This presentation has eight sections: 1) Credit Culture & The Risk Management Process; 2) Due Diligence & Data Expectations; 3) Underwriting & Credit Analysis Concepts; 4) Financial Analysis & Cash Flow Concepts; 5) Credit Structuring & Covenants; 6) The Risk Rating Process, Monitoring and Early Warning Signs; and 8) Asset-Based (Formula) Lending. It refers to handouts that are also included in this series.

This is a handout to accompany the Credit Officer Workshop presentation.

This is a handout to accompany the Establishing a Modern Risk Management Department presentations. It provides the answers to case study questions, which also are included in this series.

This questionnaire accompanies the presentations on developing examiner guidelines. It includes questions on the risk factors relating to fraudulent financial reporting and risk factors related to misappropriation of assets.