How Bankers Make Their Decisions

Recorded On: 08/08/2022

This on-demand webinar is available for 14 days after purchase

Lending to borrowers is risky business, and a lot goes into making a calculated decision. This session will teach you how bankers and lenders evaluate risk, underwrite an appropriate lending structure and monitor credit exposure.

You also will learn:

  • How bankers evaluate repayment ability from cash flow, collateral and guarantees
  • Why lenders focus on business cash flow but still want collateral and guarantees
  • What bankers need to analyze, underwrite and approve business loans
  • What prospective borrowers can provide to facilitate their loan application, business plan and summary
  • What borrowers can do to keep their banking relationship positive
  • Progress billings, retention and collateral value
  • Role of sureties in providing bonds to contractors—lien priorities
  • Evaluating contractor downside cash flow, collateral and guarantors for repayment ability
  • Useful conditions and covenants in contractor loan underwriting
  • Evaluating contractor cash flow, collateral and guarantors


About the Speakers

Dev Strischek, Devon Risk Advisory Group

Dev Strischek bio photo

Dev Strischek is principal of Devon Risk Advisory Group and speaks on a wide range of credit risk, commercial banking and lending topics. As former SVP and senior credit policy officer at SunTrust Bank, Atlanta, he was responsible for developing, implementing and adminsistering 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 at the Stonier Graduate School of Banking, the Southwestern Graduate School of Banking 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 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. 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 U.S. State Department's Financial Service Volunteer Corps (FSVC). He also served on the Private Company Council (PCC) of the Financial Accounting Standards Board (FASB); the PCC reviews current and proposed generally accepted principles (GAAP) and recommends revisions that simplify their use for privately held organizations.

 

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How Bankers Make Their Decisions
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Open to view video. This on-demand webinar is available for 14 days after purchase. About the Webinar Lending to borrowers is risky business, and a lot goes into making a calculated decision. This session will teach you how bankers and lenders evaluate risk, underwrite an appropriate lending structure and monitor credit exposure. You also will learn: How bankers evaluate repayment ability from cash flow, collateral and guarantees Why lenders focus on business cash flow but still want collateral and guarantees What bankers need to analyze, underwrite and approve business loans What prospective borrowers can provide to facilitate their loan application, business plan and summary What borrowers can do to keep their banking relationship positive Progress billings, retention and collateral value Role of sureties in providing bonds to contractors—lien priorities Evaluating contractor downside cash flow, collateral and guarantors for repayment ability Useful conditions and covenants in contractor loan underwriting Evaluating contractor cash flow, collateral and guarantors