CFT
Webinars are purely educational. Instructors are not permitted to sell any
products or services during the presentation.
Program Content:
The
focus of this webinar 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.
Who
Should Attend?:
Anyone
who wants to understand how a commercial lending decision is made. Please forward email to appropriate
person(s).
Instructor:
Tom
Carlin An authority on
financial and credit risk, Mr. Carlin is a Managing Partner at Eensight. He
has worked with major banks, insurance companies and regulatory agencies
over the last twenty years, designing and teaching financial topics
including: basic, intermediate and advanced credit and financial statement
analysis, business lending for branch bankers, accounting for bankers,
basic intermediate and advanced cash flow analysis, loan structuring,
consumer lending and trade finance. His audiences include business bankers,
recent graduates going through the organizations basic credit training
program, senior management personnel that need to know the basics of
accounting and financial statement analysis, middle market lenders with
many years of experience and regulatory agency personnel. Each program he
designs and teaches is tailored to the individual customer with the
products, procedures and culture of the organization incorporated into the
course design. The complexity and intensity of the programs are adjusted to
reflect the needs of the participants and the logistical training issues
faced by the organization. He is the author of “Financial Statement
Analysis” published by the American Bankers Association in 1994. He is also
the author of “Consumer Lending”, published by The Center for Financial
Training in 2015. He has designed and taught programs in risk analysis for
Citibank, Wells Fargo, American International Group, Capital One, Chase
Manhattan Bank, First Tennessee, M & T, Union Bank, and The Bank of
China. He has also taught the “Credit Risk Analysis Program” at the Federal
Reserve Bank. Prior to Eensight, Mr. Carlin was a Regional Director for
Omega Performance Corporation. He was also a Vice President with Bankers
Trust in New York. He was responsible for marketing credit and trade
finance products to corporate clients and correspondent banks worldwide.
Mr. Carlin has a Masters of International Management degree from The
Thunderbird School of Global Management and a Bachelor of Arts Degree from
Villanova University.
What
Is A Webinar?:
A
webinar combines the clarity of an audio teleconference with the
interactivity and visual presentation of the internet. All you need to
participate is a telephone and an internet connection. Even if you don't
have an internet connection, you can still participate in the audio
session. Listening to the program over the telephone and following the
written materials is an effective alternative!
Unable
To Attend?:
No
problem. You can purchase a recording of the webinar for future use. You
can choose from either an On-Demand Web Link (Good for 6 months from the
webinar date, unlimited use) or a CD-ROM (includes a paper copy of the
PowerPoint slides).
Viewing
Options (all options include applicable handouts):
All
options include applicable handouts. You can choose to pay by credit card
or be billed. Additional Live Webinar connections are $75 each.
Option 1: Live
Webinar and 7 Days OnDemand Video Playback - $265
Option 2:
OnDemand Video (six months access) - $295
Option 3: Live
and 6 Months of OnDemand Video - $365
Option 4: CD-ROM
Video (Includes OnDemand Video) - $345
Option 5: Entire
Package (all of the above) - $395
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