Cash Flow Projections for Long-term Lending

  • Product Id : FN3350
  • Category : , ,
  • Presenter :
  • Scheduled On : November 20 2019 1:00 pm
  • Duration : 60 Minutes

First, the session will explain the interrelationships among revenue projections, the expenses needed to support the sales growth as well as the working capital assets, fixed assets, and liabilities necessary to support revenue growth. Second, the session will offer tips on how to analyzing underlying assumptions such as profitability, productivity, efficiency, and earnings retention.

Why You Should Attend:

Financial organization extend credit to borrowers when the borrowers show the ability to repay the loans extended. Ideally, a request for a five-year loan should be supported by a 5-year cash flow projection, and this session will show you how to project balance sheet, income statement, and cash flow for a period that matches the proposed loan term as well as to evaluate the underlying assumptions.

Areas Covered in the Session :

  • Critical role of revenues in projecting financial statements and cash flow.
  • Projection of income statement, balance sheet and cash flow to calculate loan needed to support projection and ability of the borrower to repay the loan.
  • Evaluation of underlying assumptions including the feasibility of revenue growth rate, profitability, productivity, efficiency, earning retention, and leverage.
  • Calculation of loan amount needed to support financial projection and borrower’s repayment ability.
  • Analysis of asset collateral base available to support repayment.
Who Should Attend:

  • Credit Analysts
  • Credit Managers
  • Credit Risk Managers
  • Risk Managers
  • Enterprise Risk Managers
  • Chief Credit Officers
  • Senior Lenders
  • Senior Lending Officers
  • Bank Directors
  • Chief Executive Officers
  • Presidents
  • Board Chairmen

FN3350

Dev Strischek

A frequent speaker, instructor, advisor, and writer on credit risk and commercial banking topics and issues, Dev Strischek is principal of Devon Risk Advisory Group and engages in consulting, speaking and training on a wide range of risk, credit, and lending topics. As former SVP and senior credit policy officer at SunTrust Bank, Atlanta, he was responsible for developing, implementing, and administering credit policies for SunTrust’s wholesale lines of business–commercial, commercial real estate, corporate investment banking, capital markets, business banking, and private wealth management.

He also spent three years as managing director and credit approver in SunTrust’s Florida commercial lending and corporate investment banking areas, respectively. Prior to SunTrust, Dev was chief credit officer for Barnett Bank’s Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, Dev’s experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor in Hawaii, Missouri, and Florida. A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, he earned his M.B.A. from the University of Hawaii.

Dev serves as an instructor in RMA’s Florida Commercial Lending School, the Stonier Graduate School of Banking, and as both an instructor and as a member of the American Bankers Association’s (ABA) Commercial Lending and Graduate Banking School advisory board. His school, conference, and workshop audiences have included participants drawn from the ABA, RMA, OCC, Federal Reserve, FDIC, FFIEC, SBA, the Institute of Management Accountants (IMA) and the AICPA.

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