Learn how and when to use global cash flow
Course Overview
Global Cash Flow provides financial professionals like you with a commercial lending risk assessment tool to 1) estimate the probability of loan repayment from a business and its owners as borrowers or guarantors and 2) make an informed credit decision by combining the information in the business and personal cash flow statements to determine whether the combined global cash flow is sufficient to service the debt of the business, its owners, and its guarantors.
Learning how to use the global cash flow (GCF) tool will require you to know the components of GCF, the resources needed to construct a GCF, and to differentiate book income from cash flow in judging repayment ability.
Global Cash Flow includes large and small group activities (based on a case study) that are woven through the course and poses questions to enhance your understanding of global cash flow and its impact on the case company. You will learn by practice, which in turn increases retention. Further, practice facilitates your ability to apply the course’s content when you return to your job.
Who will benefit?
Practicing commercial loan officers and other lending or credit professionals who lend to private clients, small businesses, and closely held corporations who need to increase their understanding of borrowing situations created through contingent liabilities of the owner and their business interests, and its impact on loan repayment will benefit from this course.
You will:
- Estimate the probability of loan repayment from a business and its owner(s) as borrowers or guarantors.
- Make an informed credit decision by combining the information in the business and personal cash flow statements to determine whether the global cash flow is adequate to service the debt of the business, its owners, and its guarantors.
- Identify the issues or risks in small business/self-employed, private client, and closely held business lending and ways to analyze and assess these risks.
- Analyze the interdependence of the entities.
- Distinguish income from cash flow (including balance sheet changes).
- Use global cash flow analysis to determine appropriate loan structure elements.
Prerequisites
Participants should have completed RMA's Analyzing Personal Financial Statements and Tax Returns and Analyzing Business Tax Returns, or have a basic knowledge of personal tax returns, cash flow, and business financial statements and related ratios and cash flow.
All scheduled dates for this event are listed below. If there are no dates listed we do not currently have this event scheduled.
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