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Qwoted is a free expert network: we help reporters connect with experts & we help those same experts build relationships with top reporters.

Event Date Tue Apr 13 EDT - Thu Apr 15 EDT (over 1 year ago)
Location Virtual
Region All

Want to learn how to analyze personal and business financial statements and tax returns in a compact, intense, case-based three-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!)

Who Should Attend?
Credit analysts, portfolio managers, assistant relationship managers, community bankers, small business lenders, commercial lenders, consumer lenders, branch managers that lend to business owners, private bankers, special assets officers, loan review specialists and others involved in business and commercial lending.

Day 1: Personal Financial Statements and Tax Returns plus Personal Cash Flow
• Introduction to Personal Financial Statements
• How Personal Financial Statements are Constructed
• Basic Ratios Used in PFS Analysis and Case Example
• Introduction to Personal Tax Returns
• Personal Cash Flow Cases

Day 2: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 3: 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


2021 Speaker

Richard Hamm
President, Advantage Consulting & Training