Posts tagged with "lending"

Analyzing Corporate and Personal Tax Returns for Lenders (2-Part Webinar Series)

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Tax accounting for lenders

Small business lenders often rely on tax returns when analyzing a borrower. Tax returns can provide significant information to assess the small business borrower’s credit worthiness and repayment capacity if the lender knows what information to request and analyze. The schedules such as Schedules K, K-1, M-1 and M-2 can be confusing. Further complicating the analysis of tax returns of borrowers organized as S Corporations and LLCs; many items of income and expense flow through to the shareholders, partners and members personal tax return.

One of the more challenging aspects of lending is analyzing personal financial statements and tax returns. Assessing the borrower’s ability to convert assets to cash to pay short-term debt or honor a guaranty often requires significant adjustments to the borrower’s reported net worth. Adjusted gross income on Form 1040 bears no relationship at all to cash available to pay personal living expenses and debt service. To determine cash available, the lender must construct a personal cash flow using information contained in the personal financial statement and schedules of the tax return. Lenders recognize that the business and personal financial affairs of small business borrowers are closely intertwined necessitating the integration of business and personal cash flow to determine global cash flow.

After completing this 2-part online loan webinar, participants will be able to:

  • Compare a borrower prepared business financial statement and tax return
  • Interpret Forms 1120, 1120 S and 1065 including supporting schedules e.g. K-1
  • Determine the liquidity, solvency and marketability of a borrower’s personal net worth
  • Analyze a personal tax return and supporting schedules including partnership, S Corporation, and LLC K-1s
  • Utilize a Loan Screening Worksheet containing four key financial ratios
  • Integrate business and personal cash flow to construct global cash flow
  • Assess the adequacy and volatility of cash flows and describe the impact on loan structure including term, collateral advance rates, coverage ratios and financial leverage
  • Apply the concepts in one case study

Who Should Attend?

  • Credit Analysts
  • Commercial and Small Business Lenders
  • Branch Managers
  • Private Bankers
  • Loan Review Personnel

Pricing

$395 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt. 1) Friday, March 1, 2019

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time

(Pt. 2) Friday, March 1, 2019

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

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Key Lender Mistakes in Underwriting and Structuring Commercial Loans

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Executive management and lenders often attribute portfolio loan problems to borrower mistakes or failures in management. Unfortunately, in many instances, it is the lenders who have contributed to the borrower’s problems. This loan webinar will focus on key lender mistakes which precipitate or exacerbate portfolio loan problems.

Attendees will leave with an understanding of the following mistakes and ways to avoid them:

  • Mistake 1: Failing to Distinguish Between a Temporary Investment in Current Assets and a Permanent Investment
  • Mistake 2: Inappropriately Financing Working Capital
  • Mistake 3: Putting the Customer in the Wrong Loan Product
  • Mistake 4: Inappropriately Defining Cash Flow Available for Debt Service
  • Mistake 5: Failing to Have a Structured Approach to Determine When to Say Enough is Enough i.e. Term Out a Line of Credit
  • Mistake 6: Failing to Establish Expectations with the Customer
  • Mistake 7: Over Reliance on Collateral and Guaranties
  • Mistake 8: Multiple Exceptions/Variances to Approve a Loan
  • Mistake 9: Failing to Provide Adequate Attention to the Bank’s Good Customers

Who should attend?

  • Lenders and Underwriters
  • Credit Analysts and Administrators
  • Loan Auditors and Examiners
  • Loan Review and Special Assets Personnel
  • Bank and Credit Union Executives, Directors and Chief Lending Officers

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. This event was previously recorded.

Dates of Event

Wednesday, February 27, 2019

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide.  John is also a Consulting Associate for Capital Performance Group.

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Commercial Lending Basics (2-Part Series)

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To effectively analyze a potential or continuing lending opportunity, a lender or credit analyst must understand how a business operates, how financing needs arise in the business and what borrowers and accountants are trying to quantify with financial statements and tax returns.

