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Repaying Loans: Cashflow, Collateral and Personal Guarantees
- Cashflow: How to Calculate it
- Debt Service Coverage Ratios/ How to Calculate Them
- Valuing Collateral
- Personal Financial Statements and their relationship to personal guarantees
Overview of the webinar
Attendees of this program will learn about the three ways in which loans get repaid. The importance of Cashflow will be emphasized but attention will also be paid to the value of the collateral as well as the importance of personal guarantees in the lending process to businesses. Lenders at all levels will benefit from this program. The result of attending this program will be a better understanding of how to calculate cashflow, value collateral and measure the worth of personal guarantees. A variety of commonly used ratios and calculations will be employed in this program to better understand the strengths and weaknesses of the three means of repaying business loans.
Who should attend?
- Business Development Officers
- Branch Managers
- Loan Officers
- Commercial Lenders
Why should you attend?
This webinar will explore the ways in which a lender should expect to get paid after lending money to a business. First and foremost, anyone who lends money to a business wishes to get repaid. This webinar will address the benefits and risks associated with three ways of repayment; Cashflow, collateral, and personal guarantees. This webinar will educate the attendees on how to make better credit decisions and lend money more prudently.
Faculty - Mr.Vincent Dicara
Vincent DiCara has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for over thirty-five years as a business advocate, lender, credit analyst and trainer. Since 1995, he has been providing expert training for lending professionals throughout the country who work in the public, private non-profit, and private sectors. Mr. DiCara was an owner and founder of Development Finance Training and Consulting, Inc. (DFTC) which he established in 2003. Upon leaving DFTC in early 2013, Mr. DiCara established DiCara Training and Consulting, LLC where he continues to provide the highest quality services to his clients in the banking, credit union, and economic development sectors. Mr. DiCara has developed a number of partnerships with organizations whose missions include training and education. He is a co-creator and faculty member of the Credit Union National Association’s (CUNA) Business Lending Certification Institute. He has also established relationships with chapters of the Center for Financial Training (CFT) and state banking associations throughout the country. Mr. DiCara also served as a faculty member of the Neighborhood Reinvestment Corporation for sixteen years and developed a number of courses that he has taught for that organization. In addition to his experience as a financial trainer, Mr. DiCara also provides consulting services to banks, credit unions, economic development organizations and other lenders who require assistance in developing, implementing, monitoring and reviewing their loan practices and portfolios. He has conducted a number of loan reviews for small-to-medium sized lending institutions who have small business loan clients. Mr. DiCara also serves as a loan practitioner and on a consulting basis provided commercial loan officer services to the Greater Portland Council of Governments (GPCOG) from 2002 to 2018. He currently provides commercial loan services to the Portland (ME.) Development Corporation (PDC), and the Kennebec Valley Council of Governments (KVCOG). His specific responsibilities with those organizations include loan underwriting, liaison to financial institutions, and the structuring of complex financing packages that utilize multiple sources of funds from the private and public sectors.