Mr.Dev Strischek

Ratio analysis helps lenders and analysts to determine a borrower’s operating performance (profitability and productivity) and financial condition (liquidity, leverage, solvency) by rendering the financial statements into ratios. This webinar focuses on well- ...

One of the most basic analytical and underwriting tools any creditor or lender must have is the ability to determine whether a borrower can repay its loans based on the financial information available. Financial organizations extend credit to borrowers if bor ...

As borrowers and lenders work their way through the business cycle, borrowers’ credit needs are likely to change, so lenders must be ready to recognize the changes and accommodate their clients’ requirements, and so credit approvers and portfolio managers must ...

Learn how to analyze key contractor accounting disclosures such as underbillings, overbillings, progress billings and the contractor job status reports Learn how to judge your contractor’s financial condition and performance compared to industry ratios and ...

The Five Cs of Commercial Credit is a framework used by lenders to assess the creditworthiness of businesses. By understanding the Five Cs of Commercial Credit, bankers can assess the risk associated with lending to a particular borrower and make informed lend ...

This session will explain these new concepts and how they affect borrowers and how lenders should incorporate these changes into their own analyses and underwriting of borrowers.   

The challenge here is to explain what we mean when we say cash flow. In recent decades bankers have seen several top contenders for the cash flow definitional sweepstakes—traditional cash flow, operating cash flow, and EBITDA. The ascendant definition has been ...

Generally accepted accounting principles (GAAP) do not change often, but when they do, we need to understand how changes in GAAP effects  borrowers’ and clients’ ability to repay.  GAAP now requires that companies capitalize their leases, and that may worsen t ...

EBITDA (Earnings before Interest, Taxes, Depreciation, and Amortization) 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. This session ...

Most bankers acknowledge that construction lending is riskier than other types of commercial lending: Repayment ability depends on successful completion of the construction before the project can generate cash flow from the sale of the finished property, fr ...