Presenter: Richard Hamm, Advantage Consulting and Training
This 90-minute program will be presented live on: Mar 21, 2023 – 8:30-10:00 a.m. CT
Recording available through: June 21, 2023
This seminar covers common versions of global cash flow (GCF) analysis being used by bankers, with a focus on GCF as part of the underwriting process in most medium- to smaller-sized businesses and self-employed lending situations. A major issue is how to adjust or reduce the personal cash flow for income taxes and living expenses. Because of differences in how a personal debt-to-income (DTI) is derived versus a business debt service coverage (DSC), some type of adjustment must be made before combining personal and business data. This leads to a discussion of the advantages and disadvantages of adjusting for income taxes and living expenses, versus adjusting the required coverage factor. Another major issue is capital gains and other items within the broader recurring/non-recurring decision category. A case study is used to illustrate key points.
Topics to be covered include:
Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers