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Guest: Vin Vieten, former NCUA Senior Credit Specialist

Key Topics:
- Financial analysis for commercial lending
- Credit proposal best practices 
- Global cash flow analysis

Key Takeaways:

1. Financial Analysis:
   - Should be well-organized, consistent, and comprehensive
   - Analyze 3+ years of financial performance to establish trends
   - Examine income statement, balance sheet, and cash flow
   - Provide value to borrowers through expert financial review

2. Credit Proposals:
   - Use a standard, logical format 
   - Include key information like ownership structure, industry analysis, repayment ability
   - List all direct and related debt to show total relationship exposure
   - Assign and justify an appropriate risk rating
   - Highlight exceptions to policy on the cover page

3. Global Cash Flow:
   - Analyzes borrower, guarantor, and related entities to understand overall risk
   - Depth of analysis depends on transaction complexity and risk level
   - Should drive understanding of risk, not just regulatory compliance
   - Default expectation is to obtain guarantees; exceptions must be well-documented

Resources Mentioned:
- NCUA Examiner's Guide on financial analysis and credit approval documents
- Preamble to the proposed MBL rule from July 2015

Contact: 

https://www.linkedin.com/in/mark-treichel/