Want to take your basic ag ratios to the next level? Explore working capital ratio and operating expense ratio? Understand the importance of the ag underwriting process? Find out this and more!
Audience
- Those who have completed Barret's Ag Lending 101 Program
- Ag lenders who have a firm knowledge of the ratios and basics of ag lending but need a refresher on more advanced concepts.
Syllabus
- Module 1: Orientation, Ag 101 Review, Working Capital and Operating Expense Ratios
- Module 2: Repayment Analysis
- Module 3: Loan Presentations--Tell the Story Effectively
- Module 4: Cash Flow Projections
Price
- Full Access to Ag Lending 201 On-Demand
- $350
Learning Objectives
- Take basic ag ratios to the next level. Explore working capital ratio and operating expense ratio. Understand the importance of the ag underwriting process.
- Determining the repayment ability of the farm by using various ratios including the Term Debt Lease Coverage Ratio. Learning to understand passive/non-passive income, cooperative distributions, and other non-farm items and their role in determining capacity.
- Learn to tell the story effectively. Loan presentations are a key part of the loan process. Hone your writing skills and understand the critical components of an ag loan presentation.
- Cash Flow Projections are the heart and soul of underwriting an ag loan. Learn how to properly work with projections, calculate projections, handle situations where cash flow is not sufficient, and how to use cash flow as a way to enhance your ag relationships.
Still want more ag lending information? Check out our quarterly Roundtable or our Ag Lending 101 course
About the Instructor
William Ohlde, COO of Country Banker Systems
Will has been with Country Banker since 2017. He has a background as a credit analyst in addition to working with Country Banker, this provides a unique perspective to see both sides of the coin; Building lending software as well as using it. Working with Country Banker provides the opportunity to speak with many banks and organizations in regards to lending and analysis practices. Will currently lives in Clifton Kansas with wife and two kids, free time is spent enjoying family, serving the community and golfing.
