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How to Evaluate a Borrower’s Ability to Survive Inflation and Recession
- Understand how an enterprise’s borrowing needs change over the business cycle.
- Diagnose the strength of a company’s financial condition and operating performance in generating cash flow for debt repayment.
- Liquidity and seasonal cash cycle.
- Leverage—what is right balance of internal funding (retained earnings) and external funding (borrowing and new investment)
- Profitability—profit margins, satisfactory returns on equity and assets.
- Solvency—ability to satisfy creditor claims, reward owners, and support firm’s growth.
- Determine an organization’s ability to survive over a business cycle and defend itself against both inflation and recession.
Overview of the webinar
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 be prepared to evaluate, adjudicate, and manage the impact of these changes on underwriting, approval, and monitoring.
Who should attend?
- Small Business Owners
- Credit Analysts
- Loan Underwriters
- Loan Review Officers
- Commercial Bankers
- Credit Department Managers
- Senior Lenders
- Chief Credit Officers
- Credit Analysts
- Credit Managers
- Credit Risk Managers
- Risk Managers
- Enterprise Risk Managers
- Chief Credit Officers
- Senior Lending Officer
- Bank Directors
- Chief Executive Officer
- Presidents
- Board Chairman
- Financial Professionals
- Accountants
- Bookkeepers
- Financial Advisors
- Entrepreneurs who are starting a new business and need financing
Why should you attend?
What complicates survival in this current economic environment is the combination of elevated inflation and possible recession. Business cycles are inevitable, and bankers must understand borrowers’ funding needs through a cycle's four phases—early expansion, late expansion, early contraction, and late contraction—as well as how to identify and evaluate clients’ relative vulnerability to both inflation and recession. An immediate vulnerability is revenue generation because declining revenues threaten profitability, cash flow, and repayment ability
This session offers some tips on evaluating a borrower’s survivability—what level of sales will generate a profit, how fast can revenues grow without having to borrow more to support the growth, how to reduce costs—in both inflationary and recessionary times.
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.