Basics of Global Cash Flow Analysis: Part 2
Are you getting a complete picture of your borrower? Do you know the cash flow demands that may lurk behind guarantees your borrower has extended?
This seminar covers the two primary approaches to global cash flow (GCF) analysis being used by bankers, with example formats and several key analytical and conceptual issues that must be addressed. One area of concern is the income listed on page two of Schedule E compared to withdrawals or contributions shown on the related K-1s.
Another issue is how to adjust or reduce the personal cash flow for income taxes and living expenses. This leads to a discussion of the advantages and disadvantages of adjusting for income taxes and living expenses, versus adjusting the required coverage factor.
- Versions of GCF being used by bankers
- Regulatory concept of global analysis
- Analytical and conceptual issues:
- Mixing two approaches to debt coverage
- Giving credit for business earnings or amount distributed
- GCF and the larger, global analysis of CRE owners/guarantors and related contingent liabilities
- Some tax return basics/issues along the way
Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers.
Richard Hamm has been training bankers for more than 23 years, specializing in all phases of commercial lending and credit, including portfolio and risk management, commercial real estate and appraisals, plus selling and negotiating skills. He has also been involved in director training, loan policy formation, bank formation and strategic planning. He owns/operates Advantage Consulting &Training after a 22-year banking career including senior positions in lending and credit.
Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2 hours/session
Member price: $275.00 | Non member price $550.00
Member price: $295.00 | Non member price $560.00
Online: Visit the CBA Webinar Catalog
Mail: Click here and mail completed form with check payable to ConferenceEdge to: (Mail at least 10 days prior to event)
1516 Xavier St., Ste 500, Denver, CO 80204
Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)
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