Participants review the generally accepted definition of each of the five Cs of credit - capacity, capital, character, collateral, and conditions. They examine the various measures lenders use in assessing a borrower's ability to honor each of the five Cs, such as the use and application of a) traditional cash flow or b) the Uniform Credit Analysis (UCA) cash flow statement in assessing a borrower's capacity to meet its interest-bearing debt service. Further, Participants explore the likely different outcomes in supporting or denying a commercial business loan request that result from applying different measures within one or more of the five Cs of credit. In addition, they identify those Cs of credit, which are based primarily on objective data and interpretation and those that are based primarily on subjective data and interpretation. Finally, webinar Participants explore the critical importance of "character" in any credit assessment and the perils of extending credit if doubts about a borrower's "character" exist - especially in bad times.