Sponsored by Business Alliance Financial Services
If you would like to register more than one individual from your organization for our commercial lending school, please contact Jennifer Coppock at firstname.lastname@example.org for an invoice.
The Bauer Commercial Lending School II course teaches the analytical process and decision-making techniques needed to make sound credit decisions through the application of financial accounting, financial statement analysis, cash flow analysis, and transaction structuring. Participants will establish a foundation in the following areas of study: business and industry risk analysis, management analysis, financial statement analysis, cash flow analysis, cash flow drivers, debt capacity, forecasting, and transaction structuring.
WHO WILL BENEFIT?
This course is designed to be the cornerstone of a strong core credit curriculum. Participants should have a basic knowledge of financial accounting and some familiarity with financial statements.
BAFS member price: $2100
BAFS non-member price: $2600
The Bauer Commercial Lending School II will include a key case study for implementation of the concepts. At a minimum, participants will be required to read the cases and develop a viewpoint based on a set of guidance questions prior to the program. In addition, participants may be required to submit an analysis of the case to the instructor prior to the pro-gram depending on the objectives of the credit union. Additional cases will be introduced to allow participants the opportunity to practice the credit skills they learn.
In addition to creating a framework for analyzing credits, the participants will learn the specifics of transaction structuring seasonal financing, permanent working capital, term debt, subordinated debt, and equity. Covenants, collateral and terms and conditions of lending will also be covered.
MODULE 1 – CREDIT RISK ANALYSIS
MODULE 2 – CREATING VALUE-ADDED SERVICES THROUGH A RELATIONSHIP PLAN-NING AND FINANCIAL ADVISORY ORIENTATION TO CLIENT MANAGEMENT
MODULE 3 – THE COMMERCIAL LENDING PROCESS AND INITIAL BUSINESS DEVELOPMENT CALLS
Participants, upon completion of this module, will be able to:
MODULE 4 – TRANSACTION STRUCTURING
Participants will review the concept of capital structure and the types of financing available. Participants will understand the role of covenants, and terms and conditions of lend-inf. How to develop and present a viable recommendation for a transaction based on historical and forecasted information will be discussed. After completing this module, participants will:
MODULE 5 – PERSONAL FINANCIAL STATEMENTS AND TAX RETURNS
Participants will get an overview of financial statement analysis in the context of various tax returns. The analytical focus is to isolate cash flow to repay debt from various tax forms. Upon completion of this module, participants will be able to:
MODULE 6 – PROJECTIONS
The factors associated with developing financial projections will be discussed. The concept of cash flow drivers will be used to develop forecasts. After completing this module, participants will: