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 2303 2/21/23
CFA 2304 3/7/23
CFA 2305 3/21/23

Commercial Financial Analysis


2023 1st Quarter


CFA 2301  1/24 - 1/26

CFA 2302  1/31 - 2/2

      Sessions closed

CFA 2303  2/21 - 2/23
CFA 2304 
 3/7   - 3/9

CFA 2305  3/21 - 3/23

CFA Training Fee

$675 per Attendee


Writing Credit



WCP 2301   3/28


WCP 2302   3/30


WCP Training Fee

$275 per Attendee