Rural Financial Markets and Financial Planning AGEC 489/689 Spring Semester 2008.

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Presentation transcript:

Rural Financial Markets and Financial Planning AGEC 489/689 Spring Semester 2008

Course Design 1.Financial planning decisions facing borrowers 2.Credit and portfolio decisions facing lenders 3.Overview of lending institutions serving commercial agriculture and rural businesses 4.Hands on application of borrowing and lending decisions.

Both Sides of the Desk The borrower: Enterprise analysis Cash management Line of credit needs Operating loan application Investment planning Financing alternatives Term loan application Planning for long run

Both Sides of the Desk The borrower: Enterprise analysis Cash management Line of credit needs Operating loan application Investment planning Financing alternatives Term loan application Planning for long run The lender: Loan application analysis Credit scoring Loan pricing for risk Loan approval process Loan portfolio analysis Loan loss reserves Regulatory oversight Lending institutions serving commercial agriculture and rural businesses.

Career Interests Financial management of farm or ranch Financial planning consultant Credit analyst, Loan officer, Portfolio manager Bank examiner Other opportunities

Instructor Credentials oPast consultant to Federal Reserve System. oInvited presentations to President’s Council of Farm Credit System, the U.S. Treasury and numerous national credit audiences, including the American Bankers Association, the Board of Governors of the Federal Reserve System and the Farm Credit Administration. oPast consultant to large agricultural lending institutions. oPart owner of a commercial bank in north Texas.

Times Have Changed Financial planning requires knowledge of today’s markets and decision tools. Loan and portfolio analysis more data intensive. This course is designed to help you understand both sides of the lending desk and visualize potential career opportunities.