Education Seminar

Analyzing Personal and Corporate Financial Statements and Tax Returns
Renaissance ClubSport Walnut Creek Hotel

One of the core elements in your commercial lending training.

This course will provide bankers (with the responsibility of examining personal and corporate financial statements and tax returns) a clear understanding of this type of financial source. The primary objective of having this required knowledge is to allow the banking analyst to determine the creditworthiness of current customers and prospects. 

We will start by identifying situations when personal financial statements and tax returns are required as opposed to a credit application, and then move on to identify the quality of the financial information and making necessary adjustments to reflect the true status of the borrower’s financial condition. 

Program Objectives

At the end of this program you will be able to:

  • Determine when to require personal financial statements
  • Make required adjustments to personal financial statements for cooperative borrowers and belligerent borrowers during a problem loan situation
  • Analyze a potential borrower’s personal and corporate financial statements and the major components
  • Calculate key ratios to determine liquidity, leverage, asset management, operations and cash flow
  • Determine how personal and corporate tax returns and relate to each other
  • Utilize key tax schedules including Schedules C, D, E, K-1 and others in your analysis

Agenda

The program will commence at 8:30 a.m. with breakfast and registration beginning at 7:30 a.m., and lunch at noon.

This course will familiarize participants with fundamental analytical tools including shaping a mental picture of your borrower based upon their organizational structure; key financial ratios to consider, cash flow analysis and global cash flow analysis. Specifically, the course will cover:

  • Knowing when to require personal financial statements
  • Making required adjustments to personal financial statements for cooperative borrowers and belligerent borrowers during a problem loan situation
  • Review of the personal and corporate financial statement and the major components
  • Calculation of key ratios to determine liquidity, leverage, asset management, operations and cash flow
  • Review of personal and corporate tax returns and how they relate to each other through a case study
  • Review of key tax schedules including Schedules C, D, E, K-1 and others

Audience

Junior commercial loan officer, new relationship manager, business banker, credit analyst, loan underwriter, loan support officer, loan review analyst, credit support officer, credit administration, portfolio manager, business development officer, loan officer trainee, branch manager, financial services officer, client services officer and personal banker.

Scheduled Speaker

Jeffery W. Johnson, Principal, Bankers Insight Group

Jeffrey Johnson started his career with SunTrust Bank in Atlanta as a management trainee and progressed to vice president and senior lender for SouthTrust Bank (a large southeastern regional bank) and senior vice president and commercial banking division manager for Citizens Trust Bank of Atlanta (Community Bank.)

Most of his career has been spent in credit administration, lending (commercial, consumer and real estate), business development, loan review, management, and training and development. He has managed loan portfolios representing a cross section of loan types including: large corporate, high net worth individuals, middle market companies, small businesses, real estate and nonprofit organizations and managed several loan officers with portfolio management responsibilities.

Johnson is now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, the Risk Management Association (RMA) and individual banks nationwide. He co-authored a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001.

Johnson earned a bachelors’ degree in accounting from Morehouse College in Atlanta, GA; a MBA in finance from John Carroll University in University Heights, Ohio; banking diploma from Prochnow School of Banking at the University of Wisconsin-Madison and a graduate certificate in bank management from the Wharton School of Business at the University of Pennsylvania.

Registration Fees

Early-Bird through March 10, 2014
CBA Member: $795
Non-Member: $995

Regular after March 10, 2014
CBA Member: $995
Non-Member: $1,195

Cancellation and Complaint Resolution Policy

Substitutions are allowed, at no additional cost. Written notice is required for all substitutions/cancellations. The full registration fee will be refunded if written notice is received by March 17, 2014 and 50% if by March 24, 2014. No refunds will be provided after March 24, 2014. Registrations made after March 24, 2014, are not subject to refund.

Complaints regarding this program should be directed to John Lingvall, VP, director of education at (916) 438-4428.

Location Information

April 9 – 10, 2014
Renaissance ClubSport Walnut Creek Hotel
2805 Jones Road
Walnut Creek, CA 94597
(925) 938-8700

The hotel is just a 5-minute walk from the Pleasant Hill BART station, your best option if you are coming from the SF Bay Area. And if you are flying in, go to SFO, then take BART to the hotel for just $11.

CBA has arranged a special rate of $167 per night. Please call the hotel at (800) 468-3571 and reference the California Bankers Association.

Credit Information

Program Level: Beginner

Prerequisites: Experience or training in accounting 

Advance Preparation: None

Method of Presentation: Group – Live (Lecture, Discussion, and Case Study)

Recommended CPE Credits: 12.0 Hours Maximum
(Estimated 4.0 Accounting, 4.0 Taxes, and 4.0 Specialized Knowledge and Applications) Sponsored learning activities are measured by program length, with one 50-minute period equal to one CPE credit. One-half CPE credit increments (equal to 25 minutes) are permitted after the first credit has been earned in a given learning activity. Please note that not all state boards have adopted this rule. Some participants may not be able to use one-half credit increments.

Commands