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 2325 10/10/23
CFA 2326 10/24/23
CFA 2327 11/7/23
CFA 2328 11/28/23

Commercial Financial Analysis


2023 Thru November

CFA 2325 10/10 - 12

CFA 2326 10/24 - 26

CFA 2327  11/7 - 11/9

CFA 2328  11/28 - 30


CFA Training Fee

$675 per Attendee

Writing Credit



WCP 2305  10/17/23

WCP 2306  10/19/23


$275 per Attendee

C & I 

Working Capital Financing


WCF 2302 

Thursday 11/16/23


$275 per Attendee


CRE Lending 




On-Site Training