School of Business Lending™

Objectives

Unit I: Business Lending Fundamentals gives participants a solid understanding of accounting basics, including a look at how management accounting techniques are used in daily business operations. This course will lay a foundational understanding of business finance, including: 

• The Nine Principles of Accounting
• Accounting Systems
• Income Statements—Cost, Price, & Volume Analysis
• Balance Sheets
• Statements of Cash Flow
• Capital Budgeting Techniques
• Entity Structures
• Tax Returns

Objectives 

Unit II: Financial Analysis & Diagnostic Assessment provides participants with a solid understanding of best practices for analyzing financial statements. You’ll discover the logic and structure of financial statements, including Balance Sheets, Income Statements, and Statements of Cash Flow. Drawing on the information contained in these documents, you will practice analyses, including Common Sizing, Trend Analysis, and Performance Deviation. In addition, you will: 

• Learn how to identify the four stages of the business life cycle
• Explore common borrower situations
• Examine roadblocks to profitability
• Understand the unique risk considerations for different industry sectors

Objectives 

During Unit III: Strategic Business Lending, participants will learn how to project future financial performance and determine an entity’s ability to generate cash. You’ll also learn how Balance Sheets and Income Statements are projected, and how to determine Cash Flow availability. You’ll also: 

• Discover the nine critical cash determinants in business
• Discuss the SAF law of growth
• Learn how to calculate Sustainable Growth Rates
• Explore ways to evaluate six growth management strategies
• Identify three predominant asset financing patterns
• Explore how to properly structure debt for repayment
• Examine the structure and qualities of effective credit memorandums, including the use of loan covenants

Business lending can be highly profitable and a great member retention tool. To be successful, it must be done the right way for YOUR credit union. CUES School of Business Lending teaches you how to create the perfect program for your credit union. You'll benefit from the instruction of, and extensive access to, highly-rated financial industry speakers Jim Devine and Bob Hogan, all without the hassle or expense of travel. Plus, you'll earn up to 37.5 Continuing Professional Education (CPE) credits for your participation.

For virtual education support, review these helpful steps and frequently asked questions.
 

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This school is ideal for:  

• CFOs and CLOs
• EVPs/SVPs of lending and operations
• VPs, directors and managers of lending, finance and business services
• Senior staff members who will be involved in the business lending process
• CUSO and new business development executives

All cancellations must be in writing; email cues@cues.org to notify us:

• Prior to 60 days before event start date – full refund
• 31-60 days before event start date – 50% refund

We’re sorry, but we cannot offer a refund if we are notified 0-30 days before an event start date.

Substitute attendees are welcome, subject to eligibility.

CUES reserves the right to cancel or reschedule the event due to unforeseen circumstances, and will refund fees if the event is rescheduled or location is changed and you are unable to attend.

Yes! This school meets the following standards:

• Earn up to 37.5 CPE Credits
• Program Level: Overview
• Delivery Method: Group-Live
• Field of Study: Business Management & Organization
• Prerequisites: None

CUES is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors, through its website linked above.