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2022 - C for Yourselves the 5 C's of Credit



VenueOnline event, USA - United States USA - United States

Keywords5 C's of Credit; Commercial banking topics; Banking Operations


Topics/Call fo Papers

The first four C’s—capacity, conditions, collateral, and character-- evaluate a borrower’s ability to repay, but character forces the lender to examine closely the borrower’s willingness to repay.
Bankers have relied on the 5 C’s of credit—capacity, conditions, collateral, capital, and character for many years, but what do these terms really mean, and how do lenders use them to determine whether a potential borrower is creditworthy? This credit model is simple to understand and easy to use. Attend the session to C for yourselves.
Areas to be discussed include:
capacity measured by the ability to repay from cash flow
conditions evaluated in terms of how borrowing needs change over the business cycle and what makes some industries more vulnerable to downturns than others
collateral analyzed in terms of relative liquidation values
capacity considered in terms of the borrower’s equity cushion and the degree of relative leverage possible
character assessed in terms of willingness to repay as evidenced by payment history as well as tips for fraud prevention
Credit analysts
Credit managers
Credit risk managers
Risk managers
Enterprise risk managers
Chief credit officers
Senior lenders
Senior lending officer
Bank director
Chief executive officer
Board chairman
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek principal of Devon Risk Advisory Group based near Atlanta, Georgia. Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc. Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC).
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Last modified: 2022-03-14 13:55:14