Global cash flow analysis is central to underwriting commercial borrowers, especially small, privately held companies where the owners' and the company's assets, liabilities and income are mixed together.
This 60-minute webinar defines global cash flow and shows how to identify the cash flows of the borrowing entity and its guarantors. You'll learn to calculate the company's free cash flow and the guarantors' personal cash flow, then compare the total with existing and proposed debt using the global debt service coverage ratio. A case study walks through the complete process.
WHY SHOULD YOU ATTEND?
When a business and its owners are financially intertwined, looking at the company alone can hide repayment risk. This session shows you how to measure whether combined cash flow is enough to cover all debts.
It suits credit analysts and managers, loan review and work-out officers, commercial and senior lenders, credit risk managers, chief credit officers, bank directors and executives.
AREA COVERED
- Definition of global cash flow
- Identifying the cash flow of the borrowing entity and guarantors
- Calculating the company's free cash flow
- Calculating guarantors' personal cash flow
- Global cash flow available to pay existing and proposed debt
- Measuring repayment ability with the global debt service coverage ratio
- A case study of the full process
LEARNING OBJECTIVES
- Define global cash flow and when to use it
- Identify cash flow from the borrowing entity and its guarantors
- Calculate global cash flow available for existing and proposed debt
- Measure repayment ability with the 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
When a business and its owners are financially intertwined, looking at the company alone can hide repayment risk. This session shows you how to measure whether combined cash flow is enough to cover all debts.
It suits credit analysts and managers, loan review and work-out officers, commercial and senior lenders, credit risk managers, chief credit officers, bank directors and executives.
- Definition of global cash flow
- Identifying the cash flow of the borrowing entity and guarantors
- Calculating the company's free cash flow
- Calculating guarantors' personal cash flow
- Global cash flow available to pay existing and proposed debt
- Measuring repayment ability with the global debt service coverage ratio
- A case study of the full process
- Define global cash flow and when to use it
- Identify cash flow from the borrowing entity and its guarantors
- Calculate global cash flow available for existing and proposed debt
- Measure repayment ability with the 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
