Education Seminar

2015 Cash Flow Analysis and Credit Analysis Certificates
One of the most important numbers one should be able to analyze is the company’s cash flow from operations

Sheraton Los Angeles Downtown Hotel

One of the core elements in your commercial lending training.

Cash flows are one of the most important financial statements for a bank and this two-day program seeks to aid participants in their understanding of C&I business cash flows and their qualitative factors, as well as CRE and global cash flows. 

In 2015, CBA is pleased to offer three lending programs to further the knowledge and abilities of those responsible for commercial lending. Each course is designed to be taken on its own, but CBA highly recommends you consider enrolling in the entire 2015 lending curricula. 

Agenda

The program will commence at 8:30 a.m. with breakfast and registration beginning at 7:30 a.m., and lunch at noon.

Day 1 – C&I Business Cash Flow and Qualitative Factors

  • Review of traditional ratio analysis, and how cash flow improves your conclusions
  • Evolution of SFAS 95 and the accountants’ statement of cash flows (SCF) versus the Uniform Credit Analysis (UCA) model developed by bankers
  • Construct the SCF (case) and the UCA model (case study)
  • The analytical techniques to use with the UCA model
  • Using SCF and UCA components to develop private company cash flow available for debt service
  • Non-financial factors that must be considered: industry, market and management risk (case study)

Day 2 – CRE Cash Flow and Qualitative Factors, Global Cash Flow

  • Owner-occupied CRE versus non-owner-occupied (NOO) CRE
  • Components of NOO CRE cash flow or net operating income (NOI) (includes a case study)
  • Qualitative factors based on property types
  • Other non-financial risks with CRE: construction risk, re-lease and rollover risk, refinancing risk and others
  • Pulling everything together (the owner, C&I businesses and CRE properties) into a global cash flow (case study)
  • The roles and uses of global analysis

Program Objectives

At the end of this program you will be able to:

  • Identify the business activities that cause the need for cash, the borrowing causes
  • Define, calculate and interpret the key ratios for determining a business’ Liquidity, Leverage, Efficiency and Cash Flow
  • Develop financial projections to determine a borrower’s repayment ability
  • Better understand the financial and non-financial risk factors of a credit
  • ​Describe the basic types of financial reports
  • Provide better consulting services for your clients

Audience

Junior commercial loan officers, new relationship managers, business bankers, credit analysts, loan underwriters, loan support officers, loan review analysts, credit support officers, credit administration, portfolio managers, business development officers, loan officer trainees, branch managers, financial services officers, client services officers and personal bankers.

Faculty

Richard Hamm has been training bankers for 24 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training.  His clients include:

  • National associations such as the American Bankers Association (ABA) and the Risk Management Association (RMA)
  • Regional banking schools such as the Barret School of Banking – Memphis, the Graduate School of Banking – Wisconsin, the Southwestern Graduate School of Banking – Dallas, the Graduate School of Banking at Colorado and the Western States School of Banking
  • State banking and community banking associations in nine states
  • Individual banks

Richard is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 9 years, after a 22-year banking career including senior positions in lending and credit, plus president through formation and acquisition of a community bank. He has BS and MBA degrees from the University of Alabama, and holds the CTP (Certified Treasury Professional) designation.

Registration Information

Registration Fees

Early-Bird Registration through Friday June 5, 2015
CBA Member: $795
Non-Member: $995

Regular Registration
CBA Member: $995
Non-Member: $1,195

Cancellation & Complaint Resolution Policy

Substitutions are allowed, at no additional cost. Written notice is required for all substitutions/cancellations. The full registration fee will be refunded if written notice is received by June 19, 2015 and 50 percent if by June 26. No refunds will be provided after June 26.  Registrations made on or after June 26 are not subject to refund.

If for any reason you are not fully satisfied, please contact Corbett Cutts at (916) 438-4428.

Location Information

Thursday and Friday, July 9 – 10, 2015

Sheraton Los Angeles Downtown Hotel
711 South Hope Street
Los Angeles, CA 90017
(213) 488-3500
 

Credit Information

Program Level: Beginner

Prerequisites: Experience or training in accounting 

Advance Preparation: None

Method of Presentation: Group – Live (Lecture, Discussion, and Case Study)

Recommended CPE Credits: 12.0 Hours Maximum
(Estimated 4.0 Accounting, 4.0 Taxes, and 4.0 Specialized Knowledge and Applications) Sponsored learning activities are measured by program length, with one 50-minute period equal to one CPE credit. One-half CPE credit increments (equal to 25 minutes) are permitted after the first credit has been earned in a given learning activity. Please note that not all state boards have adopted this rule. Some participants may not be able to use one-half credit increments.

Commands