Commercial Financial Analysis
(Part 1) Introduction to Financial Analysis
The Financial Analysis Process
Structure of the Income Statement & Balance Sheet
Financial & Accounting Terms
Key Factors Affecting Revenue, Costs & Income
Cash Vs Accrual Accounting
Evaluating the Quality of Financial Statements
Reconciling Net Worth
Determining NOI & DSC for CRE Loans
Sole Proprietorship (Schedule C) Cash Flow Analysis
Global Cash Flow Analysis of a Sole Proprietorship
An ideal seminar for those attendees new to the credit function that lack the confidence in reviewing financial statements and performing a credit analysis. Beyond the basics of financial analysis, the training focuses on the process of conducting an analysis. Case study for the seminar allows attendees to develop Global Cash Flow for a sole proprietorship business owner. Essential training for new credit analysts, small business lenders & commercial lenders.
Who should attend?
New credit analysts, small business lenders, commercial lenders or anyone inexperienced in analyzing financial statements or reviewing tax returns of a business owner. Case study for the seminar allows attendees to develop Global Cash Flow for a sole proprietorship business owner.
The Financial Analysis Process : The Steps in Performing a Credit Analysis.
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.
Using a business owner’s personal financial information and their federal tax 1040 tax return with schedule C & E, we determine Global Cash Flow. We judge the ability of the business owner to service a proposed real estate loan.
Introduction to Financial Analysis
CFA 2209 6/14
CFA 2210 6/21
CFA Online 9:00 am - 5:00 pm Central Time (8:00 - 4:00 Mountain)