Mastering Commercial Credit: The 5 C's of Lending 1 Credit
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Dec 12, 2024 | 10:00 AM
ET
In the realm of commercial lending, understanding the Five Cs of Credit is paramount. Lenders rely on these fundamental elements to gauge borrowers' financial health and repayment capabilities. The first aspect, Capacity, scrutinizes a borrower's ability to repay through sustained cash flow generated by stable financial conditions and robust operational performance.
A critical step in the lending process involves projecting a borrower's financial performance. This necessitates a comprehensive analysis of underlying assumptions like revenue growth, productivity, and profitability ratios. By forecasting financial statements, including income, balance sheet, and cash flow, lenders quantify future cash flows available for debt repayment, dividends, and investments, vital for the borrower's successful operation.
Moreover, exploring Shareholder Value is integral. Evaluating the discounted value of future cash flows and key drivers contributes to sustaining business commitments. Emphasizing working capital management and productive capital expenditures fosters increased shareholder value.
Major Topics Covered
Our online webinar by Dev Strischek aims to elucidate these concepts. Participants will delve into the first four Cs - Capacity, Conditions, Collateral, and Character - integral in assessing repayment ability. Additionally, we'll explore how Character, the fifth C, plays a pivotal role in evaluating a borrower's willingness to repay. Capacity gauges repayment ability through cash flow, while Conditions and Collateral delve into industry vulnerabilities and asset liquidation values, respectively. Lastly, Character assesses the borrower's willingness to repay, evidenced by payment history, accompanied by fraud prevention tips.
Join us in this Finance course to master the Five Cs of Commercial Credit, empowering yourself with a comprehensive understanding of credit and lending essentials.
Credits
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Advance Preparation
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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 region. 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 at the Stonier Graduate School of Banking, the Southwestern Graduate School of Banking, and the American Bankers Association's (ABA) Commercial Lending School. 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. He worked with RMA to develop, implement, and teach its Critical Thinking course.
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, the IMA’s Strategic Finance 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. He represented the banking industry as a member of the Financial Accounting Standards Board’s Private Company Council, which reviews and recommends changes to existing and proposed generally accepted accounting principles that make them more cost-effective for privately held companies. Finally, 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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To earn credits, you must attend the entire live webinar, actively participate in any polls or questions, and complete any required evaluations or assessments. Credits are awarded based on your attendance and participation in the live session.
Yes, all our live webinars are approved by NASBA, IRS, CFP Board, HRCI, SHRM, Payroll Org, FP Canada, and 25+ other regulatory bodies, ensuring they meet the high standards for quality, interactivity, and educational content set by these organizations.
To maintain compliance, you must adhere to the guidelines set by NASBA and other regulatory bodies, which include attending the full duration of the webinar, participating in interactive elements, and completing any post-webinar evaluations or assessments.
After successfully attending a live webinar and fulfilling all participation requirements, you can access and download your completion certificates from your account dashboard on our platform. These certificates are recognized by NASBA, IRS, CFP Board, HRCI, SHRM, Payroll Org, FP Canada, and 25+ other regulatory bodies for compliance and reporting purposes.
We issue instant credit certificates, ensuring they are valid for presentation to governing bodies. Typically, we report IRS, CTEC, CFP, IDFP, IWI, VBOA Ethics credits within 7 days – the fastest in the industry.
NS
Dev Strischek did an excellent job, and I learned some new things. It was a tremendous and exciting course!
MW
Dev has a very pleasant voice, making listening very easy. Course was informative.
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