Webinar: Credit Analysis & Lending Series: Cash Flow Analysis: Debt Service Coverage, Global Cash Flow & More
August 12, 2025 3:00 pm - 4:30 pm
How deep is your understanding of cash flow analysis?
This session will explore how to make informed decisions regarding debt service coverage, global cash flow, and more. You will gain hands-on practice with real-world financial statements to sharpen your analytical judgment – and a treasure trove of tools. Don’t miss it!
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
- Break down the differences between UCA and EBITDA cash flow analysis and when to use each
- Analyze global cash flow for borrowers with multiple entities or strong guarantors, including how to treat personal obligations
- Evaluate debt service coverage ratios across CRE, C&I, and ag loans using practical examples and sample financials
- Incorporate family living expenses into the cash flow analysis to create more realistic global repayment assessments
WEBINAR DETAILS
Master the essentials of cash flow analysis with this comprehensive session designed for credit analysts and loan officers. This webinar will walk through the unique characteristics of analyzing commercial real estate (CRE), commercial and industrial (C&I) loans, and basic agricultural cash flows. Learn the critical differences between UCA and EBITDA analyses, and when to apply each one based on borrower circumstances.
This program will also dive into the nuances of global cash flow analysis — especially when a strong guarantor is involved — and how to assess family living expenses as part of a full financial review. Featuring real-world examples and hands-on practice with sample financials, this session will equip you with the tools to strengthen your cash flow evaluations for both individual and global borrower assessments.
WHO SHOULD ATTEND?
This informative session is ideal for credit analysts, loan officers, senior lenders, and credit administration staff.
TAKE-AWAY TOOLKIT
- Cash flow analysis reference guide
- Global cash flow checklist
- Quick reference ratios and red flags card
- Glossary of cash flow terms
- Employee training log
- Interactive quiz
- PDF of slides and speaker’s contact info for follow-up questions
- Attendance certificate provided to self-report CE credits
Speaker: Robert L. Viering, RiverPointUSA LLC
Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.
Prior to becoming a consultant, Bob was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Bob held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.