This program provides the analytical tools (with case examples) to understand how the working capital cycle affects the borrowing needs of a business in terms of a line of credit, and how the dollar size of the line of credit is related to this cycle.
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.
This program provides a refresher for the key issues in determining which method of accounting is being used when reviewing financial statements, and what it means for the analysis process.
This session provides a base understanding of the basic components of the balance sheet and income statement, along with the reconciliation of retained earnings, plus footnotes and other disclosures
This seminar demonstrates how to compile a statement of cash flows (SCF) as developed by accountants.
This program covers how to calculate and analyze the basic set of financial statement (or tax return) ratios for operating businesses.
This seminar demonstrates how the UCA model is derived and compares it to the statement of cash flows (SCF) prepared by accountants.
This program unlocks the key issues in analyzing business tax returns by creating a business tax return from a conventional financial statement.
This session is a must-attend for those looking to not just adapt but thrive in a continuously evolving banking landscape
This seminar provides bankers with examples of the basic principles of loan structuring for four basic loan types (seasonal, bridge, term, and line of credit).
This program is centered around basic writing principles, but applied to lending.
This program is centered around basic writing principles, but applied to lending.
This program provides the four keys to developing the best loan structure, starting with the bank’s goals.
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.
Learn how to improve your bank’s loan pricing and profitability in three key steps.
This program is for those new to business or commercial lending or those who work in a supporting role.
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.
This program covers the basics of loan agreements, starting with the typical structure of the document and the roles of financial and non-financial covenants (some covenants achieve more than one objective).
This program provides an overview of the major issues involved in consumer or residential construction lending, primarily to individuals having a home built or remodeled.
This program provides an overview of the key issues involved in analyzing and underwriting commercial construction loans and assessing the risk involved.
This seminar is designed to strengthen your ability to analyze personal financial statements and loan applications within a simple, logical and consistent framework.
This program is for those new to consumer lending or those who work in a supporting role.
This program is for those new to consumer lending or those who work in a supporting role.
This seminar is a practical guide to credit bureau reports, issues with collateral, and a brief overview of the regulatory, compliance and fair lending environment.
This seminar is a practical guide to credit bureau reports, issues with collateral, and a brief overview of the regulatory, compliance and fair lending environment.
This program provides an overview of the entire mortgage process, including home equity lending.
This program provides an overview of the entire mortgage process, including home equity lending.
This program focuses on the three approaches to value that drive the review and interpretation of the property appraisal.
This program focuses on the three approaches to value that drive the review and interpretation of the property appraisal.
This program looks at these other sections and how to effectively analyze them as part of the appraisal review process.
This program looks at these other sections and how to effectively analyze them as part of the appraisal review process.
This program briefly reviews some issues of the entire appraisal process, such as selecting and engaging a qualified appraiser, but focuses primarily on the current rules and guidelines that apply to the review process.
This program briefly reviews some issues of the entire appraisal process, such as selecting and engaging a qualified appraiser, but focuses primarily on the current rules and guidelines that apply to the review process.
An important part of the commercial real estate (CRE) lending process is to establish the value of the collateral, and in many cases, the value does not need to come from a new appraisal. This program reviews these options that have been in place since the initial set of interagency appraisal guidelines in 1994.
An important part of the commercial real estate (CRE) lending process is to establish the value of the collateral, and in many cases, the value does not need to come from a new appraisal. This program reviews these options that have been in place since the initial set of interagency appraisal guidelines in 1994.
This program covers how capitalization (“capâ€) rates are derived and their role in the income approach to CRE market value.
This program demonstrates (from a case study) the key variables and concepts for determining real estate cash flow, including transaction-level stress-testing and where to find information from existing sources, such as tax returns, and what additional information may be needed, such as customer rent rolls.
This program provides a framework not only for arraying the various properties, but a strategy for determining the risk of individual properties.
This program covers key features and components of commercial lease agreements.
Many bankers underwrite loans primarily from personal and business tax returns, particularly at the community bank level. What reported income is actually cash flow? How can we properly assess a large capital gain (or loss)? How can you determine of an item is recurring? Why should you exclude non-recurring items? How do loss carryforwards affect cash flow? What is the Section 179 deduction? This program provides answers and provides case examples.
This program reviews most common global cash flow approaches used by bankers, plus some of the analytical and conceptualize issues encountered.
This seminar covers how to analyze personal tax returns to develop cash flow within a simple, logical and consistent framework
This program focuses on the Form 1040 and determining what reported income (expense) involves cash inflow (outflow).
In this session we will discuss strategies on how to price both deposits and loans to help reach different strategic goals your institution may have while protecting net interest margin.
This program will go over the ins-and-outs of working with public bodies as a commercial bank.
Learn the common issues found in file reviews so you can take the necessary steps to correct your own files as well as improve your loan closing process.
Learn about each SBA program and how to identify which program to use when discussing loan options with your borrowers.
This is a webinar will get you up to speed on what the programs look like today, what has been updated in the latest SOP, and what you need to know for processing loans in today’s environment.
4721 S Biltmore Lane
Madison, WI 53718
