Ratios & Covenants – What, Why, & When?

Credit & Lending

Discover how credit risk varies and how to create covenants and ratios that will protect the bank by helping to ensure the borrower will repay on time, in full, and as agreed. During this webinar, attendees will review the “triple trinity” of purpose, repayment ability, and structure. Discussions will include a summary of the key elements of knowing the customer and red flags bankers must look for.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Loan Officer, Chief Credit Coordinator, Business Development Officer, Junior Loan Officer

Learning Objectives

  • Review the definition and explanation of use for ratios and covenants 
  • Assess credit risk by evaluating purpose, repayment ability, and structure
  • Review the interplay of cash flow, collateral, and guarantees


Dev Strischek
Devon Risk Advisory Group
As principal of Devon Risk Advisory Group, Dev Strischek
specializes in and consults on credit risk and lending, commercial banking management, training, and development. He is a frequent speaker, instructor, advisor, and writer for many different educational groups and associations. Formerly SVP and senior credit policy officer at SunTrust Bank in Atlanta, 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.  Over his career he has served as a chief credit officer in Florida banking, chief financial officer of a Honolulu construction firm, adjunct economics professor at several colleges and universities, and a combat engineer officer in the US Army.

Webinar Fees

Pricing For Price Season Pass
Bank Member $195 $0
Bank Nonmember $249 $0
Affiliate Member $195 $0
Affiliate Nonmember $249 $0

Season Pass Members receive 4 individual logins to every webinar

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.


Click here to register online