Tuesday
Jan 29
2019

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

Registration Options & Pricing

Please select your membership status.


Live Webinar Includes

  • One connection to the Live Webinar
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Presenter’s Contact Info for Follow-Up

Recorded Webinar Includes

  • Recording of the Live Webinar
  • Available 6 business days following Live date
  • Available for 6 months following Live
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Free Digital Download, yours to keep
  • Share link with anyone at your bank
  • Presenter’s contact info for follow-up
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12:00 pm – 1:30 pm PT
1:00 pm – 2:30 pm MT
2:00 pm – 3:30 pm CT
3:00 pm – 4:30 pm ET

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.

Continuing Education: Attendance verification for CE credits upon request

HIGHLIGHTS

  • 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

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.

 

NOTE:  All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

MEET THE PRESENTER

Young & Associates, Inc.
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