Basic Cash Flow 2016 - Basic Cash Flow - By Compliance Global Inc

Overview:
This webinar will examine business cash flow, the ways in which to calculate it, and its importance in the credit risk analysis process. Participants will learn how to calculate cash flow from information contained in the Profit and Loss Statements of Businesses and the tax returns that a business generates. In addition to calculating simple cash flow which relies on Profit and Loss Statement information, participants in this webinar will look beyond the P & L to the balance sheet of businesses and the ways in which changes in the components of the balance sheet impact the cash flow of a business and its ability to service debt.
Adequate Cash flow is necessary for any business to survive. A business with inadequate cash flow will likely not be able to pay its bills, including those to its lenders. As a result of attending this webinar, participants will gain a better understanding of businesses that will generate enough cash flow to service their debts as compared to those that will not.
Why Should You Attend:
Many lenders to businesses are not certain about lending money because they fear failure and want to minimize risk. Although minimizing risk is part of the lending process, proactive lending requires certainty on the part of the lender that the decisions that they make will not result in bad credit loans. One of the purposes of this webinar is to build confidence and knowledge so that lenders can make better decisions.
Any lender who wants to build his (her) portfolio while minimizing risk will benefit from attending this webinar.
Areas Covered in this Webinar:
Determining the ability of a business entity to generate cash flow is essential whenever the repayment of a loan is considered. Cash flow analysis measures the ability of a business to generate sufficient cash to operate the business and have enough excess cash to service its annual debt service requirements. Understanding how to calculate and interpret cash flow is essential for successful financial institution employees who want to be able to answer the question of repayment ability.
This webinar is designed to assist financial institution employees in calculating cash flow utilizing a number of different methods. The webinar will initially define cash flow and identify typical sources and uses of cash of a business.
Comparison of the Traditional Cash Flow Method (Net Income + Depreciation + Interest divided by Annual Debt Service) to determine a Debt Service Coverage Ratio (DSCR)
Ways in which changes on the balance sheet income statement of a business can positively (or negatively) affect the cash flow of a business.
Upon completion of this webinar, the participants will have a better understanding of how cash flow is calculated and more importantly, how to interpret its meaning.
Learning Objectives:
Understand the ways in which to calculate simple cash flow
Recognize the types of businesses for which this calculation is appropriate
Learn about the balance sheet and the common items in a balance Sheet which impact cash flow
Who Will Benefit:
The following individuals or disciplines will benefit from attending this Webinar:
Relationship Managers
Credit Analysts
Commercial Loan Officers
Members of Loan Committees
Loan Review Personnel
For more information, please visit : https://complianceglobal.us/product/700247/Vincent...
Email: support-AT-complianceglobal.us
Toll Free: +1-844-746-4244
Tel: +1-516-900-5515
Level:
Beginner
Speaker Profile:
Vincent DiCara has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for over thirty years as a business advocate, lender, credit analyst and trainer. Since 1995, he has been providing expert training for lending professionals throughout the country who work in the public, private non-profit, and private sectors. Mr. DiCara’s training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.
Mr. DiCara was an owner and founder of Development Finance Training and Consulting, Inc. which he established in 2003. Upon leaving DFTC in early 2013, Mr. DiCara established DiCara Training and Consulting, LLC where he continues to provide the highest quality services to his clients in the banking, credit union, and economic development sectors.
In addition to his experience as a financial trainer, Mr. DiCara also provides consulting services to banks, credit unions, economic development organizations and other lenders who require assistance in developing, implementing, monitoring, and reviewing their loan practices and portfolios. He has conducted a number of loan reviews for small-to-medium sized lending institutions who have small business loan clients. Mr. DiCara also serves as a loan practitioner and on a consulting basis provides commercial loan officer services to the Greater Portland Council of Governments (GPCOG), the Portland (ME.) Development Corporation (PDC), and the Kennebec Valley Council of Governments (KVCOG). His specific responsibilities include loan underwriting, liaison to financial institutions, and the structuring of complex financing packages that utilize multiple sources of funds from the private and public sectors.
Mr. DiCara is a graduate of Bowdoin College in Brunswick, Maine and received a Masters Degree in Public Administration from the University of Maine. A native of Boston, Massachusetts, he has been a resident of the State of Maine for more than forty years, where he resides in the Town of Brunswick with his wife of thirty-seven years. He belongs to a number of professional associations and has earned the designation of Economic Development Finance Professional (EDFP) from the National Development Council.