Agricultural Credit Analysis

Twice a year RMA and Centrec join together to deliver a three-day seminar designed to meet the needs of today's agricultural lender and focuses on the analysis and interpretation of historic and projected farm and ranch financial statements.

     
ABOUT THE WORKSHOP
This two and one half day workshop is designed specifically to meet the needs of today’s agricultural lender. Thousands of ag lenders have attended this workshop, from all segments of the ag finance industry.

WORKSHOP OBJECTIVES
bulletPresent a standardized format for analysis of historical data
bulletProvide an opportunity to project and analyze future performance
bulletIdentify key factors in the analysis of incomplete financial information
bulletExplore risk management from the lender’s perspective
bulletDiscuss the implications of a changing world agriculture and the emerging ag lending environment

KEY WORKSHOP TOPICS
bulletMeasuring Profit
bulletCash Flow and Repayment Capacity
bulletThe Financial Analysis Process
bulletWorking With Incomplete Information
bulletWorld Agriculture in the 21st Century
bulletThe Emerging Ag Lending Environment

Case study examples are used throughout the session to continually tie the concepts back to real world applications. A computerized projection model is utilized to enhance the case study process.

WHO SHOULD ATTEND
Experienced ag lenders, loan reviewers, auditors, and examiners who want to enhance their ability to assess accurately the creditworthiness of agricultural borrowers. This program works well as either a core component of a curriculum for lenders with 2-5 years of experience or a refresher of ag credit concepts for experienced lenders.

HOW YOU WILL BENEFIT
You will get hands-on experience working with the instructors and other experienced lenders in applying credit analysis techniques to real-life credit request. By gaining an understanding of the mechanics and philosophies of agricultural credit analysis, you will be able to:
bulletAsk the right questions to get an accurate picture of the borrower’s financial condition
bulletMake sound credit decisions with confidence based on commonly available information
bulletIdentify and articulate the key strengths and weaknesses of a credit request
bulletEstablish structure of the relationship accordingly
bulletBuild a stronger ag loan portfolio
Ag Credit and Business Strategy
Ag Credit Analysis
Credit Risk and Commodity
Marketing Strategies
Financing Dairy Expansions
Financing Integrated and Contract Agricultural Production
Financing Multiple Entities
Financial Stress in Agriculture: Strategic Positioning in Difficult Times
Financing Swine Expansions
Loan Analysis For Agricultural Suppliers
Loan Structuring Analysis For Agricultural Credits
Transitioning The Farm Business
Other Credit and Business Strategy
The Language of System Dynamics
Personal Financial Planning: Issues for Bankers Serving Business Owners and Professionals
Refocusing the Commercial Credit Relationship: Assessing the Value of Personal Guarantee