Presenter: Richard Hamm, Advantage Consulting and Training

This 90-minute program will be presented live on: March 14, 2023 – 8:30-10:00 a.m. CT

Recording available through: June 14, 2023

Price: $330

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.  We will explore the information and resources needed, plus key issues for extracting data from tax returns.  One area of concern is the income listed on page two of Schedule E compared to withdrawals or contributions shown on the related K-1s.  A case study is used to illustrate key points.

Topics to be covered include:

• Versions of GCF being used by bankers
• Regulatory concept of global analysis
• Analytical and conceptual issues:
  • Giving credit for business earnings or amount distributed
  • What is shown on a Schedule K-1 (income/expense pass-throughs versus cash inflows/outflows)
  • Some tax return basics/issues along the way

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 offi