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Cash Flow Analysis Part 2: Deeper Analysis, Balance Sheet & External Factors

Feb 14 2:00 PM - Feb 14, 2023 3:30 PM
Feb 14, 2023 2:00 PM - 3:30 PM
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Dive deeper into the world of credit analysis. How effective is your stress testing? What are the red flags in a borrower’s balance sheet? How do external factors affect a borrower’s cash flow? At the end of the day, a loan’s structure impacts repayment. Do you have best practices in place?

Learning Objectives

  • Better understand how the balance sheet impacts repayment risk
  • Identify external factors unique to each borrower that can impact sustainable cash flow
  • Identify secondary and other alternative sources of repayment
  • Stress test the borrower’s repayment ability under different scenarios
  • Appreciate the best usage of short-term and bridge loans, including their unique risks
  • Understand how loan structure impacts repayment

This presentation will build on the topics discussed in Cash Flow Analysis Part 1. Assessing repayment ability is far more than just calculating debt service coverage. Do you understand the impact a borrower’s balance sheet can have on cash flow and know the red flags to watch? In addition, this webinar will cover external factors that can impact a borrower’s ability to maintain cash flow, including a section on stress testing to help assess repayment risk.

In addition, this training will address short-term (including construction and multiple advance) loans and bridge loans. Although done infrequently, they can cause significant losses if not underwritten and managed appropriately. Regardless of loan purpose, a poorly structured loan can mask repayment problems and collateral coverage and is often a characteristic of charged-off loans.

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 

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

On-Demand Webinar

Topics Covered

  • On-Demand Webinars
  • Operations
  • Lending & Collections
  • Compliance