Credit Loan Management-5 Exclusive Webinars

This training package will provide the "big" picture of credit, how to work with the account to collect from them effectively and still retain them as an account; teach skills required to write an effective credit memorandum; make you understand how to calculate and interpret cash flow is essential for successful bankers; show how you can forecast your monthly cash flow within 95% or better; and also help you understand both the importance and limitations of financial projections.
Instructor: Ronald A Sereika, Jeffery W. Johnson, Apryl Kelly, Vincent DiCara
Product ID: PACK70035

CD/Recorded-How It Works:

  • Webinar CD/Recorded will have a series of modules. Our experts have delivered the modules using PowerPoint Presentations
  • Webinar Recording Link or CDs are licensed to be used multiple times at any location with multiple attendants
  • Get unlimited access for Recorded links
  • Free shipment of CDs within 72 hours from the date of purchase
  • Reference materials for Webinar Recording Link/CDs will be mailed to your registered e-mail id

Webinar Topics:

Who will benefit?

  • Credit Analysts and Credit Managers
  • Sales professionals who work with credit and do not understand what they do
  • Controllers who have credit reporting to them
  • Small Business Owners
  • Any industry that sells to commercial accounts on open terms
  • Branch Managers Credit Administration Support Staff
  • Commercial Loan Officers
  • Consumer Loan Officers
  • Loan Review Personnel
  • Compliance Officers
  • Internal Auditors
  • People in Treasury
  • Accounts receivable managers
  • Anyone who has the responsibility to forecast their monthly cash

Webinars included in the Package:

The Credit Manager's Tool Box - Tools, Tips and Strategies to Make a Sound Credit Decision (Duration: 60 Minutes)

This webinar summarizes everything from what you need to look for in setting up new accounts, where to find information on your new customers, how to interrupt and read financial statements. It gives you the basic financial ratios to determine if a customer is profitable, are they generating cash flow from operations, are they too highly leveraged with debt, and are they close to filing bankruptcy within the next year. You will go through a full financial analysis on a company based on audited financial statements, work through ratios, review the auditor's opinion and write up a summary on your customer that will help you determine a credit limit and it can also be presented to senior management for approval.

Objectives of the Presentation:

  • Credit Department responsibilities
  • How to get the information you need for a new or existing customer
  • Learning how to treat customers as partners not just people that owe you money
  • Learning the importance of the other parts of the financial statements, income statement and statement of cash flows
  • Understanding auditors opinions and how this could affect you
  • The benefit of common sizing financial statements
  • Understand why as a credit person you should never be rated based on the DSO calculation
  • Understand the benefit of the Altman Z score calculation

Forecasting Cash Flow (Duration: 60 Minutes)

This webinar will show you a way in which you can forecast your monthly cash flow within 95% or better. The speaker has 25 plus years of experience in cash forecasting and the method he has used with work for any company whether their sales are $100K to $5B. The speaker has used this method for his last three companies and over the last three years has averaged being 97% accurate.

Objectives of the Presentation:

  • How to get your customers annual sales numbers
  • Which customers to choose for your forecasting
  • How to compile historical data for your future use
  • How to set the percentages you will use for forecasting
  • Learn the variables that will affect your outcome of forecasting if you do not account for them
  • Learn what a Phoenix Hecht study does and how you can have one done by your bank
  • Learn that all the tools you need to forecast you have at your fingertips now

Instructor Profile:

Ronald A Sereika has a Bachelor of Science Degree in Accounting and he has completed two-year executive credit and finance program as well as the GSCFM international program both at Amos Tuck School of Business at Dartmouth University. Ron was honored to have received the NACM National instructor of the year award in 2010, the National CCE of Excellence award in 2013 and also the Credit executive of the year for Upstate New York in 2011. Ron is a true team player with a positive attitude that believes he will be able to help you reach the same results he has achieved with his presentation.

Writing Effective Credit Memos and Loan Narratives (Duration: 60 Minutes)

This course teaches skills required to write an effective credit memorandum, which places emphasis upon factors or trends that are important without the need to state the obvious. In short, the credit memo should present relevant, material facts and the writers’ thoughts and opinions. Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower. The webinar will also explore the underwriting and reporting on Commercial Real Estate, Construction Loans, Acquisition and Development Loans and Multi-Family Unit loans. In doing so, several samples of proven credit memos will be examined to insure bankers are covering the areas required by the banking regulators.

Objectives of the Presentation:

  • Credit Analysis
  • Financial Impact of changes in financial factors
  • Financial trends and financial ratios
  • Writing focused credit memoranda
  • Strengths and Weakness in the writing process and evaluating the Lender
  • Gross Income
  • Sources of Repayment
  • Key Risk and Structuring Issues
  • Leverage, Liquidity, Cash Flow, Financial Ratios, Asset Management and Operation/Performance Ratios
  • Organizing the Credit Report

Instructor Profile:

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank). Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities.

Global Cash Flow Analysis (Duration: 75 Minutes)

The course will begin by defining Cash Flow as the tool to transform an Accrual Basis Financial Statement into a Statement of Cash Flow and its importance to bankers when considering a long term loan request. Then it will proceed to demonstrate how Cash Flow is calculated utilizing the balance sheet and the income statement to determine the sources and uses of cash from Operating, Investing and Financing Activities. Next, a review of the owners’ personal financial statements and tax returns will be presented in order to determine the excess compensation necessary to support the debts of the business entity and the individual. That is the entire premise of Global Cash Flow Analysis.

Objectives of the Presentation:

  • Rules of Cash Flow which are essential in determining how much cash is generated from items on the balance sheet
  • Global Cash Flow Analysis Methodology utilizing financial statements, tax returns and credit reports of commercial borrowers and individuals
  • Comparison of the UCA method of calculating cash flow to the less effective traditional EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) method of determining cash flow
  • A Fast Cash Analysis method which can get you to the same results in less time

Instructor Profile:

Apryl Kelly is the Assistant Vice President of Commercial Lending for Citizens Trust Bank (CTB). Apryl has served in many roles within financial institutions in both Consumer and Commercial departments. Apryl brings enthusiasm and a common sense approach to banking. Prior to joining the CTB on August 18, 2014, Apryl was an Assistant Vice President at Regions Bank within the commercial lending underwriting and special assets departments. Apryl also served as a loss mitigation underwriter for Wells Fargo Bank and a mortgage underwriter, processor, loan officer, and sales trainer for Centex Mortgage.

Understanding and Analyzing Financial Projections (Duration: 90 Minutes)

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.

Objectives of the Presentation:

  • Why projections are important
  • Testing assumptions on which financial projections are based
  • The proper methodologies for developing projections
  • Permanent working capital
  • Projected cash budgets and their importance
  • Startup businesses and their use of projections
  • Existing businesses and the importance to develop projections for them

Instructor Profile:

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.

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