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. 

Seminar meets from 9:00 am to 5:00 pm  (Central Time)
Session Introduction to Financial Analysis
CFA 2421 7/23/24
CFA 2422 8/20/24
CFA 2423 8/27/24

Commercial Financial Analysis


July-August Seminars

CFA 2420  7/16-18 Closed

CFA 2421  7/23 - 7/25

CFA 2422  8/20 - 8/22

CFA 2423  8/27 - 8/29


CFA Training Fee

$675 per Attendee


 Sept - Oct Seminars

CFA 2424  9/17 - 9/19

CFA 2425  10/1 - 10/3

CFA 2426  10/15 - 17

CFA 2427  10/29 - 31 

Writing Credit



WCP 2405  9/3 

WCP 2406  9/5 


$275 per Attendee

C & I 

Working Capital Financing


WCF 2402   

Date to be announced

$275 per Attendee



On-Site Training 


CRE Lending