The Wisconsin Bankers Association will be hosting Agricultural Lending School on July 29 – July 31, 2025. There will be an optional Pre-School workshop on July 28. This school was developed as an intermediate-level school. The school is designed for those who have a few years of experience or those who would like to refresh their knowledge. The curriculum includes case studies, in-class work, class discussions, and a farm visit.
The optional workshop is geared towards those ag lenders and credit analysts who would like to strengthen their foundational knowledge of ag financial statements, the 6 C’s of Credit, and look at some initial ratios. The 3-day school curriculum is based on attendees having an intermediate-level knowledge of these topics.
Curriculum Includes:
- “Lenders’ Lens” on Agriculture Today
- Cyclical Nature of Agriculture
- Borrower and Lender Relationship
- Agricultural Financial Statements
- Farm Business Financial Model for Informed Decisions
- Cash Flow Budgeting
- Introduction to Financial and Credit Analysis
- Financial and Credit Analysis
- Risk Management
- Commodity Marketing
- Credit Structuring
- Credit Enhancements
- Loan Narrative/Credit Presentation
- Farm Visit & Recap
- Introduction to Problem Loans
- Looking for Red Flags
- Bank Policy
- Preparing for Loan Committee
Optional Pre-School Workshop Curriculum Includes:
- Farm Business Financial Model for Informed Decisions – a focus on the building of financial statements
- Balance Sheet
- Income Statement
- Statement of Cash Flows
- Reconciliation
- The Building Blocks for Credit Decision Making – the 6 C’s of Credit
