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Validity : 12th Jan'25 to 22nd Jan'25
Financial Projections for Determining a Borrower’s Ability to Repay a 12-Month Seasonal Line of Credit
- Learn how seasonal revenue projection determines income statement and income statement determines balance sheet
- Learn critical role of working capital assets, capital expenditures and retained earnings in supporting projection
- Learn how to generate 12-month cash flow projection with balance sheet and income statement
- Learn how to estimate size of line of credit needed to realize financial projections
- Learn how to underwrite line of credit needed to fit lending organization’s policies
- Learn how to support loan with appropriate collateral and guarantees
Overview of the webinar
- 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 in full
- Evaluation of underlying assumptions including the feasibility of seasonal 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 should attend?
- Commercial lenders and bankers
- credit approvers
- Credit analysts
- Loan review officers
- Credit underwriters
Why should you attend?
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, and a request for a seasonal line of credit should be supported by a 12-month cash flow projection to identify when the borrower is likely to borrow and when the borrower can repay the line of credit in full.
Faculty - Mr.Dev Strischek
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek is principal of Devon Risk Advisory Group based near Atlanta, Georgia. Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc. Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC). PCC’s purpose is to evaluate and recommend to FASB revisions to current and proposed generally accepted accounting principles (GAAP) that are more appropriate for privately held firms. He also serves as the PCC’s representative to FASB’s Credit Losses Transition Resource Group supporting the new current expected credit loss (CECL) standard. Dev is the 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.