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 2405 3/5/24
CFA 2407 4/2/24
CFA 2408 4/16/24

Commercial Financial Analysis


2024 Thru April


CFA 2405  3/5 - 3/7

CFA 2406  Cancelled

CFA 2407  4/2 - 4/4

CFA 2408  4/16 - 4/18


CFA Training Fee

$675 per Attendee

Writing Credit



WCP 2401  2/27

(Session Closed)


WCP 2402  2/29


$275 per Attendee

C & I 

Working Capital Financing


WCF 2401    3/27

$275 per Attendee


CRE Lending 




On-Site Training