Designed for a more experienced audience, this two day program covers financial statement analysis concepts and SFAS 95 cash flow analysis in more depth, applying UCA cash flow analysis to specific types of loans. Case studies are used extensively to cover underwriting issues, policy guidelines, working capital needs, business risks, collateral valuation, borrowing base financing, and other issues as they pertain to commercial credits.

Agenda

Days 1 & 2

• Current Trends in Banking
• Peer Group Discussion—Issues and Problems
• Designed for peer group discussion regarding financial
• analytical issues, questions or comments
• Overview of Financial Statement Analysis
• Software Applications

Case Studies—General Commercial Financing

• Underwriting issues
• Policy Guidelines
• Competition—How it affects judgment
• Permanent working capital vs. short-term working
• capital
• Business risks
• Industry ranking
• Collateral valuation
• Analysis of rapidly growing company
• Borrowing base financing
• Historic financial review
• Guarantor analysis
• Development of corrective recommendations

Interim Construction Financing

• Assess underwriting quality
• Controlling credit risks
• Credit administration issues
• Collateral valuation
• Secondary repayment sources
• Financial Review
• Development of corrective recommendations

Special Financing

• Industry risk
• Percentage of completion vs. completed contract
• billings
• Understanding profitability of unique industries
• Leverage and liquidity review of specialized industries
• What went wrong

BRONZE

Condley and Company, L.L.P.

Deluxe Financial Services