mtc mailer
Winter 2014
Volume 4.2
MTC MAILER A quarterly publication of The Middle Tennessee Chapter of The Risk Management Association (RMA)
FINANCIAL STATEMENT ANALYSIS (Two Day Course)
FROM THE CHAPTER PRESIDENT Please join us on Tuesday, February 4, 2014 at 8:00 AM for the 2014 Economic Outlook with Craig Dismuke of Vining Sparks IBG. The event will be held at the offices of Stites & Harbison, 401 Commerce Street, Suite 800, Nashville, TN 37219. Craig Dismuke is a Senior Vice President and Chief Economic Strategist for Vining Sparks IBG. Advising portfolio managers ranging from some of the largest foreign banks to some of the smallest domestic financial institutions, he evaluates economic developments and fixed income sector performance to identify risks and opportunities within the U.S. market. Craig publishes daily, weekly, and monthly articles for Vining Sparks as well as other national publications. He is also a frequent speaker at investment and industry conferences on the health of and expectations for the U.S. economy. Prior to joining Vining Sparks, he was a Managing Director in Institutional Fixed Income at Bear Stearns and Company. Craig is a graduate of Union University and completed his Masters of Science in Policy Studies at the University of Memphis.
Financial Statement Analysis will be offered Thursday & Friday, February 20 & 21, 2014. The course is designed to teach the analytical process and decision-making techniques that participants need in order to make sound credit decisions through the application of financial statement analysis. It establishes a foundation in business and industry risk analysis, management analysis, financial statement analysis, financial drivers, forecasting, and loan structuring. In addition to creating a framework for applying financial statement analysis, participants will learn the specifics of business risk analysis and loan structuring. Covenants, collateral, and terms and conditions of lending will also be covered The instructor is James C. Meals, Managing Director of Abacus Training Resources, LLC. Celebrate 100 years of RMA with $100 off this course! Simply enter promotional code RMA100 when registering online at http://community.rmahq.org/MiddleTennessee/Home/
or register by calling RMA Customer Care at 800-677-7621
Seating is limited. Register by contacting Stephanie York, Chapter Secretary, at [email protected] or 615-866-4863 ext. 208
2013-2014 ANNUAL SPONSORS
Overton Colton Chapter President 615-515-1706 [email protected]
Page 1 of 2
and
Winter 2014
Volume 4.2
ANALYZING THE COMMERCIAL BORROWER’S INDUSTRY, MARKET, AND COMPETITITVE RISK (Full Day Course)
GLOBAL CASH FLOW (Full Day Course)
Analyzing the Commercial Borrower’s Industry, Market, and Competitive Risk will be offered Friday, March 14, 2014. The course provides the participant with a foundation on which to base sound credit decisions derived from nonfinancial-statement analysis, such as economic and industry factors that influence a company's financial requirements, the company life cycle and product life cycle, and the borrower's competition and business strategy. The instructor is Frank R. Eckerd. Celebrate 100 years of RMA with $100 off this course! Simply enter promotional code RMA100 when registering online at http://community.rmahq.org/MiddleTennessee/Home/
or register by calling RMA Customer Care at 800-677-7621 2013-2014 MIDDLE TENNESSEE CHAPTER OFFICERS & DIRECTORS PRESIDENT Overton Colton, Truxton Trust FIRST VICE PRESIDENT Mark Mattson, CapStar Bank SECOND VICE PRESIDENT Joe Shade, Bank of Nashville
Global Cash Flow will be offered Monday, April 14, 2014. The course teaches you how to analyze the cash inflows and outflows of an individual. Learn why an individual’s contingent risks could have a negative effect on the desired outcome: repayment of debt and compliance with the terms and conditions of the lending arrangement. Learn to identify the sources and quality of an individual’s cash flows, and their timing, so that steps can be taken to mitigate the risks presented by the intertwined interests of owners/guarantors and business. By examining simple, straight-forward scenarios, you will understand the interplay between business and personal cash flows and how this affects debt service requirements. While no single approach to global cash flow fits all situations, you will gain a solid understanding of global cash flow so that you can adapt and apply the concepts learned. The instructor is Richard A. Hamm, Owner, Advantage Consulting & Training. Celebrate 100 years of RMA with $100 off this course! Simply enter promotional code RMA100 when registering online at http://community.rmahq.org/MiddleTennessee/Home/
or register by calling RMA Customer Care at 800-677-7621
SECRETARY Stephanie York, B.G. Jones & Company, LLC
WHERE TO FIND US
TREASURER Billy Harvel, First Farmers & Merchants Bank ADDITIONAL DIRECTORS Steve Ainsworth, Fifth Third Bank Scott Bagwell, Commerce Union Bank Sandy Barnett, Bank of America Merrill Lynch Keith Hatley, Sumner Bank and Trust Doug Henard, FirstBank Charlie Hooks, Community Bank & Trust Marla Howell, U.S. Bank Tom Kern, Civic Bank & Trust Jana Luellen, Regions Bank John Nelson, Pinnacle Financial Partners Mark Oswalt, SunTrust Bank Alethea Warren, First Tennessee Bank Dawn Weaver, SunTrust Bank Jeremy Yeagle, Avenue Bank
RMA http://www.rmahq.org
Middle Tennessee Chapter http://community.rmahq.org/MiddleTennessee/Home
You can also find us on using keywords “RMA” and “Middle Tennessee Chapter”
DIRECTOR EMERITUS Dick Bobo, Retired
Page 2 of 2
Volume 4.2
MTC MAILER A quarterly publication of The Middle Tennessee Chapter of The Risk Management Association (RMA)
FINANCIAL STATEMENT ANALYSIS (Two Day Course)
FROM THE CHAPTER PRESIDENT Please join us on Tuesday, February 4, 2014 at 8:00 AM for the 2014 Economic Outlook with Craig Dismuke of Vining Sparks IBG. The event will be held at the offices of Stites & Harbison, 401 Commerce Street, Suite 800, Nashville, TN 37219. Craig Dismuke is a Senior Vice President and Chief Economic Strategist for Vining Sparks IBG. Advising portfolio managers ranging from some of the largest foreign banks to some of the smallest domestic financial institutions, he evaluates economic developments and fixed income sector performance to identify risks and opportunities within the U.S. market. Craig publishes daily, weekly, and monthly articles for Vining Sparks as well as other national publications. He is also a frequent speaker at investment and industry conferences on the health of and expectations for the U.S. economy. Prior to joining Vining Sparks, he was a Managing Director in Institutional Fixed Income at Bear Stearns and Company. Craig is a graduate of Union University and completed his Masters of Science in Policy Studies at the University of Memphis.
