Credit Analysis & Lending Series

Master the essentials of cash flow analysis with this comprehensive session designed for credit analysts and loan officers. This webinar will walk through the unique characteristics of analyzing commercial real estate (CRE), commercial and industrial (C&I) loans, and basic agricultural cash flows. Learn the critical differences between UCA and EBITDA analyses, and when to apply each one based on borrower circumstances. This program will also dive into the nuances of global cash flow analysis — especially when a strong guarantor is involved — and how to assess family living expenses as part of a full financial review. Featuring real-world examples and hands-on practice with sample financials, this session will equip you with the tools to strengthen your cash flow evaluations for both individual and global borrower assessments.

Expand your expertise in cash flow analysis with this advanced session, building on the foundation set in the August 12 program. Beyond simply calculating debt service coverage, it will focus on analyzing the borrower’s balance sheet to identify potential risks, cash generation capacity, and key red flags. Learn how external factors such as economic conditions and industry trends can impact long-term cash flow sustainability. You’ll also gain insights into stress testing cash flows and how to structure loans effectively to prevent future repayment issues. Special attention will be given to short-term and bridge loans, which, though infrequent, can present significant risks if not underwritten properly. Don’t miss this opportunity to enhance your ability to manage complex lending scenarios and improve loan performance.

Grow your lending portfolio by mastering the fundamentals of commercial and industrial (C&I) lending with this program geared especially for professionals familiar with commercial real estate (CRE) loans. This session will explore the key differences between C&I and CRE loans, focusing on understanding industry-specific cash flow cycles, borrower characteristics, and the impact of accounting decisions on loan analysis. You’ll also learn how to properly assess C&I borrowers and implement unique monitoring strategies that account for the fast-paced nature of many C&I businesses. Discover additional lending opportunities and develop a tailored risk assessment and monitoring plan to keep your portfolio healthy while expanding into this lucrative sector.

Collateral is often viewed as the safety net for loans, but relying too heavily on it can lead to critical missteps. This session will delve into effective strategies for collateral analysis to help you evaluate collateral coverage beyond surface-level appraisals. Learn how to analyze different types of collateral — such as marketable securities, receivables, inventory, and real estate — and understand when collateral analysis should play a key role in your risk management approach. The program will focus on how to balance collateral evaluation with the borrower’s cash flow and capital strength, ensuring you use collateral as a backup rather than a primary means of repayment. With real-world examples and insights, you’ll be equipped to make informed decisions and avoid reliance on collateral as a crutch for poorly performing loans.