Credit Union Exam Solutions Presents With Flying Colors MBL Loans: Financial Analysis Credit Proposals & Global Cash Flow
Jul 22, 2025
Vin Vieton, a former senior credit specialist at the NCUA, shares his extensive insights into member business lending. He discusses the significance of global cash flow in assessing borrowers and guarantors, emphasizing thorough due diligence. The importance of proper financial analysis in credit proposals is highlighted, focusing on trends in business performance and cash flow assessments. Vieton also explores the roles regulatory guidance plays in lending practices and the necessity of maintaining clear documentation for compliance and informed decision-making.
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Consistent Financial Analysis Is Key
- Conduct financial analysis with consistent, structured approach for accuracy.
- Review income trends, gross profits, net profits, and balance sheet impact carefully.
Connect Cash Flow to Balance Sheet
- Link cash flow analysis with balance sheet changes to understand funding sources.
- Check for unusual owner draws, receivables, or inventory shifts for true business health.
Educate Borrowers on Denials
- Explain loan denials clearly to borrowers to educate and improve future applications.
- Engage borrowers beyond sending declination letters to build trust and guide improvements.