Posts tagged with "business lending"

Fixing Small Business Loans

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Small Business Loan

Lending to small business is expensive because of origination, underwriting, capital, and many related costs. Most banks lose money when they make a business loan below $250K. In some cases banks avoid making small loans, missing out on a relationship opportunity and providing an inroad for Fintech lenders. Other banks either do not understand their loan economics or accept their losses, relying on deposits and the sale of other services for relationship profitability, a risky approach.

This banking webinar focuses on highlighting the small loan problem and providing specific and practical near-term steps banks can take to turn losses into profits. As will be discussed, the solution involves addressing organizational issues, pricing opportunities, revisiting risk criteria, and, potentially, implementing selected technology.


$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. 

Dates of Event

Tuesday, January 29, 2019

  • 2:00 – 3:00 pm (Eastern Time)
  • 1:00 – 2:00 pm (Central Time)
  • 12:00 – 1:00 pm (Mountain Time)
  • 11:00 – 12:00 pm (Pacific Time)


  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Charles Wendel
Financial Institutions Consulting

About the Speaker

Charles Wendel, the President of Financial Institutions Consulting (FIC), had extensive practical experience as a bank lender, relationship manager, and workout specialist before becoming a management consultant. Prior to founding FIC over 20 years ago, he was a Partner at Mercer Consulting and an Engagement Manager with McKinsey & Co., Inc.

Charles has consulted to money center and regional banks, insurers, and diversified financial services companies, both in the U.S. and 15 other countries.

Charles earned an M.B.A. in Finance and Marketing from Columbia University in addition to an M.A. and M.Phil. in English; he received his undergraduate degree from New York University.

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Analyzing Corporate and Personal Tax Returns for Lenders (2-Part Webinar Series)

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Tax accounting for lenders

Small business lenders often rely on tax returns when analyzing a borrower. Tax returns can provide significant information to assess the small business borrower’s credit worthiness and repayment capacity if the lender knows what information to request and analyze. The schedules such as Schedules K, K-1, M-1 and M-2 can be confusing. Further complicating the analysis of tax returns of borrowers organized as S Corporations and LLCs; many items of income and expense flow through to the shareholders, partners and members personal tax return.

One of the more challenging aspects of lending is analyzing personal financial statements and tax returns. Assessing the borrower’s ability to convert assets to cash to pay short-term debt or honor a guaranty often requires significant adjustments to the borrower’s reported net worth. Adjusted gross income on Form 1040 bears no relationship at all to cash available to pay personal living expenses and debt service. To determine cash available, the lender must construct a personal cash flow using information contained in the personal financial statement and schedules of the tax return. Lenders recognize that the business and personal financial affairs of small business borrowers are closely intertwined necessitating the integration of business and personal cash flow to determine global cash flow.

After completing this 2-part online loan webinar, participants will be able to:

  • Compare a borrower prepared business financial statement and tax return
  • Interpret Forms 1120, 1120 S and 1065 including supporting schedules e.g. K-1
  • Determine the liquidity, solvency and marketability of a borrower’s personal net worth
  • Analyze a personal tax return and supporting schedules including partnership, S Corporation, and LLC K-1s
  • Utilize a Loan Screening Worksheet containing four key financial ratios
  • Integrate business and personal cash flow to construct global cash flow
  • Assess the adequacy and volatility of cash flows and describe the impact on loan structure including term, collateral advance rates, coverage ratios and financial leverage
  • Apply the concepts in one case study

Who Should Attend?

  • Credit Analysts
  • Commercial and Small Business Lenders
  • Branch Managers
  • Private Bankers
  • Loan Review Personnel


$395 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt. 1) Thursday, November 8, 2018

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time

(Pt. 2) Thursday, November 8, 2018

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)


  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

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