Evaluating Secondary Sources of Repayment: Collateral and Guarantees
Bankers rely on cash flow as the primary source of repayment, but collateral and guarantors offer the plan B solution to repayment when Plan A’s cash flow doesn’t work. We know we cannot liquidate collateral and call on the guarantors until the borrower has defaulted, and that default puts extra burden on the Plan B sources because their value is unlikely to be the same as they were at the inception of the loan. This session aims at providing practical guidance to evaluation collateral and guarantees as back-up repayment sources.
Who Should Attend: Bank Director, CEO / President, Board Chairman, Credit Analysts / Managers, Loan Review Officers, Work-Out Officers, Commercial Lenders, Credit Risk Managers, Chief Credit Officers, Senior Lenders
- Identification of possible collateral assets
- Description of collateral valuation factors—liquidity, marketability, security options, and typical LTV’s
- Evaluation of guarantor financial statements to determine adjusted net worth, value of guarantor’s assets outside of the borrowing entity
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.
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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
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