Purchase any WEBINAR and get
10% Off
CODE: SAVE10
T&C applicable, please referFAQ
Validity : 28th Mar'25 to 07th Apr'25
Projecting and Financing Long-Term Sales Growth and Cash Flow Repayment Ability
- How revenue projection determines income statement and income statement determines balance sheet.
- Critical role of working capital assets, capital expenditures and retained earnings in supporting projection.
- How to generate cash flow projection with balance sheet and income statement.
- How to estimate loan needed to realize financial projections.
- How to underwrite loan needed to fit lending organization’s policies.
- How to support loan with appropriate collateral and guarantees.
Overview of the webinar
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 borrowers can show the ability to repay the loans extended. Ideally, a request for a five-year loan should be supported by a 5-year cash flow projection.
Learn key assumptions in a projection and how to assess validity, the value of a downside-most likely projection to stress test the assumptions. The session shows participants how to project the income statement, balance sheet and cash flow to calculate the loan amount needed to support the income statement projection and evaluate the ability of the borrower to repay the loan. How much inventory does the borrower need to stock and how much credit can the borrower extend to achieve its revenue forecast? What levels of profitability, productivity, efficiency, earning retention, and leverage are anticipated in order to estimate the loan amount needed and the asset collateral base available to repay the loan?
Who should attend?
- Credit Analysts
- Credit Managers
- Credit Risk Managers
- Risk Managers
- Enterprise Risk Managers
- Chief Credit Officers
- Senior Lenders
- Senior Lending Officer
- Bank Director
- Chief Executive Officer
- President
- Board Chairman
Why should you attend?
The session will explain the importance of revenues in projecting financial statements and cash flow. Then the session will show participants how to project the income statement, balance sheet and cash flow to calculate the loan amount needed to support projection and evaluate the ability of the borrower to repay the loan. Evaluation of underlying assumptions include the feasibility of revenue growth rate, profitability, productivity, efficiency, earning retention, and leverage. Besides calculating the loan amount needed to support the financial projection, analysis of the asset collateral base available to support repayment will be examined.
Faculty - Mr.Dev Strischek
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek is principal of Devon Risk Advisory Group based near Atlanta, Georgia. Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc. Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC). PCC’s purpose is to evaluate and recommend to FASB revisions to current and proposed generally accepted accounting principles (GAAP) that are more appropriate for privately held firms. He also serves as the PCC’s representative to FASB’s Credit Losses Transition Resource Group supporting the new current expected credit loss (CECL) standard. Dev is the former SVP and senior credit policy officer at SunTrust Bank, Atlanta. He was responsible for developing, implementing, and administering credit policies for SunTrust’s wholesale lines of business--commercial, commercial real estate, corporate investment banking, capital markets, business banking and private wealth management.