How to Evaluate Borrower Management Ability and Willingness to Repay

Credit & Lending

How to evaluate a borrower’s management starts with its ability to ensure that the borrower has the ability to repay primarily from operating cash flow and secondarily from collateral and guarantees. To do so means management has figured out how to operate successfully within its industry, and that means management is able to generate revenues at a satisfactory return on equity, manage its working capital assets and liabilities, and is building the net worth of its owner-guarantors. In addition to assessing its ability to repay, participants will also learn how to assess willingness to repay by learning how to identify potential insider fraudsters, assess borrower fraud prevention programs, and offer useful recommendations to improve the programs.

Who Should Attend: Credit Analysts, Credit Managers, Credit Risk Managers, Risk Managers, Enterprise Risk Managers, Chief Credit Officers, Senior Lenders, Senior Lending Officer, Bank Director, Chief Executive Officer, President, Board Chairman

Learning Objectives

  • Learn how industry factors influence borrower’s ability to repay from cash flow, collateral and guarantees
  • Analyze borrowers’ responses to its industry structure, competitiveness, and rely on its resources and capabilities to compete successfully in its industry
  • Learn how to analyze and summarize executives managing primary functions
  • Learn how to use a management red flag checklist to identify negative management actions
  • Learn how to identify borrower insiders with predisposition to commit fraud, evaluate borrower’s fraud prevention program and offer recommendations to improve the program

Speaker

Dev Strischek
Principal
Devon Risk Advisory Group
As principal of Devon Risk Advisory Group, Dev Strischek specializes in credit risk and commercial banking management, training, and development. He is a frequent speaker, instructor, advisor, and writer for many different educational groups and associations. Dev is also recently retired from his role as SVP and senior credit policy officer at SunTrust Bank, Atlanta, where he was responsible for developing, implementing, and administering credit policies for SunTrust’s wholesale lines of business; including commercial, commercial real estate, corporate investment banking, capital markets, business banking and private wealth management.

Webinar Fees

Pricing For Price Web Pass
Bank Member $195 $0
Bank Nonmember $395 $0
Affiliate Member $195 $0
Affiliate Nonmember $395 $0

Additional Info

Participants will earn 1.0 CPE credit

Field of Study: Specialized Knowledge

Prerequisites: None

Advanced Preparation: None

Program Level: Basic

Delivery Method: Group Internet Based

Refunds and Cancellations: Webinar registrations are non-refundable. If the registrant is unable to attend the designated time and date of the webinar, a playback link and any written materials will be provided within 2 business days following the conclusion of the webinar

Western Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:www.nasbaregistry.org.

Register

Click here to register online