Kyle Peterdy – Lending to Medical Professionals – CFI Education

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Exploring the Essential Features of “Kyle Peterdy – Lending to Medical Professionals – CFI Education”

Lending to Medical Professionals

Examine the unique risks and opportunities for a financial institution when lending to medical professionals

• Dive into different healthcare systems, business organizations, and corporate structures
• Explore the most common borrowing requests for medical professionals
• Learn how to analyze these unique financial statements before practicing on an example client

Overview

Lending to Medical Professionals Course Overview

Extending credit to medical professionals and their practices presents many unique risks and opportunities for a financial institution. This course on Lending to Medical Professionals examines these in specific detail, including what makes medical borrowers so different from more traditional commercial banking clients. We cover all the most important qualitative and quantitative factors influencing a borrowing request, including important adjustments to key financial ratios. We will use multiple Excel exercises, including a case study, to help illustrate the key takeaways and to practice working on real-world example borrowers.  

Lending to Medical Professionals Learning Objectives

Upon completing this course, you will be able to:

• Compare healthcare systems, types of practices, and the nature of care being delivered.
• Explain the difference between business and legal organizations and how different corporate structures may affect risk.
• Identify the most common borrowing requests for medical professionals and explain how they should be structured.
• Analyze financial results and make reasonable adjustments where appropriate.
• Interpret a borrower’s financial situation to inform corporate credit recommendations.
• Calculate adjusted ratios to assess a medical borrower.

Lending to Medical Professionals is an elective course of CFI’s CBCA®  program

CFI’s Commercial Banking & Credit Analyst (CBCA)™ Program offers skills including credit evaluation, documentation, and review procedures. From beginners to advanced users, the CBCA® program is designed to help you become a world-class commercial banker or credit analyst.  

Who should take this course?

This Lending to Medical Professionals course is designed for current and aspiring commercial banking professionals, including relationship managers or loan officers, credit analysts, loan brokers, and adjudicators. This course will prepare you with the knowledge to properly assess various borrowing requests for these unique business borrowers.

What you’ll learn

Introduction
Introduction 
Learning Objectives 
Download Course Files

Background & Context
Unique Risks of Medical Professionals 
Unique Opportunities 
Healthcare Systems 
Primary Care vs. Specialized Medicine
Inpatient vs. Outpatient Care
Types of Care – Financial Implications
Other Healthcare Providers
Interactive Exercise 1

Corporate Structure Considerations
Corporate Structures
Group Practices
Interactive Exercise 2

Typical Financing Requests
Typical Financing Requests
Working Capital
Gross, Adjusted and Net Fee for Service Revenue
Security Filings and Aging
Aged Receivable Example
Aged Receivable Adjustments
Interactive Exercise 3
Equipment Purchases
Building Improvements
Commercial Mortgages – Owner Occupied
Commercial Mortgages – Investment Properties
Intangible Transactions
Intangible Transactions – Equity Takeout
Interactive Exercise 4

Mid-Way Check-in
Mid-way Check-in

Financial Analysis
Financial Considerations – Personal Drawings
Personal Drawings Example
Personal Financial Situation
Personal Net Worth Statement
Normalizing EBITDA
Financial Ratios
Coverage
Leverage
Liquidity
Covenants
Interactive Exercise 5

Case Study – Dr. Singh Inc.
Client Background
Med Co. Financial Calculations
Hold Co. Financial Calculations
Ringfencing
Combined Financial Analysis
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Qualitative Considerations
Important External Drivers
Telehealth
Churn – Public vs. Private
Mitigating Churn During Transition
Fraud and Kickbacks
Insurance
Interactive Exercise 6

Conclusion
Conclusion

Qualified Assessments
Qualified Assessment

Please see the full list of alternative group-buy courses available here: https://lunacourse.com/shop/