Business Credit Analyst School |
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For Banks and Credit Unions |
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When and Where: October
29 - 31, 2019 Overview: Business lending can both diversify a financial institution’s loan portfolio and increase its return on assets. In order to be successful in business lending, financial institutions need to have highly qualified personnel skilled in analyzing the creditworthiness of business requests. The goal of this School is to develop analytical skills. At the conclusion of the program, you will thoroughly understand and discuss subjects that need to be addressed as part of a comprehensive credit analysis report. Benefits of Attending:
Intended Audience: This 3-day Business Credit Analysis School is designed to provide credit analysts and business lending officers with the tools necessary to perform in-depth evaluation of the credit needs of businesses. You will become acquainted with the types of challenges that businesses face in making debt service payments and meeting other financial needs. Daily Program Descriptions: Day One INTRODUCTIONS
AND OVERVIEW
THE
BUSINESS CREDIT ANALYSIS PROCESS THE BALANCE SHEET/CURRENT ASSETS
OPERATING
CYCLES FOR MANUFACTURING, RETAIL, SERVICE, AND OTHER TYPES OF BUSINESSES IDENTIFYING
AND ANALYZING BALANCE SHEET TRENDS/USING RATIOS AND OTHER ANALYSIS TECHNIQUES
THE BALANCE SHEET/LONG-TERM ASSETS AND LONG-TERM LIABILITIES
NET WORTH: STOCK, RETAINED EARNINGS AND PAID-IN CAPITAL (AN OWNER’S INVESTMENT IN HIS/HER BUSINESS) Q & A PERIOD AND SESSION SUMMARY Day Two HOW THE PROFIT AND LOSS STATEMENT CAN ANSWER THE FOLLOWING QUESTIONS ABOUT A BUSINESS:
PROFIT AND LOSS STATEMENT CASE STUDY ANALYZING
BUSINESS TAX RETURNS CASE STUDY AND DISCUSSION/BUSINESS TAX
RETURNS CASHFLOW STATEMENTS CASE STUDY/CASHFLOW STATEMENTS REPAYING
LOANS FROM CASHFLOW, PERSONAL GUARANTEES OR COLLATERAL Q & A PERIOD AND SESSION SUMMARY Day Three FINANCIAL PROJECTIONS STARTUP
BUSINESSES/SOURCES OF FINANCING SOURCES
OF TECHNICAL ASSISTANCE FOR STARTUP BUSINESSES AND OTHER BUSINESSES DEBT
FINANCING FOR NON-TRADITIONAL PUBLIC AND PRIVATE NON-PROFIT SOURCES LOAN PORTFOLIO MANAGEMENT ISSUES/PORTFOLIO RISK ANALYSIS
Q & A PERIOD AND SESSION SUMMARY Instructor: 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. More Information and Registration Details - Business Credit Analysis School |
Tuition Full School - $1,3995 per person Contact Information Rhonda
Potter Educating the financial services industry for over 100 years! Looking for in depth commercial lending training? Check out the 2019 Commercial Lending School!: Click Here
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