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Debt Service Coverage Calculations in Underwriting

Aug 11 2:00 PM - Aug 11, 2021 3:30 PM
Aug 11, 2021 2:00 PM - 3:30 PM
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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?

We'll review traditional EBITDA analysis, including adjustments which should be considered to EBITDA in determining borrower repayment ability. We'll also 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.

Agenda

Speakers

Aaron Lewis, Young & Associates, Inc.

Location

Fees

Individual Webinar: $259

Full, 4-part Credit Analyst Series: $933 (save $103)

The series includes:

To purchase the series, please visit the main Credit Analyst Series page.

Live and recorded webinar, handouts, quiz with answer key and training log are included.
Your registration includes unlimited locations (until further notice), making it easier to share and learn with remote staff during the coronavirus crisis. Training materials will be available to download the day of the event.

Additional Info

Event Type

Webinar

Topics Covered

  • Live Webinars
  • Lending & Collections