Learning the fundamentals of credit analysis is key to ensuring a sound portfolio. Whether it's loan grading, global cash flow, credit memo, or key ratios it is important to have a wide range of understanding.
Credit Risk Training and Tools
A Guide for Credit Professionals
Resources and Trainings Include
This resource page is meant to give you and your credit team the tools and credit risk training needed to keep up-to-date on key credit risk topics. While the numbers don’t change, the accompanying analysis and policies can change based on economic conditions, technology adoption, and new talent. We are here to help you navigate it all.
- Understanding the importance of global cash flow
- Creating an effective credit presentation
- Skills needed to be an high-performing analyst
- Identifying potential credit weaknesses through loan grading
- And more
Start with the Basics < GO TO RESOURCE LIBRARY
Support for your Credit Analysis Team
Learn credit risk management strategies
and best practices.
Credit Analysis Basics
Commercial credit analysis can introduce many complexities into the banking organization, including additional underwriting standards, new financial data to collect and interpret, complex relationships and commingled incomes, and increased regulatory scrutiny.
Watch this on-demand webinar to cover the foundation of credit analysis, including key data points, data analysis strategies, and best practices on benchmarking and automation.
Play VideoDive Deeper into the Basics of Credit Analysis
Managing Credit Risk in Recession
Despite the unique credit environment this recession has created, there are several key credit risk best practices that institutions can fall back on.
Quantifying the 5 Cs of Credit
Take a look at the metrics most often used by analysts to quantify the 5 C’s of credit – capacity, capital, conditions, collateral, and character.
Loan Grading 101
Accurate and timely loan grading is critical for any loan review system. Understand the variables for FIs to consider when determining a loan’s risk.
Writing Effective Credit Memos
Explore the key characteristics that make strong memos, and how software can improve efficiency.
“During our exit interview with the OCC, the examiners were very complimentary of our loan packages and depth of analysis. It was a great testimonial to Abrigo.”
Tracy Hayden, Chief Credit Officer & SVP at BankSouth
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Master These Important Areas of Credit Analysis
Pursue a deeper understanding of credit risk and master these other important areas of credit analysis.
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Loan Grading 101
Financial institutions must develop a sophisticaed grading system to protect them from risk.
Read Article
Definitive Guide to GCF
Understand the biggest obstacles credit analysts face with global cash flow and learn how to avoid.
Read Whitepaper
Common Credit Missteps
Learn how to avoid common commercial credit mistakes using this handy checklist.
Download Checklist
Loan Administration 101
Discover how effective loan admin is crucial in the pandemic era for a thriving institution.
Check Out Blog
Guide for Credit Policy
This paper discusses the overall credit policy framework and ways to ensure your credit team understands it.
Read Whitepaper
Writing Effective Credit Memos
Lending and credit staff frequently seek tips for writing better credit presentations, here are a few.
Check out Blog
Credit Analysis Ratios That Matter
Look at the metrics most often used by analysts to quantify the 5 Cs of credit.
Download Whitepaper
Dangers of Deficient Loan Admin
Learn how financial institutions can prevent asset quality deterioration through an effective administration process.
Download Whitepaper
Maximizing Value of GCF
Explore global cash flow analysis and learn how it can help an institution reduce borrower risk.
Access Recording
Loan Grading: A to Z
Get advice on incorporating the 5 C's into your loan grade and how to select an appropriate grading scale.
Watch Recording
Commercial Credit Red Flags
Despite the uncharted waters, there are several credit risk best practices that institutions can follow.
Access Recording
Effective and Efficient Credit Memos
Explore the key characteristics that make strong memos, and how software can improve efficiency.
Watch Recording
Global Cash Flow Analysis: What, When, Why, and How
Uncover concrete ways to improve the risk rating process at your financial institution.
Access Recording
4 Traits of a Strong Credit Analyst
Credit analysts play a critical role in the success of their financial institutions’ credit risk functions.
Check out Blog
Ask Analysts These Questions to Optimize Deal Flow
Ask your credit analysts these questions to help get to the bottom of issues that may be reducing efficiency.
Read Blog
Obstacles to an Effective Loan Review
Understand how resource constraints and information challenges can seriously hinder loan review.
Read Article
A Strong Loan Review System is Good for Business
Understand how effective credit risk review promotes lending agility and supports business goals.
Read Blog
Commercial Credit Analysis 101: Back to Basics
Learn the foundations of credit analysis, including key data analysis strategies and best practices.
Check Out Blog
Managing Credit Risk in a Recession
Looking to grow while also effectively managing credit risk? Examine these best practices.
Access Webinar Series
Effective Loan Review
How can your institution set up the loan review function to satisfy regulatory pressure but also help with decision making?
Download Whitepaper
How to Maximize the Value
Learn why the extra time spent on global cash flow analysis is worth the effort and time spent.
Read Blog
Credit Risk in Recession
Despite the uncharted waters, there are several credit risk best practices that institutions can follow.
Read Blog
Basics of Commercial Credit Analysis
Commercial credit analysis can introduce many complexities, learn the best practices needed to navigate.
Watch Webinar
"Abrigo’s global analysis ensures accuracy, and the narrative reports provide time-savings and consistency.
Our examiners have commented that they like the uniformity our software solution provides to our credit analysis.”
Kevin Atwood, Executive Vice President, Bank of Cadiz and Trust Company
Learn More About Abrigo
Integrated Systems with Abrigo
Ensure Consistent and Transparent Credit Processes
Credit Analysis
Cut loan processing time with Sageworks Credit Analysis, which allows banks and credit unions to spread and analyze loans quickly. Less data entry, consistent loan decisions, and easier documentation means sound credit risk management and happier customers or members.