The focus of this course will be the activities associated with Qualitative and Quantitative Analysis when underwriting evaluates a commercial lending request. This is an overview of the entire process for non-lenders.
- Describe macroeconomic factors that affect a business and its ability to repay a loan.
- Evaluate business, industry, and management risk elements and their effect on loan repayment.
- Analyze key ratios including liquidity, leverage, asset management, profitability and coverage ratios.
- Evaluate sources and uses of cash on the financial statements.
- Understand the history of the cash flow statement and how it is used in credit analysis.
- Describe the difference between operating, investing and financing cash flows.
- Identify primary and secondary sources of repayment.
- Evaluate the risks associated with lines of credit, term loans, bridge loans, and permanent working capital loans.
- Understand affirmative and negative covenants.
- Explain how underwriting integrates the analytical traditions of financial analysis, management assessment, and business environment into an appropriate credit recommendation.
- Outline the critical risks and how those risks are mitigated.
Who Should Attend:
Anyone who wants to understand how a commercial lending decision is made.
An authority on financial and credit risk, Mr. Carlin is a Managing Partner at Eensight. He has worked with major banks, insurance companies and regulatory agencies over the last twenty years, designing and teaching financial topics including: basic, intermediate and advanced credit and financial statement analysis, business lending for branch bankers, accounting for bankers, basic intermediate and advanced cash flow analysis, loan structuring, consumer lending and trade finance. His audiences include business bankers, recent graduates going through the organization's basic credit training program, senior management personnel that need to know the basics of accounting and financial statement analysis, middle market lenders with many years of experience and regulatory agency personnel. Each program he designs and teaches is tailored to the individual customer with the products, procedures, and culture of the organization incorporated into the course design. The complexity and intensity of the programs are adjusted to reflect the needs of the participants and the logistical training issues faced by the organization.
He is the author of Financial Statement Analysis published by the American Bankers Association in 1994. He is also the author of Consumer Lending, published by The Center for Financial Training in 2015.
He has designed and taught programs in risk analysis for Citibank, Wells Fargo, American International Group, Capital One, Chase Manhattan Bank, First Tennessee, M & T, Union Bank, and The Bank of China. He has also taught the Credit Risk Analysis Program at the Federal Reserve Bank.
Prior to Eensight, Mr. Carlin was a Regional Director for Omega Performance Corporation. He was also a Vice President with Bankers Trust in New York. He was responsible for marketing credit and trade finance products to corporate clients and correspondent banks worldwide.
Mr. Carlin has a Masters of International Management degree from The Thunderbird School of Global Management and a Bachelor of Arts Degree from Villanova University.
- “Live” Web connection - $265
- Additional connection for a branch - $75
- 6-month “OnDemand” website link only - $295
- CD-ROM and e-materials only - $345
- Live plus OnDemand website link - $365
- Premier Package: Live, OnDemand link, and CD-ROM plus - $395