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

Webinar OR Recorded Webinar + Free Digital Download 

Tuesday, January 29, 2019

 12:00 pm – 1:30 pm Pacific

1:00 pm – 2:30 pm Mountain

2:00 pm – 3:30 pm Central

3:00 pm – 4:30 pm Eastern

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.

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

Attendance verification for CE credits provided upon request.

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.

Please note:  The live webinar option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone.

ABOUT THE PRESENTER – S. Wayne Linder, Young & Associates, Inc.

A thirty-year banking veteran, Wayne Linder was formerly the CEO of a community bank.  As a Senior Consultant with Young & Associates, Wayne works as a lending and management consultant.  He assists financial institutions under regulatory enforcement agreements, develops and implements written lending policies, and develops educational material for in-house lending training.  Wayne is a popular seminar speaker with both national and international experience.

THREE REGISTRATION OPTIONS 

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

1.  LIVE WEBINAR

The live webinar option allows you to have one internet connection from a single computer terminalYou may have as many people as you like listen and watch from your office computer.  Registrants receive a website address and passcode that allows entrance to the seminar.  The session will be approximately 90 minutes, including question and answer sessions.  Seminar materials, including instructions, passcode, and handouts will be emailed prior to the broadcast.  You will need the most-current version of Adobe Reader available free at www.adobe.com.

2. RECORDED WEBINAR + FREE DIGITAL DOWNLOAD

Can’t attend the live webinar?  This option provides a recording of the live event, including audio, visuals, and handouts.  We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 6 business days after the webinar.  You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.

The recorded webinar may ONLY be ordered for 6 months following the live webinar.  In addition, the download must be completed within 6 months of the live webinar date.

3. BOTH LIVE WEBINAR & RECORDED WEBINAR + FREE DIGITAL DOWNLOAD

Options 1 and 2 described above.

 AFFORDABLE, PROFESSIONAL TRAINING, WHEN AND WHERE YOU CHOOSE