Advanced Cash Flow Analysis: Part 2 – Basics of Global Cash Flow Analysis

Are you getting a complete picture of your borrower?  Do you know the cash flow demands that may lurk behind guarantees your borrower has extended?

This seminar covers the two primary approaches to global cash flow (GCF) analysis being used by bankers, with example formats and several key analytical and conceptual issues that must be addressed. One area of concern is the income listed on page two of Schedule E compared to withdrawals or contributions shown on the related K-1s.  Another issue is how to adjust or reduce the personal cash flow for income taxes and living expenses.  This leads to a discussion of the advantages and disadvantages of adjusting for income taxes and living expenses, versus adjusting the required coverage factor.


  • Versions of GCF being used by bankers
  • Regulatory concept of global analysis
  • Analytical and conceptual issues:
    • Mixing two approaches to debt coverage
    • Giving credit for business earnings or amount distributed
  • GCF and the larger, global analysis of CRE owners/guarantors and related contingent liabilities
  • Some tax return basics/issues along the way


Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers.


Richard Hamm, Advantage Consulting &Training

Credit Information

Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2 hours/session CLBB


Live Webinar:

Member price: $265.00 | Non member price $530.00

On-Demand Webinar

Member price: $280.00 | Non member price $560.00


Online: Visit the CBA Webinar Catalog

Mail: Click here and mail completed form with check payable to ConferenceEdge to: (Mail at least 10 days prior to event)

1516 Xavier St., Ste 500, Denver, CO 80204

Phone: Call ConferenceEdge at (877) 988-7526 (credit card payments only)

Please Note:

  • Preferred Payment Method: Online
  • Please register online or by phone when paying with a credit card
  • Payment Must Accompany Registration – Invoices are Not Provided

Register online up to day of event. Earlier registration allows time to check your computer for an optimal experience.