How to Create Projections for C&I Lending
Presenter: Rick Dailey
C&I lending is widely viewed as a strategy best suited for large financial institutions due to perceived high risk from greater default rates and the pressuring regulatory environment. However, as interest rates sit at historically-low levels, C&I lending can be a viable revenue generator for community institutions with the right growth strategy in place.
Join Rick Dailey, Credit Risk Consultant at Sageworks and former board member of First United Bank & Trust Oakland, MD, as he walks through the importance of using projections in the commercial lending process, how to choose assumptions for your projections, and ways to go about building scenarios to forecast possible outcomes.
You Will Learn:
- How to build the projections
- Strategies for selecting assumptions
- How to use a projected UCA cash flow
About the Presenter
Rick Dailey, Senior Credit Risk Consultant
Rick Dailey is a Senior Credit Risk Consultant on the Client Services team at Sageworks. Since joining the team in June of 2005, he has worked with hundreds of financial institutions to improve their profitability and manage risk. Rick received his bachelor’s degree in economics from Washington and Jefferson College in Washington, PA, and has spent his career focusing on small business sales and training education. His past experience includes managing a family retail business in western Maryland and serving on a bank board of First United Bank & Trust Oakland MD.