Business, Industry and Management Risk Assessment
Friday, June 14th, 2019
10:00 am – 11:30 am CT
Recommended for 2 CE Credits
This course is designed help participants integrate the analysis of risks associated with the industry, business and management of the company into the overall credit underwriting process.
- Determine the characteristics of manufacturers, wholesalers, retailers, and service companies.
- Identify the advantages and disadvantages of firms in different stages of the industry life cycle including: emerging, growth, mature, and decline stages.
- Understand the macroeconomic issues that create risk for businesses.
- Review specific types of risk including: buyer/seller concentrations, exit and entry costs, cyclicality, international concerns, and vulnerability to substitutes.
- Understand how specific business risks impact specific industries.
- Analyze operating leverage, competition, concentrations, distribution, products and services, and production.
- Understand how management can compound or allay risk.
- Discuss management success criteria such as experience, integrity, philosophy, and style.
- Review the flaws and pitfalls of management.
Who Should Attend:
Commercial lenders, credit analysts and small business lenders, consumer lenders, mortgage bankers and private bankers; loan review specialists, special assets officers, lending managers and credit officers.
An authority on financial and credit risk, Mr. Carlin is a Managing Partner at Eensight. He has worked with major banks, insurance companies and regulatory agencies over the last twenty years, designing and teaching financial topics including: basic, intermediate and advanced credit and financial statement analysis, business lending for branch bankers, accounting for bankers, basic intermediate and advanced cash flow analysis, loan structuring, consumer lending and trade finance. His audiences include business bankers, recent graduates going through the organizations basic credit training program, senior management personnel that need to know the basics of accounting and financial statement analysis, middle market lenders with many years of experience and regulatory agency personnel. Each program he designs and teaches is tailored to the individual customer with the products, procedures and culture of the organization incorporated into the course design. The complexity and intensity of the programs are adjusted to reflect the needs of the participants and the logistical training issues faced by the organization.
He is the author of “Financial Statement Analysis” published by the American Bankers Association in 1994. He is also the author of “Consumer Lending”, published by The Center for Financial Training in 2015.
He has designed and taught programs in risk analysis for Citibank, Wells Fargo, American International Group, Capital One, Chase Manhattan Bank, First Tennessee, M & T, Union Bank, and The Bank of China. He has also taught the “Credit Risk Analysis Program” at the Federal Reserve Bank.
Prior to Eensight, Mr. Carlin was a Regional Director for Omega Performance Corporation. He was also a Vice President with Bankers Trust in New York. He was responsible for marketing credit and trade finance products to corporate clients and correspondent banks worldwide.
Mr. Carlin has a Masters of International Management degree from The Thunderbird School of Global Management and a Bachelor of Arts Degree from Villanova University.