Commercial Financial Analysis: Advanced Financial Analysis (In-Person Only)
A series of (1) day workshop styled training seminars offering comprehensive training for credit analysts/lenders. Ideal training for preparing new credit analysts for their responsibilities in today’s difficult economy. Attendees start with the basics of financial statements and complete the training by acquiring advanced credit skills. Experienced credit analysts/lenders can sharpen existing skills and obtain advanced tools by attending a specific seminar. Commercial Financial Analysis provides attendees both technical & interpretive analysis skills required in commercial lending. Additionally, attendees gain an understanding of the requirements for underwriting commercial loans in today’s business environment. Registration is per day. It is not required that you attend all 3 days of the training.
Date & Time
June 25, 2026
8:30am-4:30pm
Commercial Financial Analysis: Intro to Financial Analysis (In-Person Only)
Commercial Financial Analysis: Tools Financial Analysis (In-Person Only)
Overview
Day 3 of the series provides participants a unique opportunity to acquire more advanced credit skills that are essential for a credit analyst/lender in today’s business environment.
Topics include:
- Signs of a Financially Distressed Business
- Grading Loans in Today's Regulatory Environment
- The Types of CRE Loans
- Analyzing the Projected Cash Flow of a CRE Property
- How to Review a CRE Appraisal
- Analyzing Liquidity & Contingencies of a Guarantor
- Determining the Global Cash Flow of a Guarantor
- Reviewing a Partnership 1065 Federal Tax Return
- Requirements for a Financially Responsible Guarantor
Credit Management
Attendees learn how to recognize the early signs of a financially distressed business. We outline how examiners grade commercial loans in today’s regulatory environment.
CRE Lending
We review the fundamentals of CRE lending.
- Types of CRE loans: ADC, Construction, Balloon & Bullet, Mini-Perm and Permanent.
- Typical CRE Loan Documentation
- Understanding CRE Appraisals
- Guidelines for Reviewing Appraisals
- Construction Budget & Draw Requirements
Case Study: CRE Loan
We study how a lender performs a grade review of a loan to a partnership that owns an office building. We scrutinize the property’s projected cash flow and the guarantor’s tax return. Attendees develop a global cash flow that reconciles the following. The guarantor is the majority owner in a Sub-Chapter S Corporation. He receives a salary and distribution from the S Corp. The S Corp also owns investment real estate. The guarantor has an investment in a real estate partnership that also owns an equipment parts business both of which are profitable. However, it has an investment in another real estate partnership that is having cash flow problems. He has an investment in a partnership that owns an equipment parts business. The partnership rents out equipment and owns an interest in another business. All operations are profitable. The guarantor owns a commercial rental property in his own name. The property is leased to a local company. He is receiving payments on a promissory note resulting from the sale of real estate 2 years ago. Lastly, the guarantor has significant contingencies related to his investments.
Case Study Topics
- Scrutinizing the operating statement of a CRE property
- Reviewing a rent roll and leases
- Establishing the credit profile of tenants
- Obtaining information on physical condition of property
- What factors must be considered when projecting CRE cash flow
- Global Cash Flow of a guarantor
- Analyzing the liquidity & contingencies of a guarantor
- Partnership ordinary income, separately stated items, contributions, distributions & guaranteed payment
- Establishing a Financially Responsible Guarantor
Who Will Benefit
Attendees that are moderately experienced or have attended the first (2) seminars of Commercial Financial Analysis. This session focuses on Commercial Real Estate lending, improving Credit Management skills and determining a Guarantor’s Global Cash Flow. We review how to develop cash flow from a Partnership’s 1065 Federal Tax return.
Instructor
Jim Shreve has 25 years in commercial lending/credit administration with Texas Commerce Bank, Houston, TX. At the time, the bank was the largest commercial lender in the state of Texas. Besides his lending/credit experience, he has over 10 years of extensive loan work-out experience during the tumultuous Texas economy of the 1980’s. He holds a Master’s in Finance and a B.S. in Accounting. Since establishing this training business in 2003, literally thousands of commercial banking credit analysts and lenders have attended his training seminars. His workshop styled approach to training is well known for providing a rewarding experience for all attendees regardless of their background, prior experience in lending or credit analysis.
Cancellation Policy
Due to commitments we must make to secure a class, we need your help. If you must cancel your registration, please do so at least 3 business days prior to the seminar date to avoid a $125 cancellation fee per day per person. Any registrant who does not cancel will be billed the full registration fee. Substitutions are welcome at no additional charge.
Additional Information
Registration
Registration ends 6/24/2026 4:00 PM CDT