In the last decade, the agriculture field has faced significant headwinds that have stressed many farmers and lenders alike.
Using the core financial statements, we will structure the analysis and borrower’s cash flow to determine the right credit structure when financing is warranted. We will also look at catching the early warning signs of deterioration and what can be done.
Learning Objectives
Understanding Credit Risk
Financial Statement Analysis
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Crop/Animal Statements
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Cash Budgets
Liquidity Management
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Guarantor Analysis
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Sensitivity/Stress Tests
Agriculture Cash Flow Analysis
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Operational Cash Flow
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Global Cash Flow
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Coverage Issues
Developing the Right Credit Structure
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Seasonal Lines
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Term Loans
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Carry Over Loans
Early Warning Signs of Deterioration
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Systemic Market Issues
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Management Issue
