Date & Time
June 23, 2026
8:30am-4:30pm
Commercial Financial Analysis: Tools of Financial Analysis (In-Person Only)
Commercial Financial Analysis: Advanced Financial Analysis (In-Person Only)
Registration Fee
Member Fee: $265
Non-Member Fee: $465
Overview
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.
Day 1 begins by focusing on the process of conducting a credit analysis of a commercial borrower. Beyond the technical analysis of the financials, attendees review how interpretive analysis plays a major role in underwriting commercial loans. In this first day, we set the stage for how a commercial bank evaluates credit risk.
Topics Include:
- The Financial Analysis Process: The Steps in Performing a Credit Analysis
- The Chief Credit Officer’s Perspective
- Understanding the Key Accounting & Financial Terms found in Financial Statements
- Sources of Information for Performing a Credit Analysis
- Basic Structure of the Income Statement and Balance Sheet
- Analyzing the Income Statement: Identifying the Key Accounts
- Operating Factors Affecting Revenue, Costs and Income
- Recognizing the Differences between Cash Basis and Accrual Accounting
- Analyzing the Balance Sheet: Estimating Liquidity, Capacity and Leverage
- Reconciling Net Worth
- Identifying Contingent Liabilities of a Business
- Evaluating Compiled, Reviewed and Audited Financial Statements
- Determining Net Operating Income and Debt Service Coverage for a CRE Property
Case Study:
Using a business owner’s personal financial information and their federal tax 1040 tax return with schedule C & E, we determine the borrower’s Global Cash Flow. We judge the ability of the business owner to service a proposed real estate loan.
Who Will Benefit
New Credit Analysts/Lenders who lack confidence in reviewing financial statements and performing an analysis. Small business lenders inexperienced in reviewing financial statements & analyzing loan requests.
Instructor
Jim Shreve has conducted seminars for more than 450 banks over the past 10 years. He has over 25 years in secured commercial lending and credit administration including 10 years of extensive loan work-out experience with a major Texas based regional bank during the tumultuous 1980s. He holds a Masters in Finance and a B.S. in Accounting.
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 and sent the manual. Substitutions are welcome at no additional charge.
Additional Information
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