Day 1

     Introduction to Financial Analysis

Day 1 begins by focusing on the process of conducting a credit analysis of a commercial borrower. Beyond the technical analysis of the financials, attendees review how interpretive analysis plays a major role in underwriting commercial loans. In this first day, we set the stage for how a commercial bank evaluates credit risk.

 

Seminar Topics 

  • The Financial Analysis Process: The Steps in Performing a Credit Analysis.
  • The Chief Credit Officer’s Perspective
  • Understanding the Key Accounting & Financial Terms found in Financial Statements.
  • Sources of Information for Performing a Credit Analysis.
  • Basic Structure of the Income Statement and Balance Sheet
  • Analyzing the Income Statement:  Identifying the Key Accounts.
  • Operating Factors Affecting Revenue, Costs and Income.
  • Recognizing the Differences between Cash Basis and Accrual Accounting.
  • Analyzing the Balance Sheet: Estimating Liquidity, Capacity and Leverage.
  • Reconciling Net Worth 
  • Identifying Contingent Liabilities of a Business.
  • Evaluating Compiled, Reviewed and Audited Financial Statements.
  • Determining Net Operating Income and Debt Service Coverage for a CRE Property.

 

Case Study:
Using a business owner’s personal financial information and their federal tax 1040 tax return with schedule C & E, we determine the borrower’s Global Cash Flow. We judge the ability of the business owner to service a proposed real estate loan. 

Seminars meet from 9:00 am to 5:00 pm  (Central Time)

 

Upcoming Seminars
 

February 

CFA 2503 2/18 - 2/20  (Registration Closed)

 

March

CFA 2504 3/4 - 3/6
CFA 2505 3/18 - 3/20

 

April - May

CFA 2506 4/1 - 4/3
CFA 2507 4/29 - 5/1

CFA 2508 5/13 - 5/15
CFA 2509 5/20 - 5/22

March

CFA 2504 3/4 - 6

CFA 2505 3/18 - 20

 

April - May

CFA 2506  4/1 - 3

CFA 2507  4/29 - 5/1

CFA 2508  5/13 - 15

CFA 2509  5/20 - 22

 

CFA Training Fee

$675 per Attendee 

Writing Credit

Presentations

 

WCP 2503 4/22

WCP 2504 4/24

 

$275 per Attendee

C & I 

Working Capital Financing

 

WCF 2502  4/23 

 

$275 per Attendee

 

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