TheMortgageTrainingCenter.com offers banking exams, banking degree training, and professional development for banking professionals
Course/Product Description
Title:

Calculating Global Cash Flow

SKU:WT-1001083
Format: Webinar
Description:

Calculating Global Cash Flow

Most closely-held business loans are underwritten with an evaluation of the borrower’s trailing financial results, but that analysis frequently overlooks key data that defines the applicant’s total financial picture.

Many underwriters fail to weigh the business owner’s personal financial situation adequately when reviewing the company’s financial capacity and often, an inconsistent examination of financial statements skips information that’s important to understand the global financial conditions of the borrower and owner(s).

This training program discusses the step-by-step evaluation techniques for business financial statements coupled with the personal cash flow information of company principals to ensure that bank’s analysis reflects the entire financial situation while managing client loan accounts or evaluating new credit requests.

Learning Objectives

By attending this program, participants will learn:

  • Step-by-step process of collecting critical information from business and personal financial statements and other sources to discover accurate combined net cash flows from business operations and personal finances
  • What metrics can be employed to evaluate cash flow adequacy and trends
  • An explanation and comparison of the ‘rule of thumb’ cash flow method vs. the Universal Credit Analysis method to review business financial statements
  • Suggestions on how to determine appropriate expense “add backs” to allow when evaluating cash flow
  • The 6 questions to ask when deciding whether a business expense should be added back to measure actual business cash available to service debt
  • Steps to determine critical factors about owner’s personal cash flow to impact business
  • Strategies to impose prudent limitations of owner compensation and discretionary expenses
  • How to model a global cash flow evaluation of borrower’s debt repayment ability taking into account owner’s personal cash flow and obligations
  • Why lender should be skeptical of business brokers discretionary cash flow analysis and credit policy elements to consider re: cash flow evaluation
About Your Presenter

Charles Green serves as Managing Director of the Small Business Finance Institute, a commercial lender training company with almost 50 years of experience in funding small businesses.

Green has written extensively about business financing, including Banker’s Guide to New Small Business Finance (Wiley, 2014), Get Financing Now (McGraw-Hill, 2012) and bestselling The SBA Loan Book 3rd Edition (Adams Media, 2011). He earned a B.S. Finance from the University of Alabama, a diploma from the Stonier National Graduate School of Banking and completed Executive Education at Harvard Business School. Earlier in his career, he founded and served as President and CEO of Sunrise Bank of Atlanta.

Licenses / Designations / Educational Credits:PHR / SPHR Re-Certification Credits
All US States: 1.5

SHRM Certification Credits
All US States: 1.5
About The Provider: The Industry Calendar creates and sells webinars, audio conferences, and seminars for busy business professionals.

For over ten years we've done the work of listing the important, don't-miss events in one convenient location so you can quickly and easily learn about key training topics that keep you up-to-date on trends and best practices, all while helping to keep you in compliance with the various rules and regulations affecting your organization.
Price: $239.00
More Info: Contact Us For More Information
Share This: Share on Facebook


Share on Twitter


Share on Google+


Currently Scheduled Dates For This Webcast
Course TitleDatePrice
Calculating Global Cash FlowCD/On-Demand$239.00

NMLS / Safe Licensing
NMLS / Safe Licensing

Tax Return Analysis Workshop
Tax Return Analysis Workshop

Dealing with Appraisals: Compliance with New Standards
Dealing with Appraisals: Compliance with New Standards

Lending 101
Lending 101

TRID Explained
TRID Explained

Regulation Z: Truth in Lending (TILA)
Regulation Z: Truth in Lending (TILA)

Changes To The Dodd-Frank Rules
Changes To The Dodd-Frank Rules

Best-Ever Compliance Checklists For Consumer Loans
Best-Ever Compliance Checklists For Consumer Loans

Loan Processing 101 - The Basics
Loan Processing 101 - The Basics

FHA/VA Processing - For Processors
FHA/VA Processing - For Processors

Case File Underwriting Review -
Case File Underwriting Review - "FHA/VA Loans"

Mortgage Underwriter 101 - The Essentials
Mortgage Underwriter 101 - The Essentials

Fannie Mae &Freddie Mac Workshop
Fannie Mae &Freddie Mac Workshop

Calculating Income, LTV, &DTI Workshop
Calculating Income, LTV, &DTI Workshop

LAPP/SAR Underwriter - Step by Step Instruction
LAPP/SAR Underwriter - Step by Step Instruction

Understanding Commercial Loan Documents
Understanding Commercial Loan Documents

FacebookTheMortgageTrainingCenter.com. 5755 North Point Parkway, Suite 228 | Alpharetta, GA 30022 | 770-410-7569 | support@TheMortgageTrainingCenter.com
Copyright TheMortgageTrainingCenter.com 2018 | Web Site Development by OTAU
Facebook