Financial Projections for Determining Long-Term Cash Flow Repayment Ability
  • CODE : DEVS-0060
  • Duration : 60 Minutes
  • Level : All Levels
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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 ABA’s Stonier Graduate School of Banking and the American Bankers Association's (ABA) Commercial Lending as well as a former instructor at the Southwestern Graduate School of Banking and the Wisconsin School of Banking.  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 served on FASB’s Private Company Council which recommends simpler versions of generally accepted accounting principles for use by privately held companies.  Finally, 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). Finally, he represented the banking industry on the Financial Accounting Standards Board’s Private Company Council whose role is to recommend revisions to accounting principles more appropriate for privately held firms.


The session will explain the importance of revenues in projecting financial statements and cash flow. Then the session will show participants how to project the income statement, balance sheet, and cash flow to calculate the loan amount needed to support projection and evaluate the ability of the borrower to repay the loan. Evaluation of underlying assumptions includes the feasibility of revenue growth rate, profitability, productivity, efficiency, earning retention, and leverage. Besides calculating the loan amount needed to support the financial projection, an analysis of the asset collateral base available to support repayment will be examined.

Learning Objectives

  • How revenue projection determines income statement and income statement determines balance sheet
  • Critical role of working capital assets, capital expenditures, and retained earnings in supporting projection
  • How to generate cash flow projection with balance sheet and income statement
  • How to estimate loan needed to realize financial projections
  • How to underwrite a loan needed to fit the lending organization’s policies
  • How to support loan with appropriate collateral and guarantees

Areas Covered

Cash flow, Projections, Assumptions, Working Capital, Fixed Assets, Profitability, Liquidity, Solvency, Leverage, and Repayment Ability.

Why You Should Attend

Financial organizations extend credit to borrowers when the borrowers show the ability to repay the loans extended. Ideally, a request for a five-year loan should be supported by a 5-year cash flow projection. Learn key assumptions in a projection and how to assess the validity of a downside-most likely projection to stress test the assumptions.

  • $160.00



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