This AIB course will provide participants with the basic skills needed to undertake credit analysis, loan structuring, monitoring, and provide guidance on dealing with problem loans. Participants will apply these concepts to one or more credits within their own organization. The topics to be covered include current developments in the farm sector, farm business and financial planning, balance sheet and income statement, cash flow statement and credit analysis, loan structuring, monitoring borrower relationships, and managing problem loans.

   Audience:  Personnel who are either new to agricultural lending or who have limited or little formal training in this field.

    Learning Objectives

   At the conclusion of the program participants will be able to:

• Undertake a thorough credit analysis using the balance sheet, income statement, and statement of cash flows
• Identify supplemental sources of information when the financial statements are insufficient
• Structure a loan or set of loans that helps the borrower achieve his or her business plan with an acceptable level of risk to the bank
• Work with borrowers who are not making adequate progress on their business plan to find a suitable course of action.

Enrollment Form

(Download and print from SER-CFT website, complete and fax to 904-354-1834)