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The purpose of this blog is to provide guidance for the credit analyst as well as improve the concentration of knowledge directly related to the analyst's role. The author, a seasoned credit analyst and underwriter, recognizes the importance of sharing knowledge to overcome challenges faced in identifying risks associated with a credit decision. Your feedback is welcome and integral to building an invaluable resource of information for the community.
Author Archive

Flood Certification Requirements

The answer to the following questions is found here. When do you need to obtain a Flood Certificate? When is Flood Insurance required? How much Flood Insurance is required? Question: When do you need to obtain a Flood Certificate? Answer: A flood certificate is obtained before a loan is made, increased, extended, or renewed. A...

Visit Your Loan Policy

It is good practice to review your loan policy regularly. Knowing your bank’s basic underwriting and credit review policy and guidelines is essential to performing your duty as an analyst proficiently. Note policy and guidance related to approval authority limits, borrower and collateral financial standards, loan terms and repayment sources for each loan type as...

Basic Loan Calculations-DSCR and LTV

The first post in this two part series covered calculating a loan payment. We continue our basic calculation series covering calculations of the Debt Service Coverage Ratio (DSCR)– a measure of borrower’s capacity to repay the loan and Loan to Value (LTV). DSCR Calculation The formula for the Debt Service Coverage Ratio (DSCR) or Debt...

Basic Credit Calculations-Loan Payment

This post will show you how to calculate a loan payment. You will want to know how to calculate periodic payments (monthly, quarterly, annual) using a financial calculator, Excel worksheet or pen and paper. By Hand (with the assistance of a calculator) We start with this method because the formula introduced here is the same...

Loan Review

Loan review or credit review implies periodically testing the performance of the borrower and making a determination of the borrower’s ability to repay the loan as agreed as well as testing collateral value and tracking covenant requirement items such as financial reporting, minimum liquidity, maximum leverage, or other items such as payment of real estate...

Loan Structure

Borrower need, bank policy, market conditions and regulatory environment shape the loan structure. Loan structure consists of the rate, fee, amortization period, and maturity of the loan in addition to covenant requirements at origination and during the life of the loan. The bank makes a loan to a borrower and creates an earning asset on...

The Credit Analyst Online is Back Online

Get re-introduced to The Credit Analyst Online by reading the Introduction and Get to Know the Borrower’s Business posts, then look out for upcoming posts on Credit Analysis, Compliance and Loan Review. Make sure you do not miss future posts by subscribing to the RSS feeds, following the author Samantha K Henderson on Twitter @...

Get to Know the Borrower’s Business

The credit analyst is charged with identifying risks and mitigants associated with the repayment sources on a loan. The credit analyst must understand the borrower’s business and borrowing need to start with the analysis. The best way to start the process is to have a conversation with the borrower. A general idea about the feasibility...

Like The Facebook Page

Fellow colleagues I am asking for your support-Like My Facebook Page. I have created the Facebook page for TheCreditAnalystOnline.com. This page will be a place to announce updates to the site as well as place other content not found on the site itself. Thank you and make it a great one!

Introduction

I have 10 years banking experience as a credit analyst and underwriter for commercial banks. When I first started in banking, I learned that there was not going to be any formal training for me like my predecessors had upon entering the banking world. The inexperienced credit analyst would be required to have an academic...
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