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.
- 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.
- 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
- Board Chairmen