If you are a lender, are you ready to improve your game? If you manage, analyze or review commercial relationships, what are the key drivers of borrower performance after the loan has been closed?
This advanced webinar will take you beyond the basics of financial analysis and portfolio management to provide experienced bankers the advanced tools to influence credit quality and profitability. We will explore critical quantitative factors such as the role of sales growth in the financial performance of the borrower, even the importance of the firm’s blend of fixed and variable costs that influence it’s break-even sales level, which is an important issue when the economy is uncertain (pandemic or recession, for example), as well as qualitative issues of industry, market and management risks, that also were amplified during the pandemic and continuing issues with supply chains, inflation, higher interest rates and hiring/retaining employees.

Specific subjects that will be covered during the seminar:

• Applying the concept of a firm’s sustainable growth rate (compared to actual sales growth) and its effect on the financial condition, borrowing needs and performance of a business
• Identifying a firm’s fixed and variable cost structure and related break-even sales level
• Assessing industry, market and management risk and their effect on financial results and as part of an overall risk rating for the borrower