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Analyzing Cash Flows
Webinar
11 AM CT
Presenter(s): Mark Uhler
Duration: 1 hour
Pricing:
$299 - Live, Download or CD
$249 - (for Affiliation Members)
$349 - Live + Download or Live + CD
Cash may be king in some worlds, but in the world of commercial credit, cash flow is critical. It is the single most accurate indicator of a business borrower’s ability to repay a loan – and an analysis regulators want to see in your loan files.
Loan officers who misinterpret cash flows, or fail to consider them, risk originating a troubled loan or rejecting a solid one. But analyzing cash flow isn’t just a matter of reading financial statements. It requires aggregating financial information from a variety of personal and business records and then reading between the lines to understand what the numbers are telling you — and what they aren’t telling you ― about a borrower’s current financial condition and future repayment prospects.
In this pre-recorded Webinar, commercial lending specialist Mark Uhler covers the fundamentals of cash flow analysis, explaining how to calculate cash flow and, equally important, how to use that information to improve credit decisions. The Webinar will explain how to identify both the red flags and the hidden strengths in a borrower’s financial statements; how to “follow the money” through a company’s business cycles; how to extract cash flow information from corporate tax returns; and how to recognize the difference between cash flows produced generically by operations, and those produced artificially by accounting procedures;
Webinar topics will include:
- Key questions to ask about:
- Capital gains and losses
- IRA distributions
- Pensions and annuities
- Tax refunds
- Officer compensation
- Tax return analysis
- “Stress testing” the cash flow projections
- Best practices for calculating cash flows
- Common mistakes – and how to avoid them.
BIO: Mark Uhler
Mark joined Sheshunoff Consulting + Solutions' Risk Management Division after a 36 year banking career as a consultant, regulator, and banker with specialties in loan reviews, reserve for loan loss reserve analysis, and problem loan work out administration. Mark served as President and Chief Executive Officer of troubled banks in Kansas, Missouri, Oklahoma and Texas where he was responsible for successfully restoring the banks to a safe and sound condition.
Mark began his career as a national bank examiner for the Office of the Comptroller of the Currency in the Kansas City, Missouri in 1973.
Mark authored the “Guide to Developing a Written Lending Policy” for the American Bankers Association and participated in designing the “Business Banker” certification for the Institute of Certified Bankers.
Mark graduated from the Stonier Graduate School of Banking at Rutgers University in 1984 and received a Bachelor of Science, Business Administration degree from Pittsburg State University majoring in accounting and economics in 1977.
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