Through a mix of discussion, large and small group activities, and case studies, participants are better prepared to apply the content learned when they return to their jobs. The following cases are described in Lending to Wealthy Individuals:
- Andaja Chulah (Andy) owns 76% of AutoMart, a distributor of automotive parts. The company has over 5,000 customers and leases seven distribution centers. Chulah would like a $500,000 facility for short-term borrowing needs to take advantage of investments opportunities. Participants will have the opportunity to make appropriate value adjustments to Chulah's Personal Financial Statement, determine what of his cash flow is expected to recur, calculate his financial ratios, and make a recommendation regarding loan approval and terms.
- Brian Edwards is a fourth-generation real estate developer. While Brian has always maintained significant deposits with the bank, he has not previously asked for credit. He is now contemplating several loan possibilities as he begins to contemplate retirement. Participants will have the opportunity to review Brian's personal financial statement, most recent tax return, appropriate schedules and K-1s. Additionally, they will evaluate a full package of credit analysis related to Brian's requests before answering a series of questions designed to stimulate and conversation around the many facets of Brian's financial condition.