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Validity : 18th Dec'24 to 28th Dec'24
Session 1—Cash flow
Session 2--Collateral
Session 3—Guarantees
The 3-part series will explain how a banker evaluates a borrower’s cash flow, collateral, and guarantees to determine a borrower’s ability to repay a loan. A case study links together the 3 parts.
Extending credit to a prospective borrower means figuring out if the borrower can repay the proposed loan. These three sessions explain why and how lenders evaluate repayment ability by analyzing cash flow, collateral, and guarantees. Is there enough cash flow from the borrower’s business to repay the loan in full, on time, and as agreed? If the borrower cannot repay, can the collateral take to secure the loan be liquidated and generate enough cash to repay the loan? If the borrower cannot repay, do the guarantors have sufficient resources to repay the loan?
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.