Credit Analysis & Underwriting Series: Analyzing Financial Statements for the Credit Analyst

Date: 
Jan 29, 2019
Program Overview: 

PDF Brochure   Tuesday, January 29, 2019       3:00 - 4:30 pm

Analyzing financial statements goes beyond EBITDA.  Proper analysis focuses on determining a borrower’s financial risk and assessing operating performance and cash flow, debt repayment ability, liquidity, leverage, and profitability.  The task is to determine the operating entity’s ability to generate sufficient cash for: 

  1. On-going operations
  2. Paying interest payments, current portion of long-term debt (CPLTD), and shareholder dividends
  3. Capital spending on plant, equipment, and other fixed assets 

If the operating entity does not generate sufficient cash from operations, it would have a financing requirement. The credit analyst needs to understand what outside sources the operating entity used to get cash and how much cash was obtained from each source.  This presentation will address the evaluation of financial risk through the analysis of the borrower’s financial statements.

 

 

Topics: 
  • Analyzing the cash flow statement
    • Operating performance
    • Investment activities and capital spending
    • External financing activities
  • Analyzing repayment ability
    • Operating entity
    • Global debt service coverage
    • Personal cash flow analysis
    • Stress testing
  • Other underwriting analysis issues
    • Liquidity and leverage analysis
    • Short- and long-term profitability
    • Whether a company can support additional debt 

Take-Away Toolkit

  • Employee training log
  • Quiz to measure staff learning and a separate answer key

 

Speaker: 

A thirty-year banking veteran, Wayne Linder was formerly the CEO of a community bank.  As a Senior Consultant with Young & Associates, Wayne works as a lending and management consultant.  He assists financial institutions under regulatory enforcement agreements, develops and implements written lending policies, and develops educational material for in-house lending training.  Wayne is a popular seminar speaker with both national and international experience.

 

Agenda: 

WHO SHOULD ATTEND
This presentation is for beginning, intermediate, and advanced credit personnel, including credit analysts, commercial loan underwriters and officers, loan review personnel, loan committee members, and credit risk management staff.

 

 

 

 

Fees: 

MEMBER

Live Webinar
    $255.00 Single Location
    $150.00 Each Additional Location

Recorded Webinar & Free Digital Download
    $255.00

Premiere Package (Live & Recorded Webinar with Free Digital Download)
    $375.00

NON-MEMBER

Live Webinar
    $510.00
    $300.00 Each Additional Location

Recorded Webinar & Free Digital Download 
    $510.00

Premiere Package (Live & Recorded Webinar with Free Digital Download)
    $750.00

Association Contact: 

If you have any questions or need additional information, please contact Marcy Borden at 317-387-9380 or mborden@indianabankers.org

Cancellation Policy: 

Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. If your bank is unable to participate after registering, you can select to purchase the on-demand presentation.

Webinar Options: 

1.  Live Webinar
The LIVE WEBINAR option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number & pass code that will allow entrance to the seminar. Seminar materials, including instructions, pin number, and handouts will be emailed to you prior to the broadcast.  You will need the most current version of Adobe Reader available free at www.adobe.com.

2.  Recorded Webinar & Free Digital Download
Can’t attend the live webinar?  The recorded webinar & Free Digital web link is a recording of the live event, including audio, visuals, & handouts. We even provide the presenter’s email address so you may ask follow-up questions.  Approximately one week prior to the webinar, you will receive an email with the web link.  This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.  

LIMITED AVAILABILITY:  The Recorded Webinar & Free Digital Download web link may ONLY be ordered for 6 months following the webinar.

3.  Both Live Webinar & Recorded Webinar & Free Digital Download
Includes options 1 and 2 above

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