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2019 AG Credit, Seminar OKC
September 12, 2019 @ 9:00 am - 2:30 pm CDT
Featuring Dr. David Kohl, space is limited do not delay register now!
This is specifically designed for ag lenders who want to sharpen their skill base concerning ag lending. This session has been developed by one of the leading experts in the area of agricultural credit. It is specifically designed for current times and the challenges facing agriculture and ag lending.
The principles and techniques of credit analysis are evolving as economic cycles and the structure of agriculture creates different areas for success. The macro economic factors will kick-off the presentation followed by thoughts and perspectives on financial and credit analysis as well as the risks in agricultural lending.
Next, there will be discussion on critical data points in financial benchmarking along the economic cycle spectrum, including the characteristics of the 40% of proactive producers who thrive versus the bottom 30% of producers who struggle.
The latest and greatest concerning the importance of a balanced approach to agricultural lending including burn rate perspectives on working capital, core equity and factors that can impact these important variables will be presented.
There will be a side-by-side financial dashboard included that lenders can utilize while working with customers along with a ”Sixth C” scorecard that can assist in objectivity while analyzing the customer’s management habits. In seeking balance in the lending equation, the ten commandments of the good, bad, and ugly character traits, or the soft side of lending, will be illustrated.
Of course, the one-page customer driven recovery or financial plan will be discussed along with tips and techniques for identifying and working with stressed credits. As well as the Six C’s of Lending that can effectively position your institution for the next decade of ag lending.
Dr. Kohl will use case studies to help illustrate these points and bring these concepts to life.