2018 Analyzing Financial Statements, Seminar

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Commercial lending officers, credit department personnel, loan review personnel and operations personnel interested in learning more about commercial lending will benefit from this three-day course. 

• Mini-review of accounting;

• Balance sheet preparation and analysis;

• Income statement preparation and analysis;

• Relationship between balance sheet and income statement as shown by the statement of cash flow;

• How to tell if a borrower can repay the loan;

• How to analyze quality and liquidity of a borrower’s assets;

• How to determine the reliability of the financial statements;

• How to use ratios, spreadsheets and industry comparisons to determine the borrower’s financial strength;

• How capital expenditures affect the borrower’s repayment ability;

• How to match the sources of loan repayment to the purpose of the loan;

• How to prepare income, expense and cash flow projections; and

• How to get “working capital” loans repaid.