2020 CBAO Commercial Lending & Underwriting Academy - Part 1
2020 CBAO Commercial Lending and Underwriting Academy - Part 1
BUSINESS FINANCIAL STATEMENT & TAX RETURN ANALYSIS, PLUS BUSINESS CASH FLOW ANALYSIS
February 4, 2020 - February 5, 2020
Registration is $595 for CBAO members, $895 for non-members
Single day registration is available for $295 for CBAO members, $449 for non-member
Want to learn how to analyze business financial statements and tax returns in a compact, intense, case-based two-day session? Want to move beyond ratio analysis and into the operating, investing and financing cash flows of a business and how they affect loan repayment? What items should you comment on in the credit write-up? This commercial and industrial (C&I) workshop is your answer, whether you are new to lending and financial analysis, or even if you have been away from financial analysis for a while and need a refresher. (Bring your calculator and pencil!)
Day 1 – Business Financial Statements and Tax Returns
- Introduction to Business Financial Statements
- How Business Financial Statements and Tax Returns are Constructed (Accounting Refresher)
- More on Accrual Accounting Typically Used by Larger Businesses
- Ratio Analysis
Day 2 – Business Cash Flow Analysis
- Why You Need More Than Traditional Ratios and “Cash Flow” as Net Income + Depreciation + Interest Expense
- Building an Accountant-Based Statement of Cash Flows (SCF)
- Building, Understanding and Using the Banker-Based UCA Cash Flow Model
- Wrap-up: Best Practices for Better Credit Memorandums
Who Should Attend:
Credit analysts, portfolio managers, assistant relationship managers, community bankers, small business lenders, commercial lenders, branch managers (that lend to business owners), private bankers, special assets officers, loan review specialists and others involved in business and commercial lending
Meet the Facilitator: Richard Hamm
Richard has been training bankers for 27 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training. During his banking career, he was active within RMA’s chapter structure and served on several committees at the national level. Richard is a facilitator at Barret School of Banking and the Graduate School of Banking at Wisconsin. He has published 20 articles in The RMA Journal.