Five Vital Financial Factors All Credit Analysts & Lenders Must Master

Human Resources Lending

On-Demand Webinar:

StreamedJul 25, 2024Duration90 minutes

Unlimited & shareable access starting two business days after live stream
Available on desktop, mobile & tablet devices 24/7
Take-away toolkit
Ability to download webinar video
Presenter's contact info for questions

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There are five vital financial factors that all lenders must analyze in order to evaluate a borrower’s financial condition.

Do you know what they are? Used in conjunction, they can detect any financial challenge a borrower is experiencing. This webinar will provide expert insight into the credit analysis process using a variety of financial tools.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

Know exactly where to start the analysis process
Focus on the most salient factors to consider when determining the creditworthiness of borrowers
Streamline the analysis process utilizing the critical factors to measure a borrowers’ ability to service short-term and long-term debt
Understand how to calculate key credit ratios
Measure changes in credit ratios and determine the positive or negative impact on the borrower’s cash flow
Interpret the result of credit analysis and cash flow analysis, which will enhance the analyst or lender’s ability to write an effective credit memorandum

WEBINAR DETAILS

This session will explore the five vital financial factors all lenders must understand to determine a borrower’s overall financial condition: liquidity, leverage, asset management, operating performance, and cash flow. Liquidity measures the ability to meet short-term obligations as they become due. Leverage measures the degree to which a company’s assets are supported by creditors compared to support provided by owners. Asset management measures management’s ability to utilize capital assets to generate revenue. Operating performance measures management’s ability to generate profits from operating their companies. Cash flow measures management’s ability to generate cash from operating, investing, and financing activities.

This session will define each factor and explain why it is important in the credit analysis process. Methods to determine each factor will be explored including the use of financial statements, ratio analysis, reconciliation procedures, working capital analysis, and best practices in determining true cash flow.

WHO SHOULD ATTEND?

This informative session is designed for credit analysts, branch managers, consumer lenders, commercial lenders, loan review personnel, senior loan officers, senior credit officers, loan support personnel, and credit administration staff.

TAKE-AWAY TOOLKIT

List of critical ratios to measure the five vital financial factors and a brief description of each
Calculations to determine the financial impact on cash flow from changing ratio metrics
Employee training log
Interactive quiz
PDF of slides and speaker’s contact info for follow-up questions
Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.