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How to Prepare Cash Flow Projections to Evaluate a Borrower’s Repayment Ability
- 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 the loan
- Evaluation of underlying assumptions including the feasibility of 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
Overview of the webinar
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.
Learn key assumptions in a projection and how to assess validity, the value of a downside-most likely projection to stress test the assumptions.
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
- Commercial bankers
- Business bankers
- Credit underwriters
- Credit approvers
- Loan review officers
Why should you attend?
One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay its loans based on the financial information available.
First, the session will explain the interrelationships among revenue projections, the expenses needed to support the sales growth as well as the working capital assets, fixed assets, and liabilities necessary to support revenue growth. Second, the session will offer tips on how to analyzing underlying assumptions such as profitability, productivity, efficiency, and earnings retention.
Join Dev Strischek in this critical lending webinar as he shows how to use a borrower’s historic financials to project balance sheet, income statement and cash flows over the term of a loan.
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.