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Evaluating Cash Flow, Collateral, and Guarantees to Determine a Borrower’s Repayment Ability
- Definition of global cash flow
- Identifying cash flow of borrowing entity and of guarantors
- Calculating global cash flow available to pay existing and proposed debt
- Evaluating collateral as secondary repayment source
- Measuring repayment ability with global debt service coverage ratio
Overview of the webinar
The session will explain how to calculate the company’s free cash flow and the guarantors’ personal cash flows and how to compare it to their existing and proposed debts by means of global debt service coverage. In addition, collateral evaluation will be explained and undertaken as a secondary repayment source.
A case study illustrates the total process of evaluating cash flow, collateral, and guarantees to determine a borrower’s repayment ability.
Who should attend?
- Credit Analysts
- Credit Managers
- Loan review officers
- Work-out officers
- Commercial lenders
- Credit Risk Managers
- Chief Credit Officers
- Senior Lenders
- Senior Lending Officer
- Bank Director
- Chief Executive Officer
- President
- Board Chairman
Why should you attend?
Global cash flow is critical to analyzing and underwriting commercial borrowers, especially smaller, privately held firms where the owners and the company are so closely bound together that their assets, liabilities, and income are comingled.
First, this session shows you how to identify and measure cash flows generated by the borrowing entity and its guarantors to see if the global cash flow is enough to repay their debts. Second, the session explains how to evaluate Collateral and determine an appropriate loan-to-value ratio.
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.