Lending for Non-Lenders

Course Number: Webinar

Course Code: n/a

The focus of this course will be the activities associated with Qualitative and Quantitative Analysis when underwriting evaluates a commercial lending request. This is an overview of the entire process for non-lenders.

Covered Topics
-Describe macroeconomic factors that affect a business and its ability to repay a loan.
-Evaluate business, industry and management risk elements and their effect on loan repayment.
-Analyze key ratios including liquidity, leverage, asset management, profitability and coverage ratios.
-Evaluate sources and uses of cash on the financial statements.
-Understand the history of the cash flow statement and how it is used in credit analysis.
-Describe the difference between operating, investing and financing cash flows.
-Identify primary and secondary sources of repayment.
-Evaluate the risks associated with lines of credit, term loans, bridge loans and permanent working capital loans.
-Understand affirmative and negative covenants.
-Explain how underwriting integrates the analytical traditions of financial analysis, management assessment, and business environment into an appropriate credit recommendation.
-Outline the critical risks and how those risks are mitigated.

Audience: Anyone who wants to understand how a commercial lending decision is made.

Prerequisites: n/a

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Member Price: $265.00
Non-Member Price: $265.00
Textbook Charge: $0.00

Credits: 2.5 CE

Length: 2 hours

ABA Training