Cash Flow II

Past Event

ADVANCED CASH ANALYSIS IN THE BALANCE SHEET & INCOME STATEMENT

This is a foundational cash flow class being offered by RMA-MN that sets the stage on continued learning. We highly recommend Credit Analysts, Underwriters and Commercial Bankers of all levels take this course.

Advanced Cash Analysis in the Balance Sheet and Income Statement focuses on the analysis of the UCA Cash Flow Statement and beyond.

A good banker understands that today’s loan is repaid with tomorrows cash. They also know that a self-liquidating asset is required to repay the debt that is provided. This requires an understanding beyond a simple traditional assessment. They must understand where the cash is piling up on the balance sheet, recognize how much cash can be squeezed out, when the cash can be re-captured as well as how all the linkages between the income statement and balance sheet will impact the repayment. You must go beyond the numbers and understand the events that will impact your borrower. This requires an understanding of how your borrowers are stewarding the cash of the company, where it is going, how they are getting it back. This course builds on the mechanics of the core cash drivers to build and ask the right questions of the borrower.

Advanced Cash Flow Analysis takes a deeper dive into deficit analysis, sensitivity analysis, managing the sustainable growth level of a firm as well as providing the tools to effectively set the right line of credit and term loan facilities. Lastly, we uncover the pitfalls within a firm that will create repayment difficulty.

Attendees will also be able to effectively use the tools presented to formulate the right structure for the debt being requested, increasing the probability of successful repayment as well as a satisfied client.

THIS COURSE WILL COVER:

• Banker Cash Flow vs Borrower Definition
• Core Cash Drivers of Every Company
• Deficit Analysis, Sensitivity Analysis, Coverage Analysis, Sustainable Growth and its impact on Cash flow
• Advantages and limitations of Traditional and UCA Cash Flow
• Using Cash Flow Assessment as a basis for structuring both long term and revolving debt facilities
• Recognizing the pitfalls that could jeopardize repayment
• Provide a structure to effectively set the right loan amount to mitigate the risk to both the borrower and the bank.

ITEMS TO BRING: Pen/Pencil, calculator and a fully charged laptop (Outlet may not be available).

PRESENTER: Brad Stevens is the founder of Stevens Risk Management, LLC which specializes in credit training and consulting for both the finance and manufacturing industry. He has over 30 years of experience in banking ranging from building strong credit portfolios as a banker, leading both lending and credit departments, as well as navigating banks through tough credit times. Brad brings a unique hands-on experience to his training sharing real world examples that resonate with those in attendance at presentations.

REGISTRATION FEE: (includes Jimmy Johns boxed lunch and bottled water)
(Registration fee for this event includes a 5% processing fee.)

• $315 - Minnesota Chapter Affiliate Rate
• $395 - Non-Affiliate Rate

An Affiliate of the Minnesota Chapter is an individual who has paid the local chapter fee for the 2023/2024 term (9/1/23 - 8/31/24). National Membership does not qualify for affiliate benefits at MN Chapter events.

Not an affiliate? Click HERE for information and application for Chapter Affiliation.
If you are unsure of your affiliation status with the MN Chapter, contact the Chapter Administrator.

A minimum of 6 participants is required in order to host this course.

CERTIFICATE OF ACHIEVEMENT: Survey participation is required to receive a certificate of completion for this course. Please take the time to complete two short surveys; one will be sent immediately after, and a second survey will be sent 30 days post-event.

Cancelation Policy

Cancellations (and no-shows) will not be refunded unless the instructor cancels the course.

If participant is unable to attend, the registration fee can be applied to a future RMA-Minnesota/Local course (prior to 8/31/24) – must notify the chapter administrator notice 4 business days prior to course date. Substitution is allowed, however any difference in the applicable registration fee will be requested based on replacement’s current affiliation status.