Human Resources
Credit Analysis Basics
CWS2026353
100 Minutes
Aug 28,2026
10:00 AM PDT | 01:00 PM EDT
Overview
Understanding the fundamentals of credit analysis is essential for anyone involved in the lending process. Attend this proactive webinar to learn how banks make lending decisions using the five C's of credit: capacity, capital, collateral, conditions, and character. Participants will gain a practical understanding of how these core principles influence lending decisions across the three primary areas of bank lending - consumer, mortgage, and commercial lending - through real-life case studies.
In addition to exploring the lending decision process, this webinar will examine the fundamentals of loan structure, loan support, and documentation, highlighting their critical role in successful lending practices. Attendees will also receive an overview of key loan compliance requirements, including Reg B, Reg Z, TRID, BSA, and the Fair Debt Collection Act, providing a well-rounded introduction to the essential elements of credit analysis and bank lending.
Your Benefits For Attending:
- Gain an understanding of how banks make lending decisions using the five C's of credit: capacity, capital, collateral, conditions, and character.
- Learn the fundamentals of the three primary areas of bank lending: consumer, mortgage, and commercial lending.
- Apply key lending concepts through practical, real-life case studies.
- Review the basics of loan structure, loan support, documentation, and loan compliance requirements, including Reg B, Reg Z, TRID, BSA, and the Fair Debt Collection Act.
Build a stronger foundation in credit analysis by learning the essential principles that support sound lending decisions. Whether you are new to lending or looking to reinforce your knowledge, this webinar provides practical insights you can apply in your role.
Who Should Attend:
- CFOs
- Controllers
- Staff Accountants
- CPAs
David L. Osburn
David is the founder and managing member of David L. Osburn & Associates LLC, a Las Vegas-based business training and contract CFO firm that provides seminar/keynote speeches for various groups including CPAs, bankers, attorneys, credit union employees, credit managers, trade groups, and business owners. He also serves as a contract CFO for several clients including construction companies, medical practitioners, and real estate developers, co-manages a bank educational program with the University of Nevada Las Vegas, and is a board member of North Star Business Services, a commercial lending company (commercial real estate and equipment financing).
His extensive professional background encompasses over 24 years in banking, finance, and marketing. His bank commercial lending credentials include comprehensive loan underwriting, management, customer development, and loan work-out experience.
In addition, David is an Adjunct Professor for Regis University, an accredited MBA program and the College of Southern Nevada, a community college. He has taught college courses for over 22 years, covering Finance, Accounting, Economics, Marketing, Banking, Business Law, and Management.
He earned an MBA in Finance/Marketing from Utah State University and a BS in Finance from Brigham Young University. He is also a graduate of the University of Oklahoma National Commercial Lending School.