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Considerations in the analysis of short-term credit

Thursday, November 6, 2025
2:00 PM ET / 1:00 PM CT

Short-term credit is among the most common yet complex types of business financing. Because these facilities are closely tied to working capital management and repayment timing, traditional cash flow analysis doesn’t always tell the full story. Lenders need a specialized approach to evaluate repayment capacity, structure deals effectively, and mitigate risk. 

Join this session to explore the fundamentals and nuances of short-term credit. You’ll gain practical strategies to strengthen your credit analysis, better understand borrower behavior, and manage exposure in dynamic business cycles.

You will learn:

  • How short-term credit functions within the business and working capital cycle 
  • Ways to evaluate repayment capacity beyond traditional cash flow measures 
  • Best practices for structuring and managing risk in short-term facilities 
  • Special considerations for industries such as construction and contracting 

Meet Your Presenter

Kent Kirby

Senior Consultant, Portfolio Risk
Kent Kirby is a retired banker with over 39 years of experience in all aspects of commercial banking: lending, loan review, back-room operations, credit administration, portfolio management and analytics and credit policy.  As Senior Consultant in the Portfolio Risk practice, Kirby assists institutions in the review and enhancement of commercial

Full Bio