4-Hour Virtual Seminar

4-Hour Virtual Seminar on How to Evaluate Borrower Operating Performance and Financial Condition

Product Id : 11529
Dev Strischek

Price Details

$445.00 Live
$645.00 Corporate Live
$495.00 Recorded
$845.00 Corporate Recorded
Combo Offers
Live + Recorded
$752.00   $940.   (20% Off)
Corporate (Live + Recorded)
$1,192.00   $1490.   (20% Off)

Refund Policy

Price Details  +

This program is designed to show bankers, lenders and credit professionals how to evaluate a borrower's operating performance and financial condition:

Operating Performance:

  • How to evaluate a borrower's operating performance-revenue generation, productivity, efficiency, and profitability-as they analyze the information disclosed in its income statement
  • How to identify the critical elements of the profit and loss statement and their roles in driving a business borrower's  operating performance
  • How to judge a borrower's operating performance trends and results against industry averages

Financial Condition:

  • Liquidity-how to assess a borrower's ability to meet short-obligations
  • Leverage-how to measure a borrower's ability to meet its debt and owner obligations
  • Solvency-how to evaluate a borrower's ability to balance needed assets growth, debt repayment, and shareholder expectations

Why you should attend

This program is designed to show bankers, lenders and credit professionals how to evaluate a borrower's operating performance and financial condition. 

Good operating performance and a sound financial condition are critical to a borrower being able to generate sufficient cash flow from operations to repay its debt. 

Who Will Benefit

  • Credit Analysts
  • Credit Managers
  • Loan review officers
  • Work-out officers
  • Commercial Lenders
  • Credit Risk Managers
  • Chief Credit Officers
  • Senior Lenders
  • Senior Lending Officer
  • Bank Director
  • Chief Executive Officer
  • President
  • Board Chairman

  • Operating Performance:
    • P&L’s key components-revenue, cost of goods sold, gross profit, operating expenses, profit before taxes, taxes, profit after taxes
    • Revenue growth-actual sales growth vs sustainable growth rate
    • Break-even analysis-how much revenue does a borrower need just to cover its expenses?
    • Operating leverage-the smaller the gross profit, the more vulnerable a borrower's profitability is to declining revenues
      Production vs. productivity
    • Profit margins-gross profit margin, before-tax profit margin, after-tax profit margin
    • Analysis of return on sales, return on assets, return on equity
    • Profit vs cash flow-why profit is not always equal to cash flow
    • A case study is used to demonstrate how to evaluate operating performance.
  • Financial Condition:
    • Liquidity-borrower's ability to meet its short-term obligations
      • Current / Quick Ratios
      • Working Capital Analysis
    • Leverage-borrower's ability to balance its sources of funds from creditors and owners
      • Various ratios to measure the proportion of support provided by owners and creditors
      • Ensuring matching of short-assets with short-term debt, long-term assets with L-T debt
    • Solvency-borrower's ability to internally sustain its asset base,  pay its obligations, and  reward its owners
      • Measures for determining the ability of the firm to simultaneously satisfy the expectations of lenders and owners while
      • maintaining the earning assets of the firm
      • Sustainable growth vs. actual growth
    • Use of industry ratios to measure borrower's financial condition to its peers
    • A case study is used to demonstrate how to evaluate financial condition

Speaker Profile
Dev Strischek A frequent speaker, instructor, advisor, and writer on credit risk and commercial banking topics and issues, Dev is principal of Devon Risk Advisory Group and engages in consulting, speaking and training on a wide range of risk, credit, and lending topics. As 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. He also spent three years as managing director and credit approver in SunTrust's Florida commercial lending and corporate investment banking areas, respectively. Prior to SunTrust, Dev was chief credit officer for Barnett Bank's Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, Dev's experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor in Hawaii, Missouri, and Florida. A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, he earned his M.B.A. from the University of Hawaii.

Dev serves as an instructor in the ABA’s Stonier Graduate School of Banking, the Southwestern Graduate School of Banking, the Pacific Coast Banking School, and the American Bankers Association's (ABA) Commercial Lending. His school, conference, and workshop audiences have included participants drawn from the ABA, RMA, OCC, Federal Reserve, FDIC, FFIEC, SBA, the Institute of Management Accountants (IMA) and the AICPA.

Dev has written about credit risk management, financial analysis and related subjects for the ABA's Commercial Insights, the Risk Management Association's RMA Journal, and other business professional journals. He is the author of Analyzing Construction Contractors and its related RMA workshop. A past national chair of RMA and former Florida Chapter president, Dev serves as a member of the RMA Journal's advisory board, and an ex-officio board member of the Florida and Atlanta RMA chapters. He also serves on the advisory board of the Atlanta Chapter of the Professional Risk Managers' International Association (PRMIA), and he has consulted on credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department's Financial Service Volunteer Corps (FSVC)

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