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Our League webinars offer training on topics for all aspects of credit union operations. You'll have the choice to participate in the live webinar only, purchase the recorded webinar or both. Included with all League webinars are the training log, quiz and answer key. 

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From time-to-time our webinar calendar will also show webinars from system partners. This is done as a courtesy to further your learning options and you should contact the system partner for details on those webinars.


Analyzing Financial Statements for the Credit Analyst

This presentation will address the evaluation of financial risk through the analysis of the borrower’s financial statements.

Jan 30, 2019 02:00 PM   -­­  Jan 30, 2019 03:30 PM
CT
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Type of Event
Webinar

Who Should Attend
  • Webinars
  • Lenders

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Description

Analyzing financial statements goes beyond EBITDA. Proper analysis focuses on determining a borrower’s financial risk and assessing operating performance and cash flow, debt repayment ability, liquidity, leverage, and profitability. The task is to determine the operating entity’s ability to generate sufficient cash for:

  1. On-going operations
  2. Paying interest payments, current portion of long-term debt (CPLTD), and shareholder dividends
  3. Capital spending on plant, equipment, and other fixed assets

If the operating entity does not generate sufficient cash from operations, it would have a financing requirement. The credit analyst needs to understand what outside sources the operating entity used to get cash and how much cash was obtained from each source. This presentation will address the evaluation of financial risk through the analysis of the borrower’s financial statements.

Learning Objectives

  • Analyzing the cash flow statement
    • Operating performance
    • Investment activities and capital spending
    • External financing activities
  • Analyzing repayment ability
    • Operating entity
    • Global debt service coverage
    • Personal cash flow analysis
    • Stress testing
  • Other underwriting analysis issues
    • Liquidity and leverage analysis
    • Short- and long-term profitability
    • Whether a company can support additional debt

Speaker 

S. Wayne Linder, Young & Associates, Inc. 

Investment

$259.00

Live and recorded webinar, handouts, quiz with answer key and training log are included.