Tag: Credit Memo

The Best Way To Structure The First Page of a Credit Memo

Improving Your Credit Memo

In banking, as everywhere else in life, you never get a second chance to make a first impression.  The first page of a credit memo is essential for credit analysts, lenders, management, and board members.  The first page is prime real estate where the average reader will spend 25% to 50% of the time reviewing the credit submission.  Because the first page commands so much of the average reader’s time, it is vital to draft the first page clearly, concisely and compellingly. 


The Credit Memo


How to Draft a Better Credit Memo

Better Credit Memos

We review hundreds of credit memorandums every month from a wide variety of community banks across the country.  Generally, the credit memos are carefully considered, well planned and appropriately formatted.  We read memos from banks ranging in asset size from $100mm to over $10B and loans ranging from $250k up to just over $50mm.  We look at memos for annual reviews and submission for new CRE and C&I loans.  While most bankers are skilled and proficient at form

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