This webinar will examine business cash flow, the ways in which to calculate it, and its importance in the credit risk analysis process. Participants will learn how to calculate cash flow from information contained in the Profit and Loss Statements of Businesses and the tax returns that a business generates. In addition to calculating simple cash flow which relies on Profit and Loss Statement information, participants in this webinar will look beyond the P & L to the balance sheet of businesses and the ways in which changes in the components of the balance sheet impact the cash flow of a business and its ability to service debt.
Why Should You Attend:
Many lenders to businesses are not certain about lending money because they fear failure and want to minimize risk. Although minimizing risk is part of the lending process, proactive lending requires certainty on the part of the lender that the decisions that they make will not result in bad credit loans. One of the purposes of this webinar is to build confidence and knowledge so that lenders can make better decisions.
Any lender who wants to build his (her) portfolio while minimizing risk will benefit from attending this webinar.
Areas Covered in this Webinar:
Determining the ability of a business entity to generate cash flow is essential whenever the repayment of a loan is considered. Cash flow analysis measures the ability of a business to generate sufficient cash to operate the business and have enough excess cash to service its annual debt service requirements. Understanding how to calculate and interpret cash flow is essential for successful financial institution employees who want to be able to answer the question of repayment ability.
This webinar is designed to assist financial institution employees in calculating cash flow utilizing a number of different methods. The webinar will initially define cash flow and identify typical sources and uses of cash of a business.
Who Will Benefit:
The following individuals or disciplines will benefit from attending this Webinar:
Vincent DiCara has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for over thirty years as a business advocate, lender, credit analyst and trainer. Since 1995, he has been providing expert training for lending professionals throughout the country who work in the public, private non-profit, and private sectors. Mr. DiCara’s training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.
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