home principal specialties solutions affiliations media clients contact

Financial Analysis

A critical part of any lender's job is analyzing a borrower's financial condition. The analysis provides perspective on the borrower's historical performance and provides the foundation for projecting future performance. The analysis should also become a tool to add value to the customer relationship. The lender can use his or her expertise combined with insight gained from the financial analysis to better focus bank products and services to meet customer needs.

The starting point for financial analysis is developing a subjective understanding of the borrower's business including mix of assets and liabilities, competitive strategy and financing needs. This mental picture becomes the foundation for applying the tools of financial analysis.

This course will familiarize participants with fundamental analytical tools including component, comparative/common-size, ratio and cash flow analysis. Students will apply the tools in a series of case studies. Participants will also learn how to use the tools to point out opportunities for the borrower to improve profitability, better manage assets and minimize financing requirements.

Who Should Attend:
Credit Analysts
Prospective Lenders
Lenders with 1-3 years experience

Program Length: Two - Three Days