Getting the Story - Financial Statement Analysis Tools

Schedule of Topics:

October 16, 2017:  9:00am – 5:00pm
Assessing the Individual: Personal Financial Statements & 1040 Tax Return

October 17, 2017:  8:00am – 4:30pm
Accounting, Financial Statements & the Borrower’s Story

October 18, 2017:  8:00am – 3:30pm
Getting it Back: Cash Flow & Cash Analysis Tools

Cambria hotel & suites
5045 Eastpark Blvd.
Madison, WI 53718

Assessing creditworthiness of a borrower is about information. Each borrower will have opportunities and obstacles to repayment of the loan. Bankers need to use the information available to identify those potential issues. One of the primary sources will be the financial statements of the borrower. Financial statements are how the borrower keeps score on their management of the business. They represent how the borrower has responded to the marketplace factors impacting their business and themselves. Therefore, the banker can use the financial statements as a starting point in identifying the questions to ask about management performance. In “Getting the Story”, we will look at the issues of preparation of financial statements by the borrower; both Formal and Informal. Also, we will address the role of accountants, the use of financial statements in the credit decision process, and cash-focused analytical tools.

Financial Analysis is the tool we use to conduct a thorough assessment of commercial credit risk. Throughout the 3 days we will be working with the financial statement information but the focus will be on getting behind the numbers to address the credit risk issues impacting a borrower’s ability to repay.

In this multi-day seminar we will:

  • Discuss the use of informal financial statements as analytical tools. This will include a discussion of Personal Financial Statements, 1040 Tax Return, and Personal Cash Flow.
  • Review Accounting from the perspective of accountants. Then, shift to accounting for bankers and need to focus on cash outcomes.
  • Present a Financial Statement Analysis Framework for getting at the key aspects of business financial statement analysis. The Framework will address the three key components of financial analysis—Comparisons, Ratios, and Cash Flow.
  • Present and Discuss supporting cash analysis tools of Cash Drivers, Cash-to-Cash Cycle, and Cash Cycle.

Utilize small group exercises and homework to compliment the in-class topics.

Cost: $950* (includes light breakfast & lunch each day and materials – does not include lodging.)  Enroll by 7/1/17 and a second attendee’s registration fee is free!

Please call 608-241-7070 and mention you are with the Center for Financial Training [CFT] room block.  Rates are $82/night plus tax.  Room block expires on October 1, 2017.  After this date, rooms are subject to availability and at the prevailing rate.)

Registration Information: Fax (414-332-6478) or register online, no later than registration deadline: October 1, 2017

“Nice change to have class that gave an understanding of the numbers/ratios.  Too many classes are number oriented and no meaning behind them.  Will recommend to other employees.”

“I’ve been to other trainings that didn’t address the underlying issues, this did a good job of addressing the questions…”

“Exercises in class helped to cement the lessons taught in class.  Jeff is a great instructor with real life lessons added to class.”

“I have been to a few financial analysis classes and this one has been the most helpful. I enjoyed learning about what to look for in the numbers and statements we review at our bank.”

Register Now

Course / Seminar Type: In-Person Course / Seminar
Course / Seminar Category: Lending & Credit Training
Course / Seminar Code:
Course / Seminar Start Date: 10/16/2017
Course / Seminar Price: $950
Course / Seminar Location: Madison

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