This banking webinar will address the following topics:

  • How a business operates
    • Operating Cycle
    • Fixed Asset Cycle
    • Profit Cycle
    • Cash Cycle
  • How financing needs arise in a business and appropriate loan products to meet those needs
    • Line of Credit
    • Term Loan
    • Revolving Debt
    • Bridge Loan
  • Organizational structures and types of financial information presented by borrowers
    • Sole Proprietorship
    • Partnership
    • Corporation
    • Limited Liability Company (LLC)
  • Key accounting conventions underlying the presentation of the financial statements
    • Revenue Recognition
    • Inventory Valuation
    • Depreciation
    • Expense Recognition
    • Taxes

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally. Event previously recorded

Dates of Event

(Pt. 1) Tuesday, February 26, 2019

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

(Pt. 2) Tuesday, February 26, 2019

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

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Fair Lending – Compliance, Risk Mitigation, and Analysis

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Fair lending has never been more critical for financial institutions. The expectations from the regulatory agencies have increased in recent years driven by the Dodd-Frank Act, creation of the Consumer Financial Protection Bureau (CFPB), and ever, increasing enforcement action penalties, among others.

Banks and Credit Unions must have effective compliance programs that evaluate and mitigate risk, including sophisticated statistical analytics capabilities. This lending webinar will bring you up-to-date on those requirements, warning signs that may indicate noncompliance, and what you institution needs to do to minimize its risk exposure.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Wednesday, October 24, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Melissa Blaser

Senior Manager, Wipfli CPAs and Consultants

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Key Lender Mistakes in Underwriting and Structuring Commercial Loans

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Executive management and lenders often attribute portfolio loan problems to borrower mistakes or failures in management. Unfortunately, in many instances, it is the lenders who have contributed to the borrower’s problems. This loan webinar will focus on key lender mistakes which precipitate or exacerbate portfolio loan problems.

Attendees will leave with an understanding of the following mistakes and ways to avoid them:

  • Mistake 1: Failing to Distinguish Between a Temporary Investment in Current Assets and a Permanent Investment
  • Mistake 2: Inappropriately Financing Working Capital
  • Mistake 3: Putting the Customer in the Wrong Loan Product
  • Mistake 4: Inappropriately Defining Cash Flow Available for Debt Service
  • Mistake 5: Failing to Have a Structured Approach to Determine When to Say Enough is Enough i.e. Term Out a Line of Credit
  • Mistake 6: Failing to Establish Expectations with the Customer
  • Mistake 7: Over Reliance on Collateral and Guaranties
  • Mistake 8: Multiple Exceptions/Variances to Approve a Loan
  • Mistake 9: Failing to Provide Adequate Attention to the Bank’s Good Customers

Who should attend?

  • Lenders and Underwriters
  • Credit Analysts and Administrators
  • Loan Auditors and Examiners
  • Loan Review and Special Assets Personnel
  • Bank and Credit Union Executives, Directors and Chief Lending Officers

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. This event was previously recorded.

Dates of Event

Tuesday, October 23, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide.  John is also a Consulting Associate for Capital Performance Group.

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Construction Lending Fundamentals

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What every commercial lender should know about construction lending so new loan opportunities are not missed. This webinar will provide the basics so you will be prepared to discuss construction loans and understand the process. 

Important Takeaways for attendees:

  • Why dealing with experienced developers is so important.
  • Understanding the real repayment source and the obstacles to timely repayment.
  • Develop an understanding of Project Analysis including, land use, construction budgets, and disbursements and controls.
  • Exposure to basic documentation.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, October 11, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Robert Dyck

PrincipalRobert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

About the Speaker

Robert Dyck has been a banking executive in Southern California for 36 years. For the last 12 years he served as Executive Vice President and Chief Credit Officer of PacWest Bancorp and its banking subsidiary Pacific Western Bank. During this time he managed the acquisition and merger of 20 bank loan portfolios and the blending of 20 different credit cultures. He started his career as a commercial loan officer. In addition, he has held positions that included managing credit training programs, directing loan review departments and he served as a senior credit administrator in several community and regional banks,

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The 5 Cs of Credit for Borrower Evaluation

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How the 5 C’s (capacity, conditions, capital, collateral, and character) are used to evaluate borrowers

The five Cs of commercial credit—character, capacity, capital, conditions and collateral—have comprised five basic elements of credit and lending. Most bankers know these basic principles, but this webinar offers a practical framework for their use in credit analysis and underwriting by showing how they are linked–how character emphasizes willingness to repay while the other four deal with ability to repay.

