Western Banking School (WBS) workshops are designed for state bankers associations and financial institutions. The following workshops are available:

Accounting Refresher

• The Accounting Cycle
• Assessment of Accounts Receivable and Payable
• Accounting for Inventories
• Preparation of Cash Flows

Accounts Receivable Inventory

• What comprises the basic documentation
• Three basic types of accounts receivable lending/lenders
• How to determine eligibility periods
• How to identify which type of lender/lending the borrower needs
• How to determine collateral bases

Asset/Liability Management

• Net interest margin and net income analysis
• Liability & asset pricing strategies
• Duration analysis
• Credit quality decisions

Bank Financial Analysis

• Recognize the basic balance sheet accounts and income statement components and understand how they relate to each other.
• Identify source of funds and use of funds.
• Identify non-cash  expenses and receipts and distinguish between cash flow form operations and reported profitability.
• Identify key ratios that signify the degree of credit risk, liquidity risk, interest-rate risk, operational risk and capital risk assumed by bank.

Bank Simulation Program

Bank Exec is a computer-based bank simulation program.  Participants are divided into management teams of four to six people who proceed to have total management responsibilities of a commercial bank.  All teams start with the same financials, but after the first quarter’s decision, competition is intense.  Many subjects come into play and are discussed throughout the program. This program can be done in a 3-½ day period.

Cash Flow Analysis

• Describe the role of the financial statements
• Discuss the describe the use of financial ratios
• Explain in class how to prepare a cash flow statement
  (hands-on exercise)

Commercial Loan Relationship Management

• Evaluating management
• Company strategy
• Relationship management
• Loan interviewing
• Negotiations

Historical Financial Analysis

• Utilize four tools of historical analysis – comparative,
  common size, cash flow and ratio analysis.
• Evaluate a personal financial statement and adjust net worth.
• Interpret the six most common schedules included
  in a personal tax return.

Introduction to Commercial Lending

• Review of business structures, manufacturing, wholesale, retail
• Loan Interviewing Techniques
• Cash Cycles
• Financial Ratios and their meaning
• Financial spreads
• Loan Structuring
• Problem Loan Identification

Introduction to Consumer Lending

• Consumer Loan Products
• Credit Applications
• Credit Investigations
• Credit Scoring
• Underwriting

Introduction to Commercial Real Estate Lending

• Appraisals and their important elements
• Types of commercial real estate loans
• Determine NOI
• Apply debt coverage ratios to lending opportunities
• Utilizing loan to value ratios in the underwriting process

Loan Structure, Support and Documentation

• Define he balance sheet equation and explain the three purposes
  for a loan and the three sources of repayment.
• Evaluate six loan structure issues.
• Define collateral and understand how to analyze, value,
  document, control and monitor it.
• Define a guaranty, identify various types of guaranties, and explain its role.
• Define a loan agreement, explain its role, identify it basic components.
• Define the role of a subordination agreement.

Managing Liquidity and Capital Planning

• Importance of cash assets and liquidity
• Relationship between liquidity risk, credit risk and interest rate risk
• Bank capital and regulatory capital requirements
• Risk based capital requirements

Principles of Business Law

• Ethics and the law
• Third Parties in contract law
• Negotiation of commercial paper
• Holder in due course, defense and liabilities

Problem Loans

• Define problem loans
• Identify causes of problem loans
• Describe first steps in dealing with a problem loan
• How to formulate a problem loan strategy and implement the strategy

Sensitivity Analysis

• Explain the purpose of projections
• List information required to construct projections
• Construct proformas, projections and cash budgets

Small Business Lending

• Financial statements
• Tax returns
• Repayment Sources
• Cash flow/debt services
• SBA lending eligibilit