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This seminar is designed to meet the needs of agricultural lenders by identifying market issues and providing the tools to assess the borrower’s ability to navigate difficult times.
In the last decade, the agriculture field has faced significant headwinds that have stressed many farmers and lenders alike.
Using the core financial statements, we will structure the analysis and borrower’s cash flow to determine the right credit structure when financing is warranted. We will also look at catching the early warning signs of deterioration and what can be done.
Learning Objectives
Understanding Credit Risk
Agriculture Market Risk
Agriculture Management Risk
Financial Statement Analysis
Crop/Animal Statements
Cash Budgets
Liquidity Management
Guarantor Analysis
Sensitivity/Stress Tests
Agriculture Cash Flow Analysis
Operational Cash Flow
Global Cash Flow
Coverage Issues
Developing the Right Credit Structure
Seasonal Lines
Term Loans
Carry Over Loans
Early Warning Signs of Deterioration
Systemic Market Issues
Management Issues
8:30 a.m. – 12:00 pm
Understanding Credit Risk
Managing Credit Risk
Credit Risk Assessment
Marketplace Factors
Management Analysis
Financial Statement Analysis
Personal Financial Statement Analysis
12:00 p.m. - 12:30 p.m.
12:30 p.m. – 4:30 p.m.
ICBA Members: $495
Non-Members: $595
Non-Banker* : $695
*Attendance may be subject to ICBA approval.
* View CPE Credit Hours in the “Who Should Attend” section.
This event is not recorded. For more information, call 800-422-7285 or email [email protected].
Upon registration you will receive an email from ICBA confirming your registration, the dates of the event and a calendar invitation for the event. Approximately 1-2 weeks prior to the event start date, you will receive an email from an ICBA representative containing detailed information including event times and the meeting link.
Who should attend: Credit analysts, credit review professionals, lenders, branch managers, and small business lenders.
Prerequisites: Basic knowledge of credit issues
Advanced Preparation: None
Program Level: Intermediate
Field of Study: Specialized Knowledge
Delivery Method: Group Live
Continuing Professional Education (CPE) Credit Hours: 8
President
Stevens Risk Management LLC
Registration, attendance, or participation at this event constitutes an agreement to adhere to the ICBA code of conduct and complaint policy. ICBA aims to be welcoming, safe, and inclusive to all participants, with the most varied and diverse backgrounds possible.
As such, The Independent Community Bankers of America (“ICBA” or the “Association”) has adopted a zero-tolerance policy toward all forms of unlawful discrimination and harassment.
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