Commercial Lending School, Day 4

Commercial Lending School

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Day 4

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Session Information
Speaker

Day 5

Commercial Lending School, Day 4

Thursday emphasizes financial analysis, guiding participants through evaluating key performance indicators using historical financial data. Attendees will learn how to interpret financial statements and tax returns to assess a borrower’s financial health accurately.

Watch Recorded Event COMING SOON!

Day 4 Resources

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Day 4 Session Information

THURSDAY, SEPTEMBER 11 | 9:00am - 3:30pm

ASSESSING BORROWER FINANCIAL PERFORMANCE

Objective evaluation of a company’s success in managing the critical key variables.

Learning Objectives
At the end of this session, you will be able to:

• Describe the objectives of financial analysis
• Describe the legal structures used by borrowers
• List the six components of financial statements
• Define the types of opinions rendered by accountants
• Utilize five tools of historical analysis—component, comparative, common-size, ratio and cash flow analysis
• Complete a “30 Second” analysis
• Complete a Loan Screening Worksheet
• Evaluate a personal financial statement and adjust net worth
• Interpret the nine most common schedules included in a personal tax return
• Construct a personal cash flow
• Construct a global cash flow
• Interpret Schedules M-1 and M-2 of a business tax return
• Apply the tools of historical analysis in a series of exercises

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Day 4 Speaker

Derrick Jackson

EVP & Chief Credit Officer

First Savings
Bank

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