Education Seminar

Analyzing Personal and Corporate Financial Statements and Tax Returns
Hyatt Regency in Newport Beach

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


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


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

David L. Kemp, President, Bankers Management, Inc. (BMI) 

Bankers Management, Inc. (BMI), formerly The Management Group, is a nationally recognized company in financial services training and bank consulting. Prior to forming BMI, Mr. Kemp served as Vice President, Director of Credit Services for Cannon Lending Schools, as well as through Banking Association sessions for individual financial institution.

Mr. Kemp has more than thirty years of management experience in consulting, training credit administration and new business development. Before joining Cannon, Mr. Kemp was Vice President Corporate Finance with Citicorp North America. He was responsible for Marketing Investment and Commercial Banking Services throughout the southeast. His areas of expertise include commercial lending, consumer lending, portfolio management, real estate lending, workouts, and director responsibilities. While with Citicorp, Mr. Kemp was assigned to serve as Senior Credit Officer, specializing in financing retail companies. He managed a workout process that saved more than twenty million dollars in planned charge-offs.

Prior to joining Citicorp, Mr. Kemp was a Branch Manager and Commercial Lender for First National Bank of Atlanta and Citizens and Southern National Bank. In additional to his banking background, he served as a consultant to small businesses in the area of finance, operations, marketing and sales. Mr. Kemp serves as a visiting professor and guest lecturer to many colleges and universities. He is past chairman of the Downtown Development Authority (City of Atlanta’s Board that owns the Underground Atlanta Project.) He is also past president of the Atlanta Urban Bankers Association

Registration Fees

Early-Bird Registration through August 19, 2013 (Extended!)
CBA Member: $795
Non-Member: $995

Regular Registration
CBA Member: $995
Non-Member: $1,195

Cancellation & 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 August 19, 2013 and 50% if by August 26, 2013. No refunds will be provided after August 26, 2013. Registrations made after August 26, 2013, 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

September 10 & 11, 2013
Hyatt Regency Newport Beach
1107 Jamboree Road
Newport Beach, CA 92660
(949) 729-1234

CBA has arranged a special rate of $155 per night. Includes discounted overnight parking and guestroom internet. Please call the hotel at (888) 421-1442 to reserve your room prior to August 20 or click on the following link to reserve online: Hyatt Regency Newport Beach Reservations

CBA will host self parking the day of the event.

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