Ten Things to Look For When Analyzing Profit and Loss Statements
The credit analysis process requires that a lender review a wide variety of financial information. This information includes profit and loss statements, which occasionally are the only financial information that borrowers provide to lenders.

This program will examine ten important things that every analyst and loan officer should look for when evaluating the information contained in profit and loss statements.

The objective of this program is to provide lenders with a simple checklist that they can utilize whenever they receive a business’ profit and loss statement information.  At the end of this program, participants will be more comfortable with knowing what to pay attention to when they analyze the profit and loss statement of a business.

Covered Topics

  • The Profit and Loss Statement:  What are its limitations?
  • Sales:  Is the business a growing concern?
  • Margins:  How do you calculate margins and what do they tell us about a business?
  • Cash Flow:  How do you calculate cash flow and what should you include in that calculation?
  • Onetime expenses or sources of income:  How should you treat them?
  • Profits:  What do they really tell us about a business?

Who Should Attend

  • 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.

Credit Information

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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