2026 Ag Lending 201

AG LENDING 201 - VIRTUAL VIA ZOOM
9:00am - 12:00pm CST  |  March 26-27 & 30-31, 2026

Register Today - https://barretbanking.org/landings/ag-lending-201/

Learning Objectives

• Take basic ag ratios to the next level. Explore working capital ratio and operating expense ratio. Understand the importance of the ag underwriting process.
• Determining the repayment ability of the farm by using various ratios including the Term Debt Lease Coverage Ratio. Learning to understand passive/non-passive income, cooperative distributions and other non-farm items and their role in the determining capacity. 
• Learn to tell the story effectively. Loan presentations are a key part of the loan process. Hone your writing skills and understand the critical components of an ag loan presentation.
• Cash Flow Projections are the heart and soul of underwriting an ag loan. Learn how to properly work with projections, calculate projections, handle situations where cash flow is not sufficient and how to use cash flow as a way to enhance your ag relations. 

Schedule:
Day 1 - March 26
Orientation, Ag 101 Review, Working Capital and Operating Expense Ratios

Day 2 - March 27
Repayment Analysis

Day 3 - March 30
Loan Presentations - Tell the Story Effectively

Day 4 - March 31
Cash Flow Projections

About the Speaker:
William Ohlde
COO of Country Banker Systems

Will has been with Country Banker since 2017. He has a background as a credit analyst in addition to working with Country Banker, this provides a unique perspective to see both sides of the coin; building lending software as well as using it.