C & I Lending

 

Working Capital Financing

 

Date to be announced

 

9:00 am to 5:00 pm (Central Time)

Online Training

 

Working capital financing for a growing business can be very profitable for a commercial bank. However, lenders should recognize the risks and possess the credit skills required for such lending.  These skills are especially important for lenders currently managing working capital lines of credit but have inadequate training in C&I lending.

 

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

 

Date to be announced

 

Seminar 9:00 am to 5:00 pm (Central Time)

 
Fees & Registration 
$275 per attendee.   
 
Special Requirements for Attendance 
  • 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

 

Commercial Financial Analysis

 

July-August Seminars

CFA 2420  7/16 - 7/18

CFA 2421  7/23 - 7/25

CFA 2422  8/20 - 8/22

CFA 2423  8/27 - 8/29

 

CFA Training Fee

$675 per Attendee

 

 Sept - Oct Seminars

CFA 2424  9/17 - 9/19

CFA 2425  10/1 - 10/3

CFA 2426  10/15 - 17

CFA 2427  10/29 - 31 

Writing Credit

Presentations

 

WCP 2403  5/21 Closed

WCP 2404  5/23 Closed

 

$275 per Attendee

C & I 

Working Capital Financing

 

Date to be announced


$275 per Attendee

 

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