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Credit Analyst Webinar Series

May 05 2:00 PM - Aug 11, 2021 3:30 PM
May 05, 2021 2:00 PM - 3:30 PM
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Concerns over deteriorating underwriting standards and credit concentrations continue to
attract regulatory attention and must be top-of-mind for credit analysts and lenders
underwriting their own loans. 

Sessions include:

Regulators will evaluate the quality and depth of your credit analysis, including the awareness of existing or emerging risk concerns; stressing for an uncertain future; tying current and new underwriting to the institution’s risk appetite; and adequacy of post funding monitoring and analysis. Designed for credit analysts and loan officers of all experience levels, this series will provide the tools needed to make consistent, sound lending decisions that protect the institution.

Agenda

Wednesday, May 5, 2021

Loan Stress Testing for the Credit Analyst

Aaron Lewis, Young & Associates, Inc.

Credit analysts are charged with identifying, measuring, and monitoring credit risk in any given transaction. An analyst must understand the borrower’s sustainable repayment ability, including both primary and secondary repayment sources. Repayment ability in a “normal” or positive market condition can be relatively easy to determine and used as a basis for the loan decision and risk rating. However, market conditions are not always favorable and adverse conditions can arise relatively quickly (as in 2020). When underwriting, credit analysts should apply factors which reflect the impact of an adverse market on a borrower’s primary and secondary repayment sources. This presentation will provide insight for credit professionals regarding transaction-level stress testing, including impact to operating income, guarantor support, and collateral, and will include considerations for both commercial non-real estate and commercial real estate loans.

Thursday, June 17, 2021

Advanced Financial Statement Analysis

Jeffery W. Johnson, Bankers Insight Group, LLC

This webinar is designed to address the needs of credit analysts, commercial/consumer lenders, and anyone tasked with analyzing financial data. It will expand participants’ understanding of financial statements and use this as a foundation to explore more advanced analytical tools to better understand borrowers’ financial performance.

This webinar will begin by examining a commercial and industrial type financial statement and reviewing detailed credit, ratio, and cash flow analysis to determine financial strength. This information will be used to introduce short-term loan structuring by calculating the net working investment, which is the financing gap created when cash from the operating cycle is not collected before payments to suppliers of goods and services are due. Also, a financial impact analysis will be demonstrated to determine the cash flow impact on a company from changes in balance sheet financial ratios and income statement margins such as gross profit, operating profit, and net profit margins. Cash flow analysis using the Uniform Cash Analysis will be reviewed and compared to the commonly used traditional and EBITDA methodologies.

Thursday, July 29, 2021

Credit Fundamentals for the New Credit Analyst

Jeffery W. Johnson, Bankers Insight Group, LLC

This webinar is designed for new credit analysts and credit analysts and/or commercial lenders (including branch managers) with no formal training in accounting and credit analysis. It will begin by explaining accounting assumptions and the rules of debits and credits used to prepare financial statements and tax returns. Then, the course will review the Balance Sheet, Income Statement, Statement of Retained Earnings, and Statement of Cash Flows by explaining the purposes of all statements and the meaning of common accounts found on them. With the knowledge gained to this point, techniques to spread financial statements will be covered to ensure the results will be reliable and basic credit, ratio, and cash flow analysis will be demonstrated to determine a company’s liquidity, leverage, operating performance, and cash flow generation capability. The focus will be on commercial and industrial type borrowers. 

Wednesday, August 11, 2021

Debt Service Coverage Calculations in Underwriting

Aaron Lewis, Young & Associates, Inc.

Many community financial institutions rely on traditional EBITDA analysis in determining borrower repayment ability. But does EBITDA provide everything we need to know? What about considerations for capital expenditures and dividends provided to entity ownership? Are we missing key elements which drive the borrower’s ability to generate satisfactory cash to satisfy repayment requirements? This presentation will review traditional EBITDA analysis, including adjustments which should be considered to EBITDA in determining borrower repayment ability. It will address the Uniform Credit Analysis, specifically net cash after operations and UCA cash flow coverage. Other debt service coverage considerations, such as the free cash flow method for determining repayment ability, including considerations for capital expenditures and how these expenditures impact the borrower’s repayment ability will be included.

Speakers

Location

Fees

$933.00 (a savings of $103 compared to individual registration)
Login instructions will be emailed to you the day of the event. The online recording will be available approximately six (6) business days following the live event. This recorded webinar and free digital download will expire 6 months after the live program date.
 

Additional Info

Event Type

Webinar

Topics Covered

  • Event Bundles
  • Lending & Collections