Credit Analysis & Lending Series: Deeper Cash Flow Analysis, Balance Sheet & External Factors

Date:

Sep 16, 2025

Register

Cash flow analysis is a tangled web with many interwoven tendrils.

And the circumstances change from borrower to borrower. This webinar is your chance to further develop your ability to manage complicated real-life lending situations and enhance loan performance. You’ll enjoy the in-depth analysis and the hefty toolkit!

Agenda

September 16, 2025
11:00am - 12:30pm EST

Expand your expertise in cash flow analysis with this advanced session, building on the foundation set in the August 12 program. Beyond simply calculating debt service coverage, it will focus on analyzing the borrower’s balance sheet to identify potential risks, cash generation capacity, and key red flags. Learn how external factors such as economic conditions and industry trends can impact long-term cash flow sustainability. You’ll also gain insights into stress testing cash flows and how to structure loans effectively to prevent future repayment issues. Special attention will be given to short-term and bridge loans, which, though infrequent, can present significant risks if not underwritten properly. Don’t miss this opportunity to enhance your ability to manage complex lending scenarios and improve loan performance.

Topics

AFTER THIS WEBINAR YOU’LL BE ABLE TO:

  • Use balance sheet analysis to identify repayment risks, leverage concerns, and determine the borrower’s capacity to generate cash
  • Define and evaluate key red flags that indicate deteriorating repayment capacity hidden in the balance sheet
  • Explain how external factors — such as macroeconomic trends, industry cycles, and policy shifts — affect cash flow stability and borrower risk
  • Distinguish between normal and high-risk scenarios for short-term and bridge loans, and implement prudent underwriting strategies
  • Stress test cash flows for a range of economic scenarios and structure loans accordingly to enhance repayment resilience
Speaker(s)

Robert L. Viering
RiverPointUSA LLC

Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.

Prior to becoming a consultant, Bob was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Bob held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.

Additional Information

WHO SHOULD ATTEND?

This informative session is designed for credit analysts, loan officers, and anyone wishing to update or enhance their repayment analysis skills.

 

TAKE-AWAY TOOLKIT

  • Balance sheet red flag checklist
  • Loan structure decision tree
  • External factor risk matrix
  • Sample stress testing worksheet in Excel
  • Bridge loan risk assessment form
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Fees

Live Webinar - $255

  • Unlimited connections for your institution
  • Available on desktop, mobile & tablet
  • Take-away toolkit
  • Presenter’s contact info for questions

On-Demand Webinar - $255

  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions

Live + On-Demand - $375

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact

Katie Yates
Education Coordinator
o: 317-387-9380
d: 317-333-7162
kyates@indiana.bank