2017 - SBA: Projecting Cash Flow - Best Practices and Evaluation Techniques

OVERVIEW
This financial management course will help attendees recognize the risks of failing to thoroughly vet the information received from a business loan applicant that project future revenues, profits and cash flows.
WHY SHOULD YOU ATTEND
Attendees will learn to track cash through a business operation, dissect the cash cycle of the operation and comply with SBA standards concerning expected cash flow attributes of loan applicants.
AREAS COVERED
• Brief case study of Banco Popular’s outcome when failing to use information on hand to test cash flow projections prepared by a third-party loan originator for several loans to same franchise
• A review discussion about how cash flows through a business and the importance of identifying the ‘cash cycle’ ahead of reviewing the financial projections
• Best practices to break down the applicant’s projection numbers and systematically review them line-by-line to look for flaws or reasoning gaps that can distort results
• Identification of some practical axioms applicable to financial forecasts that will strengthen the context of the numbers for the reviewer
WHO WILL BENEFIT
• Loan Officers
• BDOs
• Relationship Managers
• Credit Analysts
• Loan Underwriters
• Loan Processors
• Chief Credit Officers (CCOs)
• Senior Loan Officers (SLOs)
• Loan committee members and other direct lending staff
LEARNING OBJECTIVES
• Recognize the risks of failing to thoroughly vet the information received from a business loan applicant that project future revenues, profits and cash flows
• Identify the principal components that provide essential information needed to determine the viability of the operating forecasts, which play a vital role in loan decisions
• Track cash through a business operation and dissect the cash cycle of the operation, separate from the flat numbers typically offered by applicants
• Understand the role of financial projections in loan decisions and the environmental factors that can affect the validity of the numbers
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