Global cash flow is critical to analyzing and underwriting commercial borrowers, especially smaller, privately held firms, where the owners and the company are so closely bound together that their assets, liabilities, and income are comingled. The session will explain how to calculate the company’s free cash flow and the guarantors’ personal cash flows, and how to compare it to their existing and proposed debts by means of global debt service coverage. A case study illustrates the total process.
WHY SHOULD YOU ATTEND?
This session shows you how to identify and measure cash flows generated by the borrowing entity and its guarantors to see if the global cash flow is enough to repay their debts.
LEARNING OBJECTIVES
- Definition of global cash flow
- Identifying cash flow of borrowing entity and guarantors
- Calculating global cash flow available to pay an existing and proposed debt
- Measuring repayment ability with global debt service coverage ratio
WHO WILL BENEFIT?
- Credit analysts
- Credit managers
- Loan review officers
- Work-out officers
- Commercial lenders
- Credit Risk managers
- Chief Credit officers
- Senior lenders
- Senior lending officer
- Bank director
- Chief Executive Officers
- President
This session shows you how to identify and measure cash flows generated by the borrowing entity and its guarantors to see if the global cash flow is enough to repay their debts.
- Definition of global cash flow
- Identifying cash flow of borrowing entity and guarantors
- Calculating global cash flow available to pay an existing and proposed debt
- Measuring repayment ability with global debt service coverage ratio
- Credit analysts
- Credit managers
- Loan review officers
- Work-out officers
- Commercial lenders
- Credit Risk managers
- Chief Credit officers
- Senior lenders
- Senior lending officer
- Bank director
- Chief Executive Officers
- President
Speaker Profile

A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek principal of Devon Risk Advisory Group based near Atlanta, Georgia. Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc. Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC). PCC’s purpose is to evaluate and recommend to FASB revisions to current and proposed generally accepted accounting principles (GAAP) that are …
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