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Why EBITDA Doesn’t Spell Cash Flow and What Does
EBITDA is a popular measure of cash flow, but it is not accurate, and bankers and investors who rely on it as a reliable indicator of repayment ability will be deeply disappointed. The session includes several examples and a case study to illustrate why EBITD ...
- Basic & Intermediate
- 60 Mins
- Dev Strischek
- Feb 09, 2023
Form W-9 Compliance to Avoid Penalties: TIN Verification, B Notices and Backup Withholding
Issuers of 1099 Forms can adopt best practices and procedures that streamline the year-end process and provide assurance that 1099s are correct, at least so far as vendor names and tax ID numbers (TINs) are concerned. While certain errors in reporting dollar a ...
- Basic & Intermediate
- 90 Mins
- Patrick A. Hagg
- Feb 21, 2023
Fair Housing Guidance for Condominium, Cooperative, and Homeowner Associations
An association may have the right to approve or reject new residents and establish association policies and procedures, but it may not discriminate because of a protected characteristic while doing so.
- Basic & Intermediate
- 60 Mins
- Paul Flogstad
- Feb 22, 2023
Evaluating, Underwriting, and Making Commercial Loans
The 3-part series will explain how a banker evaluates a borrower’s cash flow, collateral, and guarantees to determine a borrower’s ability to repay a loan. A case study links together the 3 parts.
- Basic & Intermediate
- 3 Hours
- Dev Strischek
- Feb 23, 2023
Collections Law
The Fair Debt Collections Practices Act was enacted to protect consumers against overly-aggressive debt collectors. While it does not apply to debts owed by one business to another, the due diligence you must follow is applicable no matter who owes you money. ...
- Basic & Intermediate
- 90 Mins
- Scott Transue
- Feb 24, 2023
Commercial Loan Documentation
This webinar will expose participants to five steps in the loan documentation process, which includes: Identifying the Borrower Identifying and Documenting the Collateral Evidencing the Debt Attaching the Collateral Perfecting the Security Interest ...
- Basic & Intermediate
- 90 Mins
- David Sawyer
- Feb 27, 2023
Accounts Payables Internal Controls Best Practices in a Paperless Environment
We operate in a paperless environment. Internal controls are more critical in a paperless environment. During COVID-19 companies have deployed employees in remote locations. This “work from anywhere” WFA environment makes internal controls more difficult as ev ...
- Basic & Intermediate
- 60 Mins
- Carl Young
- Feb 28, 2023
Financial Projections for Determining Long-Term Cash Flow Repayment Ability
The session will explain the importance of revenues in projecting financial statements and cash flow. Then the session will show participants how to project the income statement, balance sheet, and cash flow to calculate the loan amount needed to support proj ...
- Basic & Intermediate
- 60 Mins
- Dev Strischek
- Mar 06, 2023
Writing an Effective Credit Memo
This webinar will expose participants to process and a detailed outline that will enable you to write an effective credit memo. The learning objectives are: To make you a better banker To understand the importance of good written communication To improve ...
- Basic & Intermediate
- 60 Mins
- David Sawyer
- Mar 13, 2023
Advanced Commercial Banking & Lending: How to Evaluate Financial Performance,Forecast Repayment Ability,Improve Shareholder Value
Banking commercial borrowers require lenders to evaluate both repayment ability, and, in turn, necessitates analyzing both the short-term and long-term potential of borrowers. Enough positive cash flow to repay creditors and reward owners comes from solid fin ...
- Basic & Intermediate
- 3 Hours
- Dev Strischek
- Mar 21, 2023