Ratios are a key component of the credit analysis
process as a variety of different ratios are employed by lenders to
assist in determining the strengths and weaknesses of businesses. This
program will examine commonly used ratios to determine what they mean
and what they tell us about a business. This program is for new lenders
who wish to understand the significance of commonly-used ratios and
their inclusion in credit reports.
Covered Topics
- How to calculate a
business’ operating cycle
- Working capital ratios
- The Debt/equity Ratio
- The Debt service
Coverage Ratio (DSCR)
- Loan to Value ratios
and their connection to collateral coverage
Who Should
Attend:
New Credit Analysts, New Loan Officers and other
personnel looking for a basic understanding of business credit
analysis.
About the
Presenter:
Vincent DiCara is currently the owner of DiCara Training
and Consulting LLC which he established in January of 2013.
Formerly, he was the co-owner and founder of Development Finance
Training and Consulting, Inc. (DFTC) which he established in
2003. Mr. DiCara has been involved in evaluating the credit needs
of businesses for thirty years as a business advocate, lender, credit
analyst and trainer. Since 1995, Mr. DiCara has developed and
conducted a wide variety of training programs for individuals who work
in the financial services industry sector. His training clients
include organizations in the credit union, banking, economic
development, and community development fields. Mr. DiCara's
training programs have become known for their ability to foster an
informal and participatory environment in which students are empowered
to learn.
Mr. DiCara is a graduate of Bowdoin College in
Brunswick, Maine and received a Masters Degree in Public Administration
from the University of Maine. A native of Boston, Massachusetts,
he has been a resident of the State of Maine for the last thirty-eight
years.
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