Event Calendar

Thursday, July 25, 2024

Five Vital Financial Factors All Credit Analysts & Lenders Must Master Webinar

Start Date: 7/25/2024 9:00 AM MDT
End Date: 7/25/2024 10:30 AM MDT

Event Website: https://financialedinc.com/credit-analyst-series-five-vital-financial-factors-all-credit-analysts-lenders-must-master

Organization Name: Independent Community Bankers of Colorado

Maelynn Lewis
Email: mlewis@icbcolo.org
Phone: (720) 607-7937

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. 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.
  • 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
  • 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
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.
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.
Jeffery W. Johnson, MBA, Bankers Insight Group, LLC
Jeffery Johnson has been in financial services more than 40 years. He has been VP and senior lender for a large regional bank and SVP and commercial banking division manager for a community financial institution. Most of his career has been spent in credit administration, lending, business development, loan review, management, and training and development. Over the last 17 years, Jeffery has provided training for several banking associations and individual financial institutions nationwide. Jeffery holds a bachelor’s in accounting from Morehouse College in Atlanta, an MBA in finance from John Carroll University in Cleveland, a Diploma of Graduation from the Prochnow School of Banking at the University of Wisconsin-Madison, and a Graduate Certificate in Bank Management from the First American Management Institute at the University of Pennsylvania’s Wharton School of Business.
  • Unlimited live connections with shareable access within your institution
  • Available to view on desktop, mobile & tablet devices
  • Take-away toolkit
  • Live Q&A session & the presenter's contact info for follow-up questions
  • Access the webinar training from your User Portal
  • Unlimited and shareable access to the recording within your institution,
    starting two business days after the live date
  • Available to view 24/7 on desktop, mobile & tablet devices
  • Take-away toolkit
  • Ability to download the webinar video and toolkit items
  • Presenter's contact info for follow-up questions
  • Access the webinar training from your User Portal
  • Save when you Bundle the Live + On-Demand Webinar Registration
  • Includes all the items listed above
  • Full registration descriptions can be found here