Conferences & Education

Commercial Lenders Institute

Uncovering Portfolio Soft Spots in a Credit Crisis
Prevent Your Bank from Being a Victim of Flawed Credit Analysis

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In today's uncertain credit climate, this one-day workshop is an excellent overview of the early warning signals examiners look for when they dig into your portfolio. Hear from a seasoned credit professional and a bank examiner how to address these “8 failure zones" your credit team should understand to fortify your portfolio:

  • Why the old reliables may not be reliable!
  • When profit really isn't profit
  • How debt service can quickly disappear!
  • When cash flow is NOT cash flow
  • Why do they REALLY need the money?
  • Why income tax returns may lead you astray
  • Why “global cash flow” is a flawed concept
  • C&I vs. CRE: Why predicting cash flow for C&I Lending is so much harder

Speakers

  • Rex Beach, Shockproof! Training
  • Senior Examiner, Federal Reserve Bank of San Francisco

Who Should Attend

  • Chief Credit and Chief Lending Officers
  • Senior Lenders/Commercial Credit Underwriters
  • Loan Officers
  • Credit Administration
  • Credit Analysts

Over the last decade, most banks have faced few credit failures. Not so today. Learn the nuances of commercial credit analysis demanded in today’s environment of falling real estate prices and uncertainty. This seminar provides the tools to proactively reduce risk by understanding the typical failure zones in banks’ credit assumptions.

Takeaways include:

  • Reduce pages of output to a handful of ratios and cash flow indicators. Discover unambiguous signals about shifts in risk profile.
  • Uncover the truth about net profit and EBITDA. Learn how to determine actual net profit and EBITDA from the values reported.
  • Determine why the business needs to money. Is it driven by sales growth and working capital needs or poor balance sheet management or lifestyle maintenance?
  • Understand how analytical practices which show a surplus can set the stage for a financial and cash flow disaster.

View a short overview of this program at our playback webinar!

Schedule

9:00 am Registration & Coffee
9:30-11:30 am Class
11:45 am-1:00 pm Lunch & Peer Group Discussion
1:15-3:45 pm Class

Registration Fees

$440 Bank & Associate Member
$540 Nonmember Bank

New Bank Member Discount
WIB Member Banks in organization or opened less than 3 years subtract $50 off the above fees.

Cancellation Policy
Cancellations received at least 14 days prior to the start of the Workshop will receive a refund minus $75 processing fee. Cancellations received at least 8 days prior to the start of a workshop will receive a 50% refund. Cancellations received less than 7 days prior to the event will not receive a refund. Substitutions can be made. WIB is not responsible for airfare penalties due to the cancellation of this program.

Money Back Guarantee
If you are not completely satisfied with this workshop, we will provide a full refund of your registration fees.

Rental Car Discount

Special discounts are available with AVIS Rent-A-Car. Call AVIS directly at (800) 331-1600 and mention WIB’s Group Code: J990669.