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Business Accounting Essay

2000 words - 8 pages

APLIKASI KREDITPada bulan Desember 1981 , Roger Barr , wakil presiden dan account manager , menyelesaikan aplikasi kredit untuk pinjaman sebesar $ 20 juta untuk North Texas Cotton Cooperative2 ( NTCC ) . Sejarah kredit ini aplikasi menggambarkan peran manajer account Rabobank dan kontrol bank atas mereka .Roger Barr pernah bekerja di Bank of America ( B A ) sebagai petugas pinjaman di Agribisnis bagian dari kantor perusahaan San Francisco . Selama lima tahun di B dari A , Roger bekerja dengan berbagai perusahaan agribisnis . pada saat itu waktu , Hugo Steensma adalah kelompok wakil presiden dari kantor perusahaan di San Francisco B dari A. Dengan demikian , Hugo tahu karya Roger , dan itu ...view middle of the document...

Roger diringkas nya perasaan pada pertemuan pertamanya dengan NTCC .Ketika aku keluar dari pertemuan pertama dengan NTCC , saya cukup yakin bahwa mereka tertarik dalam pinjaman jangka . Mereka telah memiliki dua tahun yang buruk dan pinjaman pada tingkat yang tepat di puncak mereka dasar pinjaman . Mereka ingin tingkat bunga tetap dan telah berpikir tentang penempatan pribadi , tapi bunga Harga yang tinggi itu dan mereka tidak ingin menguncinya dengan pinjaman jangka panjang . Mereka ingin mendapatkan Komitmen jangka menengah dan kemudian memiliki fleksibilitas berguling menjadi sesuatu yang lain . Itu standar hal yang telah kita lakukan , jadi saya mengusulkan selama yang pertama rapat, dan mereka cukup reseptif .Pada perjalanan ini , Roger juga bertemu dengan seorang teman lama , George Dickhaut , COO dariTexas Bank Koperasi . The Texas Bank Koperasi adalah pemberi pinjaman utama untuk NTCC , dan George menyatakan minatnya untuk memiliki Rabobank menjadi pemberi pinjaman NTCC . Roger menjelaskan :Dia tahu NTCC sedang mengalami beberapa masalah dan bahwa sesuatu yang harus dilakukan , dan banknya sudah cukup mendalam terlibat dalam industri kapas . ini adalah informasi penting karena kita ingin lakukan hal-hal dengan bank untuk koperasi , dan tidak bersaingdengan mereka .Setelah kembali ke New York , Roger menulis kepada NTCC menguraikan apa yang telah mereka diskusikan . jadilah juga telah menyiapkan beberapa analisis kredit yang member dia gambaran bagaimana pinjaman akan harus terstruktur ( mis. jenis pembayaran , pembatasan keuangan ) .NTCC sangat tertarik , tapi ditangguhkan diskusi sampai musim gugur . NTCC mengatakan bahwa mereka berada di tengah-tengah beberapa hal lain , termasuk negosiasi untuk membeli sebuah perusahaan kapas gin lokal .Kemudian musim panas itu , Roger mendapat telepon dari Nat Hawthorne , rekannya di Credit Agricole . Nat menyarankan partisipasi 50-50 dalam situasi NTCC , dan Roger setuju .Pada bulan Oktober , NTCC menelepon kembali . Roger berkumpul informasi lebih banyak tentang perusahaan dan mengunjungi NTCC lagi. Ia menghabiskan beberapa hari on-site dan beberapa minggu mempersiapkan formal nota kredit. Mereka memutuskan pada sevenyear baru Pinjaman sebesar $ 40 juta, dimana $ 11.000.000 akan digunakan untuk mengurangi utang jangka panjang yang ada diperpanjang oleh Texas Bank Koperasi . Partisipasi Rabobank akan menjadi $ 20 juta, dengan amortisasi di 16 pembayaran triwulanan $ 1.250.000 mulai 31 Mei 1985 . harga tersebut adalah biaya 1/2 % pada penutupan dan tingkat suku bunga sebagai berikut :Tahun Term Fed Funds Rate Ditambah1-3 1 %4-5 1 1/2%6-7 1 3/4%Pinjaman ini sepenuhnya dijamin dengan tanaman dan bangunan dianggap memiliki nilai pasar jauh lebih dari nilai pinjaman . Daftar restriktif kovenan ini dimasukkan. Garis besar formal, 17 - halaman paket aplikasi kredit yang diajukan kepada Komite Kredit ditampilkan dalam pameran 8 . Exhibit 9 menyajikan aspek-aspek positif dan negative pemberian pinjaman...

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