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Global Cash Flow Analysis for Underwriters & Credit Analysts

Apr 20 2:00 PM - Apr 20, 2021 3:30 PM
Apr 20, 2021 2:00 PM - 3:30 PM
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Global cash flow analysis provides a complete picture of your borrower’s ability to repay loans. Join us to learn how to accurately and consistently evaluate all sources of cash and debt, resulting in better-informed lending decisions, and fewer losses to your financial institution.

Learning Objectives

  • Combine the cash flow and debt service impacts of related business entities, owners, and investments to arrive at a true global cash flow
  • Identify the advantages and disadvantages of accrual- and cash-basis financial statements
  • Determine how much cash is generated from items on the balance sheet
  • Compare the UCA cash flow calculation method to traditional and EBITDA methods
  • Apply the global cash flow analysis methodologies that best fit your financial institution’s needs
  • Incorporate vital information from personal tax returns into the global cash flow analysis process
  • Appropriately identify and assess owners’ lifestyle requirements and determine how they may impact repayment ability

Understanding how to calculate and interpret cash flow is essential to measure a fundamental credit risk – the ability to repay loans. This webinar will teach credit analysts, lenders, and underwriters about calculating an entity’s global cash flow using the Uniform Cash Flow Analysis method. This assessment is important because it is common:

  1. For business owners to lend or borrow funds from their businesses
  2. For businesses to rent office/warehouse/production facilities from a real estate holding company or partnership controlled by the business owners
  3. For businesses to acquire another business or income-producing real estate
  4. For owners to control their own salaries, bonuses, benefits, and dividends as allowed by prudence and tax regulations.

Global cash flow analysis is of paramount importance. Learn more about the elements to consider in this calculation and increase the reliability of your underwriting.

Agenda

Speakers

Jeffery W. Johnson, MBA, Bankers Insight Group

Jeffery Johnson has been in financial services more than 40 years. He has been VP and senior lender for a large regional bank and SVP and commercial banking division manager for a community financial institution. Most of his career has been spent in credit administration, lending, business development, loan review, management, and training and development. Over the last 17 years, Jeffery has provided training for several banking associations and individual financial institutions nationwide.

Jeffery holds a bachelor’s in accounting from Morehouse College in Atlanta, an MBA in finance from John Carroll University in Cleveland, a Diploma of Graduation from the Prochnow School of Banking at the University of Wisconsin-Madison, and a Graduate Certificate in Bank Management from the First American Management Institute at the University of Pennsylvania’s Wharton School of Business.

Location

Fees

$259.00 

Additional Info

Event Type

On-Demand Webinar

Topics Covered

  • On-Demand Webinars
  • Lending & Collections