Duration: 65 minutes
As credit unions attract larger, more complex loan requests, and as portfolios grow – using more precise techniques for cash flow analysis is imperative.
Credit unions have traditionally relied on the earnings before interest, taxes, depreciation, and amortization (EBITDA) formula to determine the adequacy of cash flow. However, examiners and auditors are now asking about alternative cash flow methods such as UCA, direct, and indirect cash flow.
This webinar will enhance your analysis and help you better understand a borrower’s cash flow and repayment ability on owner-occupied real estate and commercial and industrial loans.
In this session from June 23, 2022, we explain when to use the different methods and formulas, what each formulas really tells us about ability to repay loans, and the specific financial information needed to calculate cash flow accurately. Learn how to better understand the cash flow and repayment ability for owner-occupied real estate and commercial and industrial loans.
In this session, we review:
– Cash flow methods including EBITDA, UCA, indirect, and direct
– When and how to use each method and formula
– What each method really says about the borrower’s ability to repay loans
– The specific financial information needed to calculate cash flow accurately
Purchase Terms & Conditions
After the order is approved, you’ll receive an email with links to download the education materials. After you download, you will be able to save the files to your shared network and use the training for your credit union going forward.