Education & Events

Financial Statement & Cash Flow Analysis Bootcamp

Mar 19, 2019 to Mar 20, 2019
IBA Center for Professional Development
8425 Woodfield Crossing Blvd., Suite 155E
Program Overview: 

PDF Brochure

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?  This 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 New Income + Depreciation + Interest Expense
  • Building an Accountant Based Statement of Cash Flows (SCF)
  • Building, Understanding and Using the Banker-Based UCA Cash Flow Model



Richard Hamm 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.  His clients include:

  • National associations such as the American Bankers Association (ABA) and the Risk Management Association (RMA)
  • Regional banking schools such as the Graduate School of Banking at Colorado and other major schools
  • State banking and community banking associations in ten states
  • Plus individual banks

He is based in Huntsville, AL and has owned/operated Advantage Consulting & Training for 13 years, after a 22-year banking career including senior positions in lending and credit, plus president during the formation of a community bank. He has BS and MBA degrees from the University of Alabama.


8:30 a.m. Registration & Continental Breakfast
9:00 a.m. Program Begins
12:00 Noon Lunch (included)
1:00 p.m. Program Resumes
4:00 p.m. Program Adjourns

The schedule will be the same for both days.


These seminars will be held at the IBA Center for Professional Development, 8425 Woodfield Crossing Blvd. Suite 155E, Indianapolis, IN  46240.




The following fees include the program, training materials, continental breakfast, lunch & refreshments:

IBA Members
$425 for Both Days
$310 Additional Attendee
$225 Financial Statements (Day One) Only
$225 Business Cash Flow (Day Two) Only

$850 for Both Days
$450 Financial Statements (Day One) Only
$450 Business Cash Flow (Day Two) Only

Participation in IBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or non-member rates.

Additional Information: 

Audience Profile: Credit analysts, 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.  

Image Use Policy: Registration in IBA events constitutes an agreement to the IBA’s use and distribution of the attendee’s image or voice. Details:

Association Contact: 

If you have any questions please contact Elizabeth Kilty at 317-387-9380 or via e-mail at

Cancellation Policy: 

Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. Within two days prior, 50% of the fee is assessed. Refunds are not provided for cancellations the day before or absences on the day of the program. Substitutions are welcome at anytime.

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