Cash Flow II: Advanced Cash Analysis in the Balance Sheet & Income Statement

Event Details

CASH FLOW II
Advanced Cash Analysis in the Balance Sheet & Income Statement

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

This course will focus on the analysis of the UCA Cash Flow Statement and beyond.

A good banker understands that today’s loan is repaid with tomorrow’s cash. They also know that a self-liquidating asset is required to repay the provided debt. 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 and 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, and 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 and 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 requested debt, 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.
• Providing a structure to effectively set the right loan amount to mitigate the risk to both the borrower and the bank.

PRESENTER: Brad Stevens is the principal at Stevens Risk Management, LLC. He is a recognized premier credit trainer nationwide serving the banking industry in all fifty states. Brad has been leading the credit industry as an analyst, commercial banker, Senior Credit Officer, nationwide trainer and consultant for over 35 years. During his banking career, he worked with community banks, regional banks and a large national bank building strong credit portfolios at each stop he made. As a Senior Credit Officer, his expertise was in turning around banks that had fallen into significant credit distress. He worked to turn around the banks by instilling a clear credit culture, strong credit policies, training programs, as well as setting up a workout staff to manage the worst of the credits. He is a firm believer in making banking better and the training philosophy of Bankers Training Bankers.

Brad has an MBA in Finance from the University of St. Thomas and is a graduate of the Graduate School of Banking at the University of Wisconsin, Madison. He is graduate of the Oklahoma Commercial Banking School. For more information, please visit Stevens Risk Management LLC or, contact Brad at Brad.Stevens@SRMALLC.net.

ITEMS TO BRING: Pen/Pencil, calculator and a fully charged laptop (outlet may not be available).
(Your registration fee includes a box lunch and bottled water.)

If this course does not reach minimum attendance, the event will be cancelled and a full refund issued.

CERTIFICATE OF ACHIEVEMENT: Completion of two surveys is required to receive a certificate of completion for this course. One will be handed out in person on the day of course, and the second one will be sent via Survey Monkey, approximately 30 days post-event.

QUESTIONS? Email Brenda Ryan, RMA MN Chapter Administrator

Contact For More Information

Brenda Ryan
RMA Minnesota Chapter Administrator

RMAmn@outlook.com / 763-486-7219

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 8/31/26), but 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.