Program Description:
Today more than ever, bank management is concentrating on cash flow analysis and making sure bankers understand the cash flow of their loans and how the economy affects that cash flow.
For better commercial loan decisions, you need to learn how to perform the required calculations and get behind the numbers to interpret the results, prepare better loan presentations, understand the lending decision, and identify risks when monitoring credit is crucial to success.
This seminar teaches the student how to
understand
of cash flow, which is the key to predict loan
repayment. Of primary importance is a thorough
understanding of the income statement, balance
sheet and cash flow statement, which allow the
lender to assess profitability, liquidity and
leverage.
This seminar covers:
- Evaluating and understanding
repayment ability through an understanding of
cash flow
- Comprehending financial reporting
terminology
- Performing comparative income
statement, balance sheet, cash flow, ratio and
breakeven analysis
- Becoming familiar with
personal financial statement and tax returns
NOTE: This is the fifth session of the 2009 CFT/CBW Commercial Lending School. Participants may sign up for this as an individual seminar or as part of the School.
Who Should Attend:
Designed for anyone in commercial lending or a support role: Commercial Lenders, Real Estate Loan Officers, Credit Analysts, Loan Reviewers, Mortgage Brokers, Senior Management, and anyone else with the responsibility to help their bank improve the quality of lending decisions.
Presenter:
Mark Tyrpin is senior vice president for a large regional bank in Quincy, IL. His unique style of “ Banker Teaching Banker” emphasizes current banking examples and scenarios to supplement the classroom approach to learning. Reality and textbook application are presented. Tyrpin has over 20 years of banking experience including commercial lending, commercial real estate lending, loan rehabilitation and work out, as well as management. Prior to that, he was an investment banker specializing in municipal finance and trading. Tyrpin is also an executive officer and board member of one of the largerst not for profit family foundations in the state of Illinois.
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