Decrypting Personal Tax Returns Part 1: Form 1040, Schedules B & C

Human Resources Lending

On-Demand Webinar

StreamedFeb 23, 2026Duration90 minutes

Unlimited & shareable access starting two business days after live stream
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Take-away toolkit
Ability to download webinar video
Presenter's contact info for questions

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Unlock the secrets behind personal tax returns to reveal true cash flow — the key to loan repayment.

Learn how to decrypt Form 1040, Schedules B and C, and convert taxable incomes into reliable monthly or annual cash flow statements. With practical techniques and the free Lenders Tax Analyzer© software provided, you will gain the skills to transform tax data into actionable insights for credit scoring, debt-to-income analysis, and disposable income calculations.

KEY WEBINAR TAKEAWAYS

Learning that just because an income is taxed doesn’t mean the income exists
Understanding the concept of recurring incomes as cashflows and ignoring the rest
Determining cash flows from interest earning investments and dividend producing investments
Calculating the cash flow from Schedule C – Sole Proprietorships

BONUS MATERIALS

Every participant will receive a free copy of the popular Lenders Tax Analyzer© software for personal income tax returns

WEBINAR DETAILS

What does a lender need from a personal tax return? Cash flow. Cash flow pays back the loan. However, tax returns do not show cash flow directly. They show taxable incomes. Therefore, a lender needs the “secret code” to decrypt a tax return and obtain a reliable monthly or annual cash flow.

In Part 1 of this two-part series, you will learn to cash flow the front page of Form 1040, Schedule 1 (which covers a wide variety of taxable incomes), Schedule B (interest and dividend incomes), and Schedule C (sole proprietorship incomes). With this process, and the free Lenders Tax Analyzer© software that each registrant receives, you learn an easy and reliable method to convert a borrower’s personal tax return (Form 1040) into a borrower’s cash flow statement.

WHO SHOULD ATTEND?

Chief Lending Officers
CSRs
New accounts personnel
Loan officers
Loan underwriters
Loan sales officers
Credit analysts
Loan processors
Branch managers
CEOs
Other key staff in the lending process

TAKE-AWAY TOOLKIT

Employee training log
Interactive quiz
PDF of slides and speaker’s contact info for follow-up questions
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 institution is prohibited. Print materials may be copied for eligible participants only.

TESTIMONIALS

"This was one of the best tax return analysis webinars I've listened to. He covered the material in a way that made sense for a beginner but was also informative to someone who's been doing this for years. I'm anxious to sit in on Part II. I'm very impressed with this series so far!"

- Nicole, American Bank & Trust

"I thought that the presenter did an excellent job of breaking down the information. We had a new lender in the training who will find it really helpful. Plus, I learned a few things, and I have been doing this for 30+ years."

- Kathy, Baraboo State Bank