Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios, both performing and non-performing. Also, many borrowers still have large holdings of income-producing or rental real estate. Whether directly financing these assets or including the income stream(s) in your overall credit analysis, it is important to understand key analytical concepts in evaluating commercial real estate cash flow. This program demonstrates (from case studies) the key variables and concepts for determining real estate cash flow, plus primary analytical techniques such as transaction level stress-testing and compiling a global cash flow that includes all of the holding of the investor/owner/guarantor. We cover where to find information from existing sources, such as tax returns, and what additional information may be needed, such as customer rent rolls.
This seminar will address the following:
Target Audience:
Consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers.
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