Mr.Dev Strischek

There is an old saying in credit analysis, “Borrowers pay back loans from cash flow, not profits.”  But it is not just cash flow; it is cash flow from operations  that is the most desirable source of repayment because it is generated by a borrower managing its ...

Asset-based lending (often referred to as “ABL”) is a form of commercial lending designed to finance safely the working capital needs of a borrower whose cash flow currently may not support debt repayment. Like other commercial loans, cash flow is the primary ...

Ratio analysis helps lenders and analysts to determine a borrower’s operating performance (profitability and productivity) and financial condition (liquidity, leverage, solvency) by rendering the financial statements into ratios. This webinar focuses on well- ...

One of the most basic analytical and underwriting tools any creditor or lender must have is the ability to determine whether a borrower can repay its loans based on the financial information available. Financial organizations extend credit to borrowers if bor ...

As borrowers and lenders work their way through the business cycle, borrowers’ credit needs are likely to change, so lenders must be ready to recognize the changes and accommodate their clients’ requirements, and so credit approvers and portfolio managers must ...

Generally accepted accounting principles (GAAP) do not change often, but when they do, we need to understand how changes in GAAP effects  borrowers’ and clients’ ability to repay.  GAAP now requires that companies capitalize their leases, and that may worsen t ...

EBITDA (Earnings before Interest, Taxes, Depreciation, and Amortization) is a popular measure of cash flow, but it is not accurate, and bankers and investors who rely on it as a reliable indicator of repayment ability will be deeply disappointed. This session ...

Most bankers acknowledge that construction lending is riskier than other types of commercial lending: Repayment ability depends on successful completion of the construction before the project can generate cash flow from the sale of the finished property, fr ...

Emails are a core business communication tool.  The speed and volume of email have dramatically changed the business communication. The not-so-old standards for professional correspondence have changed and will continue to do so. Employees need to know the bes ...

Asset-based lending (often referred to as “ABL”) is a form of commercial lending designed to finance safely the working capital needs of a borrower whose cash flow currently may not support debt repayment. Like other commercial loans, cash flow is the primary ...