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Ratios & Covenants: What, Why, & When

February 21 @ 10:00 am - 11:00 am


Dev Strischek
Devon Risk Advisory Group


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This WiBinar will discuss credit risk as it relates to ratios and covenants. Additional discussion will cover the “triple trinities” of purpose, repayment ability, and structure. Hear how credit risk varies and how to create covenants and ratios that will protect the bank by helping to ensure that the borrower will repay on time, in full, and as agreed.

Learning Objectives:

Definition & explanation of use for ratios & covenants

Access credit risk by evaluating purpose, repayment ability, and structure

Review interplay of cash flow, collateral, and guarantees

Learn how financial performance and condition vary over borrower's life cycle

WiBinar Fees

Pricing For Price Season Pass
Bank Member $195.00 $0.00
Bank Nonmember $249.00 $0.00
Affiliate Member $195.00 $0.00
Affiliate Nonmember $249.00 $0.00

Season Pass Members recieve 4 individual logins to every WiBinar:



This WiBinar is ideal for:

Loan Officer, Relationship Manager, Business Banker, Commercial Lender

CPE Credits: 
1 CPE Credit


February 21
10:00 am - 11:00 am
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Western Bankers Association

As a result of an exciting merger finalized on January 1, 2018, the Western Bankers Association (WBA) is now the primary association operating two divisions: California Bankers Association (CBA) and Western Independent Bankers (WIB). CBA will oversee all California and federal legislative and regulatory advocacy efforts, while WIB will oversee all conferences and professional development programs. Members of the respective associations will now be members of WBA.

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