Financial Statement Analysis will be offered Thursday & Friday, February 20 & 21, 2014. The course is designed to teach the analytical process and decision-making techniques that participants need in order to make sound credit decisions through the application of financial statement analysis. It establishes a foundation in business and industry risk analysis, management analysis, financial statement analysis, financial drivers, forecasting, and loan structuring. In addition to creating a framework for applying financial statement analysis, participants will learn the specifics of business risk analysis and loan structuring. Covenants, collateral, and terms and conditions of lending will also be covered The instructor is James C. Meals, Managing Director of Abacus Training Resources, LLC. Celebrate 100 years of RMA with $100 off this course! Simply enter promotional code RMA100 when registering online at http://community.rmahq.org/MiddleTennessee/Home/
or register by calling RMA Customer Care at 800-677-7621
Seating is limited. Register by contacting Stephanie York, Chapter Secretary, at [email protected] or 615-866-4863 ext. 208
2013-2014 ANNUAL SPONSORS
Overton Colton Chapter President 615-515-1706 [email protected]
Page 1 of 2
and
Winter 2014
Volume 4.2
ANALYZING THE COMMERCIAL BORROWER’S INDUSTRY, MARKET, AND COMPETITITVE RISK (Full Day Course)
GLOBAL CASH FLOW (Full Day Course)
Analyzing the Commercial Borrower’s Industry, Market, and Competitive Risk will be offered Friday, March 14, 2014. The course provides the participant with a foundation on which to base sound credit decisions derived from nonfinancial-statement analysis, such as economic and industry factors that influence a company's financial requirements, the company life cycle and product life cycle, and the borrower's competition and business strategy. The instructor is Frank R. Eckerd. Celebrate 100 years of RMA with $100 off this course! Simply enter promotional code RMA100 when registering online at http://community.rmahq.org/MiddleTennessee/Home/
or register by calling RMA Customer Care at 800-677-7621 2013-2014 MIDDLE TENNESSEE CHAPTER OFFICERS & DIRECTORS PRESIDENT Overton Colton, Truxton Trust FIRST VICE PRESIDENT Mark Mattson, CapStar Bank SECOND VICE PRESIDENT Joe Shade, Bank of Nashville
Global Cash Flow will be offered Monday, April 14, 2014. The course teaches you how to analyze the cash inflows and outflows of an individual. Learn why an individual’s contingent risks could have a negative effect on the desired outcome: repayment of debt and compliance with the terms and conditions of the lending arrangement. Learn to identify the sources and quality of an individual’s cash flows, and their timing, so that steps can be taken to mitigate the risks presented by the intertwined interests of owners/guarantors and business. By examining simple, straight-forward scenarios, you will understand the interplay between business and personal cash flows and how this affects debt service requirements. While no single approach to global cash flow fits all situations, you will gain a solid understanding of global cash flow so that you can adapt and apply the concepts learned. The instructor is Richard A. Hamm, Owner, Advantage Consulting & Training. Celebrate 100 years of RMA with $100 off this course! Simply enter promotional code RMA100 when registering online at http://community.rmahq.org/MiddleTennessee/Home/
or register by calling RMA Customer Care at 800-677-7621
SECRETARY Stephanie York, B.G. Jones & Company, LLC
WHERE TO FIND US
TREASURER Billy Harvel, First Farmers & Merchants Bank ADDITIONAL DIRECTORS Steve Ainsworth, Fifth Third Bank Scott Bagwell, Commerce Union Bank Sandy Barnett, Bank of America Merrill Lynch Keith Hatley, Sumner Bank and Trust Doug Henard, FirstBank Charlie Hooks, Community Bank & Trust Marla Howell, U.S. Bank Tom Kern, Civic Bank & Trust Jana Luellen, Regions Bank John Nelson, Pinnacle Financial Partners Mark Oswalt, SunTrust Bank Alethea Warren, First Tennessee Bank Dawn Weaver, SunTrust Bank Jeremy Yeagle, Avenue Bank
RMA http://www.rmahq.org
Middle Tennessee Chapter http://community.rmahq.org/MiddleTennessee/Home
You can also find us on using keywords “RMA” and “Middle Tennessee Chapter”
DIRECTOR EMERITUS Dick Bobo, Retired
Page 2 of 2
