College
Of Credit
2024
We are commi ed to fostering a culture of excellence, con nuous learning, and professional growth. It is with great enthusiasm that we introduce you to a unique opportunity that can significantly enhance your skills and exper se in credit for banking – the "College of Credit." In today's dynamic and ever-evolving financial landscape, the role of bankers in managing the intricacies of credit has become increasingly complex and vital. Staying at the forefront of credit management prac ces is essen al not only for the growth of HTLF but also for your personal and professional development. The College of Credit has been designed by HTLF leaders and the RMA, this is our programs, fi ng our needs! Designed by: Emily Brown
Irina Ouahbi
Trevor Lewis
Jason Jin
Laci Lukachy
Andy Mullen
Meg Killian
Alicia Draeger
Cur s Chrystal
Brad Bieze
Mark Bagley
Sommer Boyd
Rick Ross
Joanna Lowe
Why the College of Credit 1. Comprehensive Curriculum: The College of Credit offers a comprehensive curriculum that covers all aspects of credit management, from risk assessment to credit analysis, lending strategies, and regulatory compliance. It equips you with the latest industry knowledge and best prac ces. 2. Expert Instructors: The facilitators at our College of Credit consists of seasoned industry experts who have a wealth of experience in banking and credit management. Their insights and guidance will be invaluable in your learning journey. 3. Networking Opportuni es: One of the greatest benefits of a ending such a program is the opportunity to connect with fellow bankers from various ins tu ons. Building a strong professional network can open doors to collabora on and career advancement. 4. Improved Decision-Making: By honing your credit management skills, you will be be er equipped to make informed and strategic decisions, resul ng in reduced credit risk and improved loan por olio performance. 5. Enhanced Customer Rela onships: A deeper understanding of credit enables you to serve our customers more effec vely. You can provide tailored solu ons that meet their needs while safeguarding our bank's interests. 6. Career Advancement: Inves ng in your professional development through the College of Credit can posi on you for career advancement within our bank. Whether you aspire to become a senior credit officer or pursue leadership roles, this program can be a stepping stone. 7. Adapta on to Industry Changes: The banking industry is constantly evolving, with new regula ons and technologies emerging. The College of Credit ensures you stay up-to-date with industry trends and regulatory requirements.
What’s in it for you?
Management Analysis Fundamentals: Customer Management How to speak to customers Ques ons to ask
Banker Conversa on Approval/Denial Conversa ons TM Products Collateral – How to Perfect (Legal) Special Assets (Cur s / Mark) Risk Ra ng (Rick, Jason, Irina) Structuring @ HTLF (Andy Mullen) Credit Memo – Brad / Sommer
Loan Administra on Life of a Loan
your time Commitment The College of Credit runs from March—June of 2024 There will be: ·
70 Hours of classroom instruc on (RMA)
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Approximately 30 hours of outside work (RMA)
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Approximately 8 hours HTLF course content
Credit Analysis Basics Cash Flow Analysis I Analyzing Business Tax Returns Analyzing Personal Financial Statements & Tax Returns
Structuring Commercial Loans Wri ng the Credit Analysis Commercial Real Estate Lending Case Studies
your investment This is an opportunity to invest in yourself! An opportunity to drive yor career forward! What we need from you: ·
Engagement and ac ve par cipa on in all learning ac vi es
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A end all classes and complete all assignments, including small group and independent assignments
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Basic competency in accoun ng, financial statements, and the principles that govern their construc on
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Accoun ng and Ra o Analysis – assigned as required pre-work (seat me is approximately 3.5 – 5 hours)
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Access Zoom as the CLS learning pla orm
We knoW this is a Big Commitment We wanted to create a great opportunity for people who we want to invest in. You and your colleagues were selected to be part of the College of Credit.
We want to create a cadre of great lenders with outstanding credit skills.
If you want more informa on contact: Emily Brown