How to Evaluate Borrower Management Ability and Willingness to Repay

How to evaluate a borrower’s management starts with its ability to ensure that the borrower has the ability to repay primarily from operating cash flow and secondarily from collateral and guarantees. To do so means management has figured out how to operate successfully within its industry, and that means management is able to generate revenues at a satisfactory return on equity, manage its working capital assets and liabilities, and is building the net worth of its owner-guarantors. In addition to assessing its ability to repay, participants will also learn how to assess willingness to repay by learning how to identify potential insider fraudsters, assess borrower fraud prevention programs, and offer useful recommendations to improve the programs.

Who Should Attend:

Credit Analysts, Credit Managers, Credit Risk Managers, Risk Managers, Enterprise Risk Managers, Chief Credit Officers, Senior Lenders, Senior Lending Officer, Bank Director, Chief Executive Officer, President, Board Chairman

Learning Objectives:

Learn how industry factors influence borrower’s ability to repay from cash flow, collateral and guarantees
Analyze borrowers’ responses to its industry structure, competitiveness, and rely on its resources and capabilities to compete successfully in its industry
Learn how to analyze and summarize executives managing primary functions
Learn how to use a management red flag checklist to identify negative management actions
Learn how to identify borrower insiders with predisposition to commit fraud, evaluate borrower’s fraud prevention program and offer recommendations to improve the program

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