Event Profile

This seminar is designed to meet the needs of agricultural lenders by identifying market issues and providing the tools to assess the borrower’s ability to navigate difficult times.

In the last decade, the agriculture field has faced significant headwinds that have stressed many farmers and lenders alike. 

Using the core financial statements, we will structure the analysis and borrower’s cash flow to determine the right credit structure when financing is warranted. We will also look at catching the early warning signs of deterioration and what can be done.

Learning Objectives

Understanding Credit Risk

• Agriculture Market Risk
• Agriculture Management Risk

Financial Statement Analysis

• Crop/Animal Statements
• Cash Budgets

Liquidity Management

• Guarantor Analysis
• Sensitivity/Stress Tests

Agriculture Cash Flow Analysis

• Operational Cash Flow
• Global Cash Flow
• Coverage Issues

Developing the Right Credit Structure

• Seasonal Lines
• Term Loans
• Carry Over Loans

Early Warning Signs of Deterioration

• Systemic Market Issues
• Management Issues