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Understanding Commercial Cash Flow Analysis

Understanding Commercial Cash Flow Analysis

Who Should Participate

This course is recommended for credit analysts and lending staff who are new to the industry or more experienced staff who need a refresher on cash flow perspectives or wish to understand global cash flow better.

This webinar will be held via Zoom. Attend virtually from the comfort of your home or office! You will receive the webinar link the day prior to the webinar. Please note: Each link is uniquely coded and may only be used by the individual registered for the course. We ask that you do not share the link and reserve the right to remove unregistered attendees.

Make your attendance count towards your continuing professional education credits! The MBA will provide a certificate of attendance that you may submit to the appropriate advisory board.

 

Program Overview

Cash repays loans--not collateral, not capital, not deposit. Getting a handle on the cash flow that your bank generates and understanding where the cash is going is critical to fully analyzing a loan request.

This course starts by looking at the cash impact linkage between the income statement and balance sheet. The seven core cash drivers of any borrower are detailed, as well as expectations for various industries to assure your borrower is within a norm. A global cash flow model is presented, going through each document where cash can be sourced from. Traditional cash flow analysis is presented with reflections on its shortcomings, as well as when it should not be used. Lastly, UCA cash flow is detailed with the attendees understanding the embedded relationships, the powerful information it provides, as well as how it is used and what can impact it both positively and negatively. Participants will be asked to build a UCA cash flow based on a case study within a group.

Presenter

Brad Stevens is the principal at Stevens Risk Management, LLC. Brad has been leading the credit industry as an analyst, commercial banker, senior credit officer, nationwide trainer, and consultant for over 30 years. He is a firm believer in making banking better and the training philosophy of bankers training bankers. Brad has an MBA in Finance from the University of St. Thomas and is a graduate of the Graduate School of Banking at the University of Wisconsin, Madison. You can check out the Stevens Risk Management web site at SRMALLC.net or contact Brad at brad.stevens@srmallc.net.

Registration Fee

Member: $295.00 
Qualified non-member:
$590.00

Note: You will be given the option to pay by credit card or to invoice your company during the checkout process.

Date & Times

March 25, 2021
Program:  9:00 AM - 4:00 PM

Cancellation Policy

The MBA reserves the right to cancel programs due to insufficient enrollment, instructor illness, or other reasons. Participants wishing to cancel must inform the MBA in writing prior to the event. Send cancellation notices to maryh@minnbankers.com. A cancellation fee of 25% of the program cost will be charged for withdrawing, or you may send a substitute. The full program fee will be charged for withdrawing after the event has taken place or a no-show. 

Non-Members

Employees of qualified non-member banks are encouraged to apply. Please call our office for further information.

Special Needs

If you have a disability that may affect your participation in this program - or any dietary issues - please send a statement regarding any special needs to maryh@minnbankers.com at least two weeks prior to the program. We will contact you to discuss accommodations.

Photo Release

By registering, you hereby grant the MBA permission to use your likeness in a photograph, video, or other digital media in any and all of its publications or promotional materials, without payment or other consideration.

When
3/25/2021 9:00 AM - 4:00 PM
Where
At Your Desk
Online registration not available.

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