Credit Fundamentals for the New Credit Analyst

On-Demand Webinar
StreamedJul 28, 2021Duration90 minutes
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No formal training in accounting? No problem!

Designed for new commercial lenders and credit analysts, this session will explain the essentials of the accounting principles used to produce financial statements, how to calculate key credit ratios, and more.

  • Understand accounting principles used to create financial statements
  • Comprehend the major accounts on the balance sheet and income statement
  • Recognize how the income statement and balance sheet are related and provide a foundation for understanding ratio and cash flow analysis
  • Calculate key credit ratios when determining borrowers’ financial condition
  • Understand the purpose and reasoning for performing a cash flow analysis utilizing the modified uniform cash analysis method to compare the UCA method to the traditional


This webinar is designed for new credit analysts and credit analysts and/or commercial lenders (including branch managers) with no formal training in accounting and credit analysis. It will begin by explaining accounting assumptions and the rules of debits and credits used to prepare financial statements and tax returns. Then, the course will review the Balance Sheet, Income Statement, Statement of Retained Earnings, and Statement of Cash Flows by explaining the purposes of all statements and the meaning of common accounts found on them. With the knowledge gained to this point, techniques to spread financial statements will be covered to ensure the results will be reliable and basic credit, ratio, and cash flow analysis will be demonstrated to determine a company’s liquidity, leverage, operating performance, and cash flow generation capability. The focus will be on commercial and industrial type borrowers.


This webinar will benefit senior loan officers, credit analysts, senior credit officers, loan review personnel, commercial loan officers, consumer loan officers, branch managers, and credit administration support staff.


  • Financial factor ratio worksheet
  • Modified uniform cash flow analysis spreadsheet
  • Employee training log
  • Interactive quiz
  • Attendance certificate provided to self-report CE credits.

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.

Presented By

Jeffery W. JohnsonJeffery W. Johnson
Bankers Insight Group

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