Financial Analysis Toolkit Part 1 - Personal Financial Statement Analysis

This tele-web seminar will begin on Thursday, February 16, 2012 at 11:30 AM to 1:30 PM Pacific Time.

Financial strength and ability to repay must be the primary focus of credit underwriting. However, analysis of personal financial condition is substantially different from financial information provided by business borrowers. Case study exercises will help participants better utilize the information provided and the analysis techniques presented.

Highlights

• Why analysis of personal financial information is increasingly important to consumer and commercial lenders
• Personal financial information constraints and requirements
• Analysis tools (Adjusted Net Worth) to more realistically evaluate financial strength
• Determining debt repayment ability by analyzing individual cash flow using tax returns and other tools
• Simple ratios which provide understanding of the borrower�s cash flow, liquidity and financial soundness.

Audience

The series is taught at the basic level; however, it is appropriate for new and experienced personnel. Consumer and commercial lenders, credit analysts, loan review and department managers will benefit.

Speaker

Bob Ullom, a nationally recognized banking educator, began his career as a CPA who came to banking in 1970 to establish a credit analysis function. Bob has been president of two start-up banks and led both fast growing institutions to profitable, sound status. Since 1989, Bob has provided relevant, “real world” training in over 35 states for bankers associations and individual banks. He is currently presenting a wide variety of seminars dealing with all areas of lending and credit management, management in a changing banking environment, bank directors and compliance.

Credit Information

2.0 total credits

Pricing

Member price: $250.00 | Non member price $500.00