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INTRODUCTION TO AGRICULTURAL LENDING
Course Description:
Agricultural Lending provides participants with the basic skills needed
to undertake credit analysis, loan structuring, monitoring, and
provide guidance on dealing with problem loans. This course was
developed in conjunction with the Schools of Banking, Inc., a
jointly-owned subsidiary of the Kansas and Nebraska Bankers Associations
Audience:
This course is designed for individuals who
are either new to Agricultural Lending or have limited experience or
little formal training.
Learning Objectives:
After successfully completing
this program, you will be able to:
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Describe the size and
scope of U.S. agriculture and the characteristics of the four main
classifications of farm size
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Describe the purpose of
the Farm Financial Standards Council (FFSC) and the impact of the
FFSC recommendations on agricultural lending
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Recognize and identify
the key financial statements as recommended by the FFSC
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Define the
classification of assets and liabilities for two category and
category balance sheets
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Calculate deferred
taxes and the impact of such taxes on agricultural financial
analysis and lender decisions
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Understand the
differences between cash and accrual income statements
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Have a working
knowledge of accrual income statements and their impact on proper
financial analysis and lender decision making
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Understand the
statement of owner equity
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Understand the role of
cash flow analysis in an agriculture operation and in making lending
decisions
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Have a working
knowledge of the "Sweet Sixteen" ratios, specifically:
Repayment, Liquidity and Solvency Analysis
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Describe the importance
and purpose of a loan policy in your bank
Readings: All
reading materials are delivered online.
Topics Covered:
Week 1: Orientation
Week 2: Overview of Agriculture
Week 3: Information Collection and Decision Making-Application and
Balance Sheet
Week 4: Information Collection and Decision Making-Income
Statement
Week 5: Information Collection and Decision Making-Owners Equity
and Cash Flow
Week 6: Credit Analysis
Week 7: Loan Structuring and Problem Loans
Week 8: Final Assessment
Credit:
AIB: 1.0
Delivery Method:
For further information, email
elegg@nyba.com
or call 212-297-1679.
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