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Webinar: Credit Boot Camp -- Cash & Repayment: Getting it Back (MP4)

Webinar: Credit Boot Camp -- Cash & Repayment: Getting it Back (MP4)

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Description

Recorded: April 13, 2018

Length: 60 Minutes

Summary: Commercial credit risk, as we have seen in the past few years, can be the downfall of a financial institution if managed improperly. To adequately manage commercial credit risk, the banker needs to understand the keys to determining repayment. The phrase “Cash is King” isn’t some cute saying but it gets to the heart of commercial credit. A definition for “credit” is the financing of the borrower’s shortfall. So, the first issue in commercial credit is determining what has caused the borrower to run short of their own cash. Next and more importantly, what will it take for the borrower to reverse the cause of the shortfall? It is the reversal of the cause that creates the cash to repay. Hence, better the understanding of the cause of shortfall and the ability to reverse the cause the increased likelihood of repayment. This webinar will provide attendees with tools to help determine the cause of cash shortfall and ability to generate cash for repayment, both critical in effectively and efficiently analyzing a borrower’s credit request.

Agenda:

  • Application of the Cash-to-Cash Cycle to Risk Assessment
  • Cash Drivers Resulting from Borrower’s Behaviors
  • Cash Sensitivity and Impact on Ability to Repay

 Benefits: Following this session, you’ll be able to:

  • Identify how cash enters a business, moves through the business, and gets returned to cash to support repayment
  • Focus on changes in financial results and associate their impact on cash moving into and out of the business
  • Reduce the borrower’s impact on cash events in the business
  • Associate cause of borrowing and assess ability to repay

 Who Should Attend:

  • Commercial Loan Officers
  • Credit Analysts
  • Credit Review Personnel
  • Branch Managers working with Small Business Owners
  • Credit Administration personnel seeking a review of cash analysis tools

    • Discuss the “Loan Structure Framework”: Looks at the operational, legal, and credit issues of loan structuring.
    • Review the role of Credit Risk Management: Discuss the role of documentation, collateral, and risk ratings.
    • Provide tools for Credit Risk Monitoring: Covenants are used to provide the banker with a way to measure the borrower’s performance to repayment.

 Presenter: Jeff Judy, Jeff Judy & Associates

Pricing:
ICBA Members: $219
Nonmembers: $319

1 CPE Credit

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