C & I Lending
Working Capital Financing
WCF 2402 Date to be announced
9:00 am to 5:00 pm (Central Time)
Online Training
Seminar Key Topics
- Understanding the risks in working capital financing
- Determining the appropriate amount of a line of credit
- Recognizing the warning signs of the high-risk borrower
- Rigorously evaluating accounts receivable and inventory
- Structuring and monitoring a working capital line of credit
- Protecting and liquidating working capital collateral
Who should attend? Commercial lenders, loan portfolio managers, credit analysts, underwriters, loan review officers and anyone who desires to increase their commercial lending skills.
Opening Topics
The seminar begins with an overview of working capital lending with a special emphasis on permanent working capital loans. We outline the risks associated with this type of lending. Attendees then review an approach for estimating the appropriate amount of a line for a potential borrower. And, how to avoid the common mistakes in determining the amount of a line of credit.
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The Desirable Working Capital Borrower
Not all businesses are suitable for working capital financing. Therefore, we review the characteristics of a Desirable Working Capital Borrower. These characteristics have shown to lessen credit risk and enhance the likelihood of a profitable lending relationship. Additionally, we outline Potential Warning Signs of High Credit Risk. Signs that a lender may view as a warning flag and to approach with caution.
Evaluating the Borrower.
The next step for a lender is to evaluate the operating & financial management of the business. Attendees review a checklist as to specific questions that a lender should ask of the borrower. These questions provide a framework for developing an understanding of the operations of the business. Next, a lender needs to gauge the quality of the receivables and inventory. Once again, we outline a list of questions pertaining to the receivables and inventory. The answers to these questions will provide an insight as to the quality of these working assets. Lastly, attendees review an outline for determining a liquidation value of inventory.
Structuring & Monitoring the Line of Credit
Key topics in the section include,
- Loan Structuring: Credit Concerns
- Guidelines for Structuring
- Typical Financial Covenants
- Monitoring, Control & Documentation
- Accounts Receivable & Inventory Eligibility
- Structuring a Borrowing Base
- Non-Notification Receivable Financing
- Loan Monitoring & Compliance
Working Capital Loan Agreement
We review the structure and key components of a realistic sample working capital loan agreement. Due to the nature of the lending, C&I loan agreements differ significantly from other commercial loan agreements. Attendees learn how a lender uses the agreement to manage and monitor credit risk in a working capital borrowing relationship.
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Collateral Control & Protection
A lender should have a fundamental understanding of the requirements for controlling , protecting and if necessary, liquidating their collateral of receivables & inventory. Topics include,
- Liquidation Procedures: Receivables & Inventory
- UCC: Liquidation of Intangible Personal Property
- UCC: Liquidation of Tangible Personal Property
- Protecting Inventory Collateral
C & I
Lending
Working Capital Financing
WCF 2402 Date to be announced
Seminar 9:00 am to 5:00 pm (Central Time)
- Approximately 2 days before the seminar, attendees will receive an email with the handouts for the training. Prior to the seminar, the handouts should be printed and available for the training.
- Beyond the handouts, a substantial amount of additional information will be presented in the seminar. Highly recommend that attendees have available a highlighter and pen/pencil for taking notes.
- Due to the Power Point presentations and additional visual material presented in the training, attendees should have a computer with monitor & video cam for attending the training. (Cell phones are simply not adequate) The training will be held in a Zoom meeting. In order to participate in the training, attendees will be required to have their video turned on at all times.
- Attendees may not record the video or audio of the training.
Instructor: Jim Shreve
Over the past twenty years, hundreds of lenders and credit analysts have attended seminars conducted by Jim Shreve. He has over 25 years in commercial lending and credit administration experience. He holds a Masters in Finance and a B.S. in Accounting. His work-shop styled approach to training is well known for providing a rewarding experience for all attendees regardless of their prior experience in credit analysis and lending.
Register for Working Capital Financing
CFA 2424 9/17 - 9/19
Registration Closed
CFA Training Fee
$675 per Attendee
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