How tariffs impact a borrower's ability to replay

Overview

Tariffs can significantly affect a borrower's financial performance by increasing operating costs, disrupting supply chains, reducing profit margins, and straining cash flow. As global trade policies continue to evolve, lenders, credit analysts, and financial professionals must understand how tariffs influence a borrower's financial condition and their ability to meet debt obligations.

This practical webinar explores the direct and indirect effects of tariffs on businesses across various industries. Participants will learn how tariffs impact revenue, expenses, working capital, profitability, and cash flow, as well as how these changes affect creditworthiness and repayment capacity. Through real-world examples and case studies, attendees will gain practical techniques for incorporating tariff-related risks into credit analysis and lending decisions.

Why You Should Attend

Tariffs can create financial stress even for otherwise healthy businesses. Increased import costs, supply chain disruptions, inflationary pressures, and changing customer demand can reduce cash flow and weaken a borrower's ability to repay loans. Understanding these risks enables lenders and financial professionals to make better credit decisions and proactively manage portfolio risk.

By attending, you will learn how to:

• Understand how tariffs affect business operations and financial performance

• Evaluate the impact of tariffs on borrower cash flow and profitability

• Assess repayment capacity under changing economic conditions

• Identify industries most vulnerable to tariff-related risks

• Strengthen credit analysis and underwriting decisions

• Improve risk management and portfolio monitoring strategies

Who Will Benefit

This webinar is ideal for:

• Commercial Lenders

• Credit Analysts

• Loan Officers

• Underwriters

• Chief Credit Officers

• Risk Management Professionals

• Financial Analysts

• Bank Examiners

• Treasury Professionals

• Business Bankers

• CFOs and Finance Leaders

• Commercial Relationship Managers

• Anyone responsible for evaluating borrower financial statements or making lending decisions

Areas Covered in the Session

• Understanding Tariffs and Their Impact on Business Operations

• How Tariffs Affect Revenue, Profit Margins, and Operating Costs

• Supply Chain Disruptions and Working Capital Challenges

• Evaluating Cash Flow and Debt Repayment Capacity

• Industry-Specific Risks and Borrower Exposure to Tariffs

• Assessing Liquidity, Profitability, and Financial Stability

• Identifying Early Warning Signs of Credit Deterioration

• Stress Testing Financial Projections Under Tariff Scenarios

• Best Practices for Credit Analysis and Loan Underwriting

• Real-World Case Studies and Risk Management Strategies