Ten Things to Look For When Analyzing Balance Sheets
The credit analysis process requires that a lender review a wide variety of financial information.
Balance sheets are among the most important types of financial information that potential (and current) borrowers provide to banks, credit unions, and other lenders.
This program will examine ten important things that every analyst and loan officer should look for when evaluating the information contained in balance sheets. This program will demonstrate the ways in which lenders can be more successful in the loan process and will identify the most important questions that they need to ask their business borrowers. At the end of this program, participants will be able to be more comfortable with knowing what to pay attention to when they analyze the balance sheet of a business.
- The Balance Sheet: What It says (and doesn’t say) about a business
- Current Assets: What they are and how quickly are they being converted into cash?
- Long-Term Assets: How are they being financed?
- Intangible Assets: Are they worth anything to a lender?
- Collateral: How should I value it?
- Net Worth: Is it understated or overstated?
- Credit Analysts
- Loan Officers
- Branch Managers
- Loan Committee Members
- Other personnel with lending responsibilities
Vincent DiCara is currently the owner of DiCara Training and Consulting LLC which he established in January of 2013. Formerly, he was the co-owner and founder of Development Finance Training and Consulting, Inc. (DFTC) which he established in 2003. Mr. DiCara has been involved in evaluating the credit needs of businesses for thirty years as a business advocate, lender, credit analyst and trainer. Since 1995, Mr. DiCara has developed and conducted a wide variety of training programs for individuals who work in the financial services industry sector. His training clients include organizations in the credit union, banking, economic development, and community development fields. Mr. DiCara’s training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.
Mr. DiCara is a graduate of Bowdoin College in Brunswick, Maine and received a Masters Degree in Public Administration from the University of Maine. A native of Boston, Massachusetts, he has been a resident of the State of Maine for the last thirty-eight years.
Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2.5 CE Credits
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