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Estimating Seasonal Borrowing Needs and Ability to Repay

Instructor: Dev Strischek

Date: Friday June 13, 2025

Time:

10:00 AM PDT | 01:00 PM EDT

Duration: 60 Minutes

Webinar Id: 606561

Price Details

Live Webinar

$150. One Attendee

$290. Unlimited Attendees

Recorded Webinar

$190. One Attendee

$390. Unlimited Attendees

Combo Offers (Live + Recorded)

$289 ~~$340~~ One Attendee

$599 ~~$680~~ Unlimited Attendees

Refund Policy

Unlimited Attendees: Any number of participants

Recorded Version: Unlimited viewing for 6 months (Access information will be emailed 24 hours after the completion of live webinar)

Overview:

One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay its short-term borrowings based on the financial information available

First, the session will explain the interrelationships among revenue projections, the expenses needed to support seasonal sales growth as well as the working capital assets, fixed assets, and liabilities necessary to support revenue growth. Second, the session will offer tips on how to analyzing underlying assumptions such as profitability, productivity, efficiency, and earnings retention.

Join Dev Strischek in this critical lending webinar as he shows how to use a borrower’s historic financials to project monthly balance sheet, income statement, and cash flows over the borrower’s fiscal year and seasonal expansion and contraction.

Why you should Attend:

Learn how seasonal revenue projection determines income statement and income statement determines balance sheet
Learn critical role of working capital assets, capital expenditures and retained earnings in supporting projection
Learn how to generate 12-month cash flow projection with balance sheet and income statement
Learn how to estimate size of line of credit needed to realize financial projections
Learn how to underwrite line of credit needed to fit their lending organization’s policies
Learn how to support loan with appropriate collateral and guarantees

Areas Covered in the Session:

Critical role of revenues in projecting financial statements and cash flow
Projection of income statement, balance sheet and cash flow to calculate loan needed to support projection and ability of the borrower to repay in full
Evaluation of underlying assumptions including the feasibility of seasonal revenue growth rate, profitability, productivity, efficiency, earning retention, and leverage
Calculation of loan amount needed to support financial projection and borrower’s repayment ability
Analysis of asset collateral base available to support repayment

Who Will Benefit:

Credit Analysts and Underriters
Commercial Lenders
Business Bankers
Credit Approvers
Credit Managers
Commercial Banking Managers
Loan Review Officers
Loan Workout Officers

Speaker Profile

Dev Strischek A frequent speaker, instructor, advisor, and writer on credit risk and commercial banking topics and issues, Dev is principal of Devon Risk Advisory Group and engages in consulting, speaking and training on a wide range of risk, credit, and lending topics. As former SVP and senior credit policy officer at SunTrust Bank, Atlanta, he was responsible for developing, implementing, and administering credit policies for SunTrust's wholesale lines of business--commercial, commercial real estate, corporate investment banking, capital markets, business banking, and private wealth management. He also spent three years as managing director and credit approver in SunTrust's Florida commercial lending and corporate investment banking areas, respectively. Prior to SunTrust, Dev was chief credit officer for Barnett Bank's Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, Dev's experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor in Hawaii, Missouri, and Florida. A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, he earned his M.B.A. from the University of Hawaii.

Dev serves as an instructor in the ABA’s Stonier Graduate School of Banking, the Southwestern Graduate School of Banking, the Pacific Coast Banking School, and the American Bankers Association's (ABA) Commercial Lending. His school, conference, and workshop audiences have included participants drawn from the ABA, RMA, OCC, Federal Reserve, FDIC, FFIEC, SBA, the Institute of Management Accountants (IMA) and the AICPA.

Dev has written about credit risk management, financial analysis and related subjects for the ABA's Commercial Insights, the Risk Management Association's RMA Journal, and other business professional journals. He is the author of Analyzing Construction Contractors and its related RMA workshop. A past national chair of RMA and former Florida Chapter president, Dev serves as a member of the RMA Journal's advisory board, and an ex-officio board member of the Florida and Atlanta RMA chapters. He also serves on the advisory board of the Atlanta Chapter of the Professional Risk Managers' International Association (PRMIA), and he has consulted on credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department's Financial Service Volunteer Corps (FSVC)