Tips for lenders when assessing SME profitability and cashflow ability to repay

Event Details


Date and Time

Tue, 17 August 2021

13:00 - 14:00


Online Via Zoom

Event Details


Date and Time

Tue, 17 August 2021

13:00 - 14:00


Online Via Zoom

Event details
  • What lenders need to know about the profit and loss account

  • Why is profit alone not a good enough measure of repayment ability

  • Understanding where cash to repay comes from

  • Getting the best from the Cashflow Statement

  • Mappng the profit to cash for repayment journey

  • What does the mapping of cash for repayment tell me

The event will be held over Zoom. Please ensure you have access to Zoom in advance of the event taking place. Zoom is available on all PCs, laptops, tablets and Apple or Android devices. The link to join the event will be emailed to registered members on the day of the event.

The registration for the event will close once we reach capacity or at 2pm the day before the event. 

There is 1 CPD hour available for the following areas

MCC Investment


Debt Management



Professional Banker

Noel McArdle

Hands on work experience:

Experienced professional in financial services with over thirty years hands on experience in the following key areas:

  • Personal/Retail Lending

  • Business Lending

  • Management of distressed borrowings

  • Management of personal credit and business credit underwriting teams


  • Credit reviewer with the Credit Review Office. This is a government body to which SME customers can appeal bank lending declines and get an independent review plus assistance in seeking to overturn the decline decision

  • I have established my own small business

Lecturing experience

  • Thirty years business and personal lending lecturing experience, developing/delivering credit and lending programmes leading to UCD level 8 and 7 qualifications with IOB

  • Business credit risk assessment lecturer on Chartered Accountants Ireland FAE Financial Services elective

  • I deliver credit and lending courses for financial institutions including the main stream banks, credit unions and other financial institutions

  • One to one coaching for business and personal lenders

Professional Qualifications

  • B Comm (Hon's) UCD by night study

  • FCCA by night study

  • Fellow of IOB

  • QFA

  • Fellow of the Sales Institute of Ireland

  • Developing an Effective Working Relationship with Premium Small Business - from Durham University Business School

  • Senior Management Programme - Delivered by Harvard Business School

  • Coaching Course delivered by Simon Tyler and Sean Weafer

Noel McArdle