Vincent DiCara
Senior Consultant
Vincent DiCara has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for 30years 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.

Mr. DiCara was the owner and founder of Development Finance Training and Consulting, Inc. which he established in 2003. Upon leaving DFTC in early 2013, Mr. DiCara established DiCara Training and Consulting, LLC where he continues to provide the highest quality services to his clients in the banking, credit union, and economic development sectors.

Mr. DiCara has developed a number of partnerships with organizations whose missions include training and education. He is a co-creator and faculty member of the Credit Union National Association's (CUNA) Business Lending Certification Institute. He has also established relationships with chapters of the Center for Financial Training (CFT) and state banking associations throughout the country. Mr. DiCara also serves as a faculty member of the Neighborhood Reinvestment Corporation and has developed a number of courses that he regularly teaches for that organization. Mr. DiCara also serves as a loan practitioner.
Upcoming Webinar
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Recorded Webinar
Fundamentals of SBA Lending: Documenting, Closing, and Funding the SBA Loan
This webinar will explain the fundamentals of SBA lending and the two most used and popular SBA's programs: The SBA 504 Program and the SBA 7a Program. Attendees will learn how to document SBA loans, as well as closing and funding SBA loans.
Recorded Session Get life time access for one participant with download option!

Ten Things to Look For When Analyzing Profit and Loss Statements
The credit analysis process requires that a lender review a wide variety of financial information. This information includes profit and loss statements, which occasionally are the only financial information that borrowers provide to lenders. This program will examine ten important things that every analyst and loan officer should look for when evaluating the information contained in profit and loss statements. The objective of this program is to provide lenders with a simple checklist that they can utilize whenever they receive a business' profit and loss statement information. At the end of this program, participants will be more comfortable with knowing what to pay attention to when they analyze the profit and loss statement of a business.
Recorded Session Get life time access for one participant with download option!

Using Business Tax Returns to Analyze Lending Requests
This session will demystify the information contained in tax returns. Those who attend will be able to distinguish between what to pay attention to in tax returns and what to ignore in them. The result of attending this session will be a better understanding of the information contained in tax returns to be used for business credit analysis purposes.
Recorded Session Get life time access for one participant with download option!

Ten Things to Look For When Analyzing Profit and Loss Statements
The credit analysis process requires that a lender review a wide variety of financial information. This information includes profit and loss statements, which occasionally are the only financial information that borrowers provide to lenders. This program will examine ten important things that every analyst and loan officer should look for when evaluating the information contained in profit and loss statements. The objective of this program is to provide lenders with a simple checklist that they can utilize whenever they receive a business' profit and loss statement information. At the end of this program, participants will be more comfortable with knowing what to pay attention to when they analyze the profit and loss statement of a business.
Recorded Session Get life time access for one participant with download option!

Working With Small Businesses at Risk
The risks associated with lending money to small businesses can be significant, as evidenced by their high failure rate. There are a number of steps to reduce these risks, including detection, analysis and action. This program will examine the ways in which loan analysis, loan structuring, loan monitoring, proper loan servicing, and other techniques can help to avoid problem loans and assist the lender in dealing with all difficult situations.
Recorded Session Get life time access for one participant with download option!

Analyzing the Tax Returns of Businesses
The only financial information that is available from many businesses is contained in tax returns. As a result, lenders often need to make a lending decision based on the information contained in those returns. This program will educate attendees in the ways in which business tax returns are both similar to and different from conventional financial statements. As tax returns are commonly used by lenders to determine the financial health of businesses, it is important to understand the information contained in those returns.
Recorded Session Get life time access for one participant with download option!

Understanding and Analyzing Financial Projections
Financial projections can be an important consideration in the lending process and in the case of startup; businesses are the only financial information that is available. This program is designed for business lenders and others who need to understand both the importance and limitations of financial projections.
Recorded Session Get life time access for one participant with download option!

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