The session will explain the importance of revenues in projecting financial statements and cash flow. Then the session will show participants how to project the income statement, balance sheet, and cash flow to calculate the loan amount needed to support projection and evaluate the ability of the borrower to repay the loan.
Evaluation of underlying assumptions includes the feasibility of revenue growth rate, profitability, productivity, efficiency, earning retention, and leverage. Besides calculating the loan amount needed to support the financial projection, an analysis of the asset collateral base available to support repayment will be examined.
Learning Objectives:-
Why Should You Attend?
One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay his loans based on the financial information available.
Financial organizations extend credit to borrowers when the borrowers show the ability to repay the loans extended. Ideally, a request for a five-year loan should be supported by a 5-year cash flow projection.
Learn key assumptions in a projection and how to assess validity, and the value of a downside-most likely projection to stress test the assumptions.
Who Should Attend?
Any Organization, Institution or Group User can register
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Order FormAccess Information for Live Session will be emailed to you 12 hours prior the live date.
Access Information for On-Demand, and Transcript will be emailed to you 24 hours post of the live session.
Also, You can access the training information from your dashboard at WebianarAxis.
A frequent speaker, instructor, advisor, and writer on credit risk and commercial banking topics and issues, Dev Strischek is the principal of Devon Risk Advisory Group and engages in consulting, speaking, and training on a wide range of risk, credit, and lending topics. As a former SVP and senior credit policy officer at SunTrust Bank, Atlanta, he was responsible for developing, implementing, and administering credit policies for SunTrust’s wholesale lines of business-commercial, commercial real estate, corporate investment banking, capital markets, business banking, and private wealth management. He also spent three years as managing director and credit approver in SunTrust’s Florida commercial lending and corporate investment banking areas, respectively.
Prior to SunTrust, Dev was chief credit officer for Barnett Bank’s Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, Dev’s experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor in Hawaii, Missouri, and Florida. A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, he earned his M.B.A. from the University of Hawaii.
Dev serves as an instructor in RMA’s Florida Commercial Lending School, the Stonier Graduate School of Banking, and as both an instructor and as a member of the American Bankers Association's (ABA) Commercial Lending and Graduate Banking School advisory board. His school, conference, and workshop audiences have included participants drawn from the ABA, RMA, OCC, Federal Reserve, FDIC, FFIEC, SBA, the Institute of Management Accountants (IMA), and the AICPA.
