How to Prepare a Monthly Cash Flow Projection for Seasonal Borrowing
One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay its short-term borrowings based on the financial information available. First, the session will explain the interrelationships among revenue projections, the expenses needed to support seasonal sales growth as well as the working capital assets, fixed assets, and liabilities necessary to support revenue growth. Second, the session will offer tips on how to analyzing underlying assumptions such as profitability, productivity, efficiency, and earnings retention. Join Dev Strischek in this critical lending webinar as he shows how to use a borrower’s historic financials to project monthly balance sheet, income statement, and cash flows over the borrower’s fiscal year and seasonal expansion and contraction.
Who Should Attend: Credit Professionals, Risk Managers, Enterprise Risk Managers, Chief Credit Officers, Relationship Managers and Lending Officers, Senior Lending Officer, Bank Director, Chief Executive Officer and Bank President, Board of Directors and BOD Chairman
- Critical role of revenues in projecting financial statements and cash flow
- Projection of income statement, balance sheet and cash flow to calculate loan needed to support projection and ability of the borrower to repay in full
- Evaluation of underlying assumptions including the feasibility of seasonal revenue growth rate, profitability, productivity, efficiency, earning retention, and leverage
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.
|Pricing For||Price||Season Pass|
Season Pass Members receive 4 individual logins to every webinar
Participants will earn 1.0 CPE credit
Field of Study: Specialized Knowledge
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.