Agenda

8:45 a.m.                   Log In and Registration
9:00 a.m.                   Program Begins
12:00 Noon               Lunch 
1:00 p.m.                   Program Resumes
4:00 p.m.                   Program Adjourns

Topics

• Review of basic financial statement analysis and ratios, with an emphasis on themes and flow of the written analysis
• How the accountant-prepared statement of cash flow (SCF) is constructed
• Overview of Uniform Credit Analysis (UCA) cash flow model and how it is derived from financial statements or tax returns
• Analytical conclusions that can be made from the SCF or the UCA model, including five key cash flow relationships, plus a brief review of how CRE cash flow differs and involves a projection component
• How to assess repayment ability and collateral with operating lines of credit
• How to assess industry, market and management risks and their effect on financial results and your risk rating for the borrower, plus similar, non-financial risks for CRE lending
• Introduction to the concept of sustainable growth rate (SGR)
• Introduction to the concept of sales break-even point (BE)
• How to use SGR and BE to identify key variables and expedite the computerized financial statement projection process
• Tips for writing up your projections and other analytical conclusions

Speaker

Richard Hamm has been training bankers for over 28 years, specializing in all phases of commercial lending and credit, including portfolio & risk management, commercial real estate and appraisals, plus selling & negotiating skills. His training work includes our top industry associations (the ABA & RMA), regional banking schools (Barret School of Banking - Memphis, Graduate School of Banking - Wisconsin, Southwestern Graduate School of Banking - Dallas, and Graduate School of Banking at Colorado), numerous statewide banking and community banking associations, plus individual banks. 

On the consulting side, he has been involved in director training, loan policy formation, bank formation (start-ups & acquisitions) and related strategic planning.  The RMA Journal has published over 20 articles by Hamm on various lending topics, and he has served for many years on its Editorial Advisory Board.  He is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 12 years, after a 22-year banking career including senior positions in lending and credit.  He has BS & MBA degrees from the University of Alabama, and holds the CTP (Certified Treasury Professional) designation.

Fees

$425 IBA Members

Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or non-member rates. Surcharge of 100% for Non-Members.

location

While we may not be able to get together "in person" for this event as originally planned given the circumstances, we know that education/training to stay current and be the best banker you can be is important. That's why we're committed to providing this two-day course and we're taking it online via webinar technology. Same instructor with the same content, but you'll have the ability to join from wherever you're located from the convenience (and safety) of your computer. We look forward to seeing you online! 

You will receive your manual 4-5 days in advance should you want to print this to have during training. At this time, you will also receive log in instructions. This is a completely LIVE virtual training where you will be able to ask questions directly to the speaker.

We will be beginning live courses again in 2021. TBD whether this will be an event that can be offered live & virtual. 

Association Contact

For more information please contact Elizabeth DeHaven via e-mail at edehaven@indiana.bank or call 317-387-9380.