Financial Statement Analysis Course: Principles and Techniques for Credit Analysts, Commercial Lenders, and Loan Review Professionals

This full-day course provides lending professionals with a thorough discussion of both business and personal financial statements. The concept of cash flow is presented as the key factor in determining repayment ability. Participants learn to use information derived from specific formulas and ratios, and they learn to incorporate the Statement of Cash Flows into their analysis. They also discover how to go beyond the numbers to learn the root causes of fluctuations in financial statements. A case study is used for practical application throughout the course, and participants are asked to actively participate in the program. Here is the course outline and further information...

Outline:
Types of Financial Statement and Variations in Quality
Identifying Special Situations, Warnings, and Potential Fraud
Spreading Financial Statements
Ratio and Breakeven Analysis
Using Cash Flow Analysis and Debt Service Coverage Ratios to Determine Repayment Ability
Exercise: Line by Line Construction of the Statement of Cash Flows
Analyzing and Preparing Projections
Exercise: Sensitivity Analysis in Projections
Assessing Business Plans and Management Ability
Loan Structuring, Types of Commercial Loan Facilities, and Reasons for Borrowing
Personal Financial Statements and Tax Returns
Collateral and Personal Guarantees
How to Write a Loan Presentation

This course is available for in-house presentation at your bank.  It can even be tailored to meet your specific needs.  Leave a comment below to contact us.
 

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