By evaluating each of the Five Cs, bankers can provide valuable advice to borrowers on how to improve their creditworthiness. This can help borrowers to secure financing in the future and build a strong financial foundation for their business.This simple credit model is simple to understand and easy to use. The speaker explains how lenders assess each of these factors and provides practical tips for borrowers to improve their creditworthiness. Attend the session to see the big picture for credit analysis and underwriting.Learning Objectives The first four C’s - capacity, conditions, collateral, and character evaluate a borrower’s ability to repay, but character forces the lender to examine closely the borrower’s willingness to repayLearn how to employ the first four C’s to analyze repayment abilityLearn how to use the fifth C- character - to judge a borrower’s willingness to repayAreas CoveredIntroduction to the Five Cs of Commercial CreditExplanation of each of the Five Cs: Character, Capacity, Capital, Collateral, and Conditions - Capacity measured by the ability to repay from cash flow - Conditions evaluated in terms of how borrowing needs change over the business cycle and what makes some industries more vulnerable to downturns than others - Collateral analysis in terms of relative liquidation values - Capacity considered in terms of the borrower’s equity cushion and the degree of relative leverage possible - Character assessed in terms of willingness to repay as evidenced by payment history as well as tips for fraud preventionWho Should AttendSmall business ownersCredit analystsLoan underwriters, Loan review officersCommercial bankers, Credit department managersSenior lenders, Chief credit officers, Credit analystsCredit managers, Credit risk managersRisk managers, Enterprise risk managersChief credit officers, Senior lending officerBank director, Chief executive officerPresident, Board ChairmanFinancial professionals, such as accountants, bookkeepers, and financial advisors Entrepreneurs who are starting a new business and need financingWhy Should You AttendBy evaluating each of the Five Cs, bankers can provide valuable advice to borrowers on how to improve their creditworthiness. This can help borrowers to secure financing in the future and build a strong financial foundation for their business.Bankers have relied on the 5 C’s of credit - capacity, conditions, collateral, capital, and character for many years, but what do these terms mean, and how do lenders use them to determine whether a potential borrower is creditworthy? This simple credit model is simple to understand and easy to use. The speaker explains how lenders assess these factors and provides practical tips for borrowers to improve their creditworthiness. Attend the session to see the big picture for credit analysis and underwriting.Topic BackgroundThe Five Cs of Credit is a framework used by commercial lenders to assess the creditworthiness of businesses. By understanding the Five Cs of Commercial Credit, bankers can evaluate the risk in lending to a particular borrower and make informed lending decisions. This helps banks manage their risk exposure and ensure they are lending responsibly.