Global Cash Flow’s Missing Link: Contingent Liability Analysis
More than likely, your global cash flow has accounted for cash inflows or outflows between the individual and various real estate projects or business holdings. But what is the risk that indirect liabilities (loan guarantees) become direct liabilities in the short-term? This program provides an overview of the major issues involved in analyzing contingent liabilities.
Initial usage of the term global cash flow has evolved and expanded into global analysis, including information on the guarantor’s global financial condition, including income, liquidity, cash flow, contingent liabilities and other relevant factors (credit ratings, etc.). Cash flow is just a piece of the puzzle, and perhaps the missing link in the whole process is an analysis of contingent liabilities beyond a simple listing of various personal guarantees on loans. More than likely, your global cash flow has accounted for any cash inflows or outflows between the individual and various real estate projects or other business holdings. But what is the risk that indirect liabilities (loan guarantees) become direct liabilities in the short-term? This program provides an overview of the major issues involved in analyzing contingent liabilities.
This program provides an overview of the major issues involved in analyzing contingent liabilities, plus examples, including:
- Taking a cue from our regulators, how do they define global analysis?
- What is the difference between a contingent liability and a contingent claim?
- Challenges in developing a contingent claim, and steps beyond the simple status of the underlying loan (performing or not in default?)
- Example CRE portfolio and key data to obtain and analyze
- Example contingent claim calculation and analysis
- Comparing the results to the global cash flow and other resources.
Commercial lenders, commercial real estate lenders, private bankers, small business lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers involved in the commercial and industrial (C&I) and commercial real estate (CRE) lending process.
Richard Hamm has been training bankers for over 20 years, including creating and teaching courses for the ABA and the RMA, plus regional banking schools, numerous state banking and community banking associations, and individual banks. While specializing in all phases of lending and credit, he also covers “top of the bank” issues and provides director training.
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