Credit Risk Institute

Monday - Thursday, January 27-30, 2020
8:30 am - 5:00 pm


Discounted Rate
(By 11/25/2019)
Standard Rate
(After 11/25/2019)
NADCO Member $849 $899
Non-Member $1149 $1199
Government $799 $849

Course Description

The thorough NADCO Credit Risk Institute will give new and experienced CDC credit analysts the tools needed to effectively analyze small business financial statements and underwrite SBA 504 loans. The Institute begins with an introduction to financial statements, needed for new analysts, and will progressively take students through the principles and concepts contained in the NADCO-created Credit Risk Institute Credit Analysis Model. These principles will be reinforced by intensive case studies. Upon successful completion of the Institute Course work, CDC analysts will receive the NADCO Credit Risk Institute Certification.

The Institute will be structured as follows:
Pre-course study videos will be available within the course, listed under the "Resources" tab:
Introduction to Financial Statements
Accounting Principles for Credit Analysts
Cash Flow Analysis using Tax Returns

Three-and-a-Half-Day Class Session:
Online Class Review
The Credit Risk Institute Credit Analysis Model (illustrated using Cases):
  • Prescreening Loan Applications
  • Management Assessment
  • Income Statement Analysis (Ratio, Trend, and Industry Analysis)
  • Balance Sheet Analysis (Ratio, Trend, and Industry Analysis
  • The Operating Cycle
  • Cash Flow Analysis (“Traditional” and “Indirect” Cash Flow)
  • Personal cash flow analysis
  • Global Cash Flow Analysis (Business and Personal)
  • Start Up and High Growth analysis (Cash budgeting and Projection Analysis)
  • Make your decision (How to write a good credit memorandum)
Case Studies (applying the 504 Credit Analysis Model)
Review Case
Final exam

Instructor Information

John Evans
John Evans began his lending career in May 1983 with West One Bank as a commercial loan officer. In September 1989, he accepted a position as an Assistant Vice-President/Commercial Loan Officer with Zions Bank. During his time with Zions, John was one of the first three loan officers in its SBA 504 Loan Securitization Department, where he became a full time underwriter for SBA 504 loans nationwide. During his time with West One and Zions, he became the highest volume 504 lender in Utah. Before leaving the 504 first mortgage lending world, John transferred again to take over servicing of the Zions Bank Real Estate Department loans, including 504s.

In January 1996, Mountain West Small Business Finance offered John a position as Vice-President in the Servicing Department. Today, he is the President of MWSBF.

John is a member of the NADCO Executive Subcommittee and has been involved for a number of years in the Annual Meeting and Tri-Regional organizing committees. John is also a NADCO instructor for the NADCO Credit Risk Institute course series.

Jason Monnett
Jason Monnett is a Senior Vice President and the Senior Lender for WBD--Your Business Finance Resource. Jason has worked with SBA loan solutions for nearly 25 years and joined WBD in 2001. In his current role, he oversees WBD’s team of seasoned 504 lending professionals that serve all of Wisconsin and Eastern Minnesota.

Jason is a Graduate of UW-Madison and the Graduate School of Banking at UW-Madison. He is a regular presenter at the Annual Wisconsin Lenders Conference and an Instructor for the NADCO Credit Risk Institute.