COMMUNITY BANK UNIVERSITY

Bank Compliance Center

In today’s banking environment as soon as one big new regulation is implemented another pops up. ICBA’s compliance training opportunities and exceptional resources, online and offline, will help your community bank stay informed and one step ahead of the regulators.

Compliance Training and Events

Agricultural Credit Analysis Seminar – Virtual

The ICBA Agricultural Credit Analysis seminar addresses the issues in the market and provides the tools to assess the borrower’s ability to navigate difficult times.

This NEW course is designed to meet the needs of agricultural lenders. In the last decade, the agriculture field has faced significant head winds that have stressed many farmers and lenders alike.  

Using the core financial statements, we will structure the analysis and borrower’s cash flow to determine the right credit structure when financing is warranted. We will also look at catching the early warning signs of deterioration and what can be done.

Topics will include: 

Understanding Credit Risk

  • Agriculture Market Risk
  • Agriculture Management Risk

Financial Statement Analysis

  • Crop/Animal Statements
  • Cash Budgets

Liquidity Management

  • Guarantor Analysis
  • Sensitivity/Stress Tests

Agriculture Cash Flow Analysis

  • Operational Cash Flow
  • Global Cash Flow
  • Coverage Issues

Developing the Right Credit Structure

  • Seasonal Lines
  • Term Loans
  • Carry Over Loans

Early Warning Signs of Deterioration

  • Systemic Market Issues
  • Management Issues