Please join Dev Strischek for this loan webinar as he explains how credit analysts can use the five Cs of credit to assess repayment ability and assist underwriters and lenders in the credit adjudication process. This class is aimed at both people new to financial organizations as well as an enjoyable refresher to more experienced bankers.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Wednesday, August 22, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Dev Strischek

Principal, Devon Risk Advisory Group

About the Speaker

As the Principal for Devon Risk Advisory Group, Dev Strischek brings years of senior experience in financial services to his clients around the areas of risk policy, risk culture, and portfolio risk management. Dev also serves as a Member of the Private Company Council for FASB. Prior to those roles, Dev served for 18 years at SunTrust Bank, retiring as their Sr Vice President and Senior Credit Policy Officer for the bank. Dev is a frequent industry speaker on many aspects associated with credit risk and compliance, as well as loan policy best practices. He has also authored many industry trade articles on principles and practices, problems and issues relevant to risks that financial organizations must manage.

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Loan Review Best Practices

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Loan portfolios are improving, and we are putting the financial crisis behind us as credit quality approaches pre-crisis levels. Loan growth is on most agendas, but there may be too many financial institutions pursuing a limited number of opportunities. In this environment, it is important to be razor-focused on managing and monitoring portfolios to continue the recovery.

Over the post-financial crisis years, Wipfli has helped banks to hone their credit practices, and this loan training will cover policies and procedures found to be ‘best practices’. The presenters will also challenge you with current regulatory and industry issues that your institution should be addressing.

In this lending webinar, we will cover:   

  • What drives effective portfolio management.
  • Underwriting keystones.
  • Administrative practices worth the effort.
  • Honing of your real estate valuation program.
  • Current regulatory and industry issues.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally.

Dates of Event

Thursday, August 16, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker(s)

About the Speakers

Eric Van Doren is a member of Wipfli LLP’s risk management team, with over 25 years of experience in the commercial banking industry. He works with financial institutions to provide customer-focused risk management services. Eric classifies loans using the financial institution’s risk rating system and identifies credit risk and trends within the institution’s portfolio.

Cynthia Brzeski brings more than 30 years of banking and credit experience to each loan review engagement for the financial institutions practice of Wipfli LLP. Prior to joining Wipfli, she spent six years as a senior credit officer with a regional bank, with responsibility for credit underwriting and approval, portfolio management, and compliance. With additional experience in commercial credit, credit administration management, workout, compliance, and internal audit, Cynthia is able to provide insight and expertise to her financial institution clients.

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Commercial Lending Basics (2-Part Series)

Register Now

To effectively analyze a potential or continuing lending opportunity, a lender or credit analyst must understand how a business operates, how financing needs arise in the business and what borrowers and accountants are trying to quantify with financial statements and tax returns.

This banking webinar will address the following topics:

  • How a business operates
    • Operating Cycle
    • Fixed Asset Cycle
    • Profit Cycle
    • Cash Cycle
  • How financing needs arise in a business and appropriate loan products to meet those needs
    • Line of Credit
    • Term Loan
    • Revolving Debt
    • Bridge Loan
  • Organizational structures and types of financial information presented by borrowers
    • Sole Proprietorship
    • Partnership
    • Corporation
    • Limited Liability Company (LLC)
  • Key accounting conventions underlying the presentation of the financial statements
    • Revenue Recognition
    • Inventory Valuation
    • Depreciation
    • Expense Recognition
    • Taxes

Pricing

$395 for Live and Playback*
*Playback has no expiration and may be shared internally. Event previously recorded

Dates of Event

(Pt. 1) Wednesday, August 8, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

(Pt. 2) Wednesday, August 8, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

Register Now Pay by Check

Construction Lending Fundamentals

Register Now

What every commercial lender should know about construction lending so new loan opportunities are not missed. This webinar will provide the basics so you will be prepared to discuss construction loans and understand the process. 

Important Takeaways for attendees:

  • Why dealing with experienced developers is so important.
  • Understanding the real repayment source and the obstacles to timely repayment.
  • Develop an understanding of Project Analysis including, land use, construction budgets, and disbursements and controls.
  • Exposure to basic documentation.

Pricing

$249 for Live and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Tuesday, April 24, 2018

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Robert Dyck

PrincipalRobert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

About the Speaker

Robert Dyck has been a banking executive in Southern California for 36 years. For the last 12 years he served as Executive Vice President and Chief Credit Officer of PacWest Bancorp and its banking subsidiary Pacific Western Bank. During this time he managed the acquisition and merger of 20 bank loan portfolios and the blending of 20 different credit cultures. He started his career as a commercial loan officer. In addition, he has held positions that included managing credit training programs, directing loan review departments and he served as a senior credit administrator in several community and regional banks,

Register Now Pay by Check