Cash Flow Projections for Long-term Lending
Instructor: Live: One Dial-in One Attendee
Corporate Live: Any number of participants
Recorded: Access recorded version, only for one participant unlimited viewing for 6 months ( Access information will be emailed 24 hours after the completion of live webinar)
Corporate Recorded: Access recorded version, Any number of participants unlimited viewing for 6 months ( Access information will be emailed 24 hours after the completion of live webinar)
Financial organization 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, and this session will show you how to project balance sheet, income statement, and cash flow for a period that matches the proposed loan term as well as to evaluate the underlying assumptions.
Why you should Attend:
First, the session will explain the interrelationships among revenue projections, the expenses needed to support the sales growth as well as the working capital assets, fixed assets, and liabilities necessary to support revenue growth. Second, the session will offer tips on how to analyzing underlying assumptions such as profitability, productivity, efficiency, and earnings retention.
Areas Covered in the Session:
- Critical role of revenues in projecting financial statements and cash flow
- Projection of income statement, balance sheet and cash flow to calculate loan needed to support projection and ability of the borrower to repay the loan
- Evaluation of underlying assumptions including the feasibility of revenue growth rate, profitability, productivity, efficiency, earning retention, and leverage
- Calculation of loan amount needed to support financial projection and borrower's repayment ability
- Analysis of asset collateral base available to support repayment
Who Will Benefit:
- Credit Analysts
- Credit Managers
- Credit Risk Managers
- Risk Managers
- Enterprise Risk Managers
- Chief Credit Officers
- Senior Lenders
- Senior Lending Officers
- Bank Directors
- Chief Executive Officers
- Presidents
- Board Chairmen
Dev serves as an instructor in the ABA’s Stonier Graduate School of Banking, the Southwestern Graduate School of Banking, the Pacific Coast Banking School, and the American Bankers Association's (ABA) Commercial Lending. 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.
Dev has written about credit risk management, financial analysis and related subjects for the ABA's Commercial Insights, the Risk Management Association's RMA Journal, and other business professional journals. He is the author of Analyzing Construction Contractors and its related RMA workshop. A past national chair of RMA and former Florida Chapter president, Dev serves as a member of the RMA Journal's advisory board, and an ex-officio board member of the Florida and Atlanta RMA chapters. He also serves on the advisory board of the Atlanta Chapter of the Professional Risk Managers' International Association (PRMIA), and he has consulted on credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department's Financial Service Volunteer Corps (FSVC)