In this course, you’ll learn the fundamental purpose and key components of a credit proposal or write-up, as well as the suggested order for structuring them effectively. We’ll explore the crucial role of lenders in conducting thorough and accurate analyses. You’ll understand how the decisions made based on these analyses significantly influence the borrower’s operations and financial stability. We will focus on analyzing the impact of the balance sheet and income statement on debt-servicing ability. You’ll learn about traditional methods and Uniform Credit Analysis (UCA) cash flow analysis, including guidelines for determining when to use each method and the expected depth of analysis. Participants will also learn where to easily access available guidance from reputable sources such as the National Credit Union Administration (NCUA) and other regulatory agencies.
Vin Vieten is a Retired NCUA Program Officer. He is a graduate of University of Maine with a BS degree in Economics. He has had an extensive career with over 28 years of experience as a financial manager in banking. His credit training emphasized financial analysis to develop financing packages to meet the needs of the borrower. He has used his experience to establish commercial lending departments in two financial institutions, where he managed a team of lenders and oversaw commercial loan origination, underwriting, regulatory compliance and portfolio management. Vin brings his expertise to Mark Treichel’s CU Exam Solutions for a total of 240 years of combined NCUA experience.
