Course Overview | Participants learn how to use individual federal tax returns and personal financial statements to generate an accurate cash flow statement for an individual, and to use the results in the credit analysis process.
After completing this training, participants should be able to:
|
Target Audience | Any small business/business banker or private banker |
Duration | 2 days |
Course Overview | This course covers how to accurately calculate cash flow from individual tax forms and schedules, introduce global cash flow perspective, and address more complex tax issues that may affect borrowers.
After completing this training, participants should be able to:
|
Target Audience | Experienced small business/business banker or private banker |
Duration | 2 days |
Course Overview | Participants learn how to consolidate cash flow of related entities into a global cash flow used to analyze the ability of those obligated entities to service debt.
After completing this training, participants should be able to:
|
Target Audience | Experienced small business/business banker or private banker |
Duration | 3 days |
Course Overview | Whether making a decision to lend to an individual for a home or to a privately-held company, lenders will place some, if not all, weight on the strength of the principals’ financial position. This course will develop the skills necessary to analyze complex personal financial statements, particularly those of high net worth individuals. The course moves beyond analyzing historical tax returns to forecasting an individual’s future ability to provide either cash flow or collateral support.
After completing this training, participants should be able to:
|
Target Audience | Experienced small business/business banker or private banker |
Duration | 2 days |
Course Overview | Participants are introduced to the risks involved in lending to individuals with focus on individuals whose wealth is derived from ownership in a small or medium sized business enterprise. The training includes the following modules:
Module I – Introduction to Credit Risk: Five C’s of credit analysis, sources of wealth/wealth life cycle, risks of lending to wealthy individuals, overview of financial statements Module II – Fundamental Credit Analysis: Individual income/cash flow analysis, adjusted net worth/contingent liabilities, leverage/liquidity/financial ratios Module III – Critical Credit Knowledge: Forms of business organization, lending to business owners, lending to different professionals (physicians and attorneys), loan documentation basics Module IV – Loan Structure: Typical borrowing needs/requests of wealthy individuals, loan structure fundamentals, collateral/guarantees/covenants, loan compliance/monitoring Module V – Making the Client Call: Call preparation and exploring additional banking opportunities for existing and prospective clients, and understanding the perspective of the underwriter in making credit risk management decisions |
Target Audience | Any private banker |
Duration | 2 days |
Course Overview | This course teaches participants the purpose, structure and use of trusts as well as how to approach credit analysis when considering lending to trusts. Participants will gain an understanding of:
|
Target Audience | Any private banker or other lending staff involved with trusts |
Duration | 1 day |
Course Overview | This course provides the private banking professional with a basic understanding of real property investments and financing, from the perspective of a private banker. Participants learn:
|
Target Audience | Any private banker |
Duration | 1 day |