Signs of a Financially Distressed Business

Grading Loans in Today's Regulatory Environment

Types of CRE Loans

Analyzing the Projected Cash Flow of a CRE Property
How to review a CRE Appraisal
Analyzing Liquidity & Contingencies of a Guarantor

Global Cash Flow of a Guarantor

Contributions, Distributions & Guaranteed Payments

Requirements for a Financially Responsible Guarantor

Our last training seminar of the Commercial Financial Analysis series provides participants a unique opportunity to acquire more advanced credit skills that are essential for a credit analyst/lender in today’s business environment.  

Participants learn how to recognize a financially distressed business, how examiners grade loans and the risks, issues & requirements for underwriting a commercial real estate credit. Lastly, attendees learn how to prepare a Global Cash Flow for a Guarantor.  Within a case study, attendees analyze the federal tax return of a Partnership and that of the Guarantor.

Who should attend?
Attendees that are moderately experienced or have attended the first (2) seminars of Commercial Financial Analysis.  Ideal training for anyone seeking training and/or improved skills in Credit Management, CRE Lending and in analyzing a Guarantor's Global Cash Flow.

Seminar Topics 
Credit Management

Attendees learn  techniques for the early recognition of a financially distressed business. We review how examiners grade commercial loans in today’s regulatory environment.

CRE Lending

We review the fundamentals of CRE lending;

• Types of CRE loans: ADC, Construction, Balloon & Bullet, Mini-Perm and Permanent.
• Typical CRE documentation
• Understanding  CRE Appraisals
• Guidelines for reviewing Appraisals
• Construction Draw Requirements

   

Case  Study:
Attendees review a CRE loan  for a  partnership that owns an office building.    We begin by closely scrutinizing information obtained on the the property.  Attendees review the following topics; 

• Scrutinizing the operating statement of a CRE propertyReviewing a rent roll and leases
• Establishing the credit profile of tenants
• Obtaining information on physical condition of property
• What factors must be considered when projecting CRE cash flow



Attendees identify specific property related questions & issues that must be addressed in order to properly project future cash flow. Participants review the tax returns of the partnership and the primary guarantor.  In analyzing the tax returns, attendees must develop a global cash flow for the borrower and the guarantor.   Case topics include;

• Analyzing the liquidity & contingencies of a guarantor

• Partnership ordinary income, separately stated items, contributions, distributions & guaranteed payment

• Establishing a Financially Responsible Guarantor

Advance Financial Analysis

Online

CFA 2209     6/16

CFA 2210     6/23

CFA Online 9:00 am - 5:00 pm Central Time (8:00 - 4:00 Mountain)