The Fundamentals of Credit Risk for the Private Banker

Contact Tom Carlin


(914) 834 4555

The Fundamentals of Credit Risk for the Private Banker

Length: 2.5 Days

This session provides an introduction to credit risk management for the private banker. Participants are provided with a basic grasp of the risks involved in lending to individuals and focuses on individuals whose wealth is derived from ownership in a small or medium sized business enterprise. 

The seminar is divided into the following five sections:

Module I – Introduction to Credit Risk:  Includes the Five C’s of Credit Analysis, Sources of Wealth/Wealth Life Cycle, Risks of Lending to Wealthy Individuals, Overview of Personal Financial Statements

Module II – Fundamental Credit Analysis: Includes Individual Income/Cash Flow Analysis, Adjusted Net Worth/Contingent Liabilities, Leverage/Liquidity/Financial Ratios

Module III – Critical Credit Knowledge: Includes Forms of Business Organization, Lending to Business Owners, Lending to Professionals (Physicians and Attorneys), Loan Documentation Basics

Module IV – Loan Structure: Includes Typical Borrowing Needs/Requests of Wealthy Individuals, Loan Structure Fundamentals, Collateral/Guarantees/Covenants, Loan Compliance/Monitoring

Module V – Making the Client Call: Includes Call Preparation and Exploring Additional Banking Opportunities for Existing and Prospective Clients, and Understanding the Perspective of the Underwriter at the Bank in Making Credit Risk Management Decisions.


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    Any of our online credit training programs when your institution purchases 3 or more licenses.

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