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Cash Flow Analysis Part 1: Debt Service Coverage, Global Cash Flow & More

Jan 19 2:00 PM - Jan 19, 2023 3:30 PM
Jan 19, 2023 2:00 PM - 3:30 PM
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Credit analysis is the bread and butter of lending. Expert analysis is the icing on the cake. Are you a professional analyst? When was the last time you took the opportunity to hone your skills – especially in regard to assessing cash flow? Whether you’re new to lending or need a brush up, you’ll benefit from learning more about global cash flow and debt service coverage.

Learning Objectives

  • Calculate debt service coverage using various techniques
  • Select the most appropriate cash flow analysis for each borrower
  • Identify what information is needed to perform a cash flow analysis and why specific information is necessary
  • Determine global cash flow, including family living
  • Assess factors that can impact future cash flow

This presentation will cover the essentials of cash flow analysis. It will address the unique characteristics of analyzing commercial real estate (construction and permanent financing), C&I (short term, equipment, and real estate), and basic agricultural cash flow. You’ll learn about UCA and traditional EBITDA analysis and when each is most appropriate. The session will also cover the fundamentals of global cash flow, including the type of information needed to do a proper analysis of the borrowing entity as a whole, including family living expenses.

One of the most important concepts of analyzing cash flow is that today’s loans are paid with tomorrow’s cash. In addition to the basic techniques of cash flow analysis, you’ll learn about the items necessary to consider when assessing a borrower’s ability to sustain adequate cash flow over the term of the loan. The emphasis of this webinar will be on how to make the calculations and what should be considered when choosing the most appropriate type of analysis based on the borrower’s unique situation.

Agenda

Speakers

Robert L. Viering, RiverPointUSA LLC

Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.

Prior to becoming a consultant, Bob was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Bob held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations. 

Location

Fees

$259.00 

Live and recorded webinar, handouts, quiz with answer key and training log are included.

Your registration includes unlimited locations, making it easier to share and learn with remote staff.

Please note: You may share the link with others at your credit union, however the confirmation will be sent to one primary contact at your credit union. It will be up to the primary contact to share the material with others.

Additional Info

Event Type

Webinar

Topics Covered

  • Lending & Collections
  • Operations
  • Live Webinars
  • Compliance