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2019 Credit Analyst School Agenda

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2019 CCBN CREDIT ANALYST SCHOOL
February 26, 27 & 28, 2019,
Marriott Newport Beach Hotel
April 9, 10 & 11, 2019,
​Residence Inn Sacramento Downtown at Capitol Park

AGENDA
 
Day One
 
Role of A Credit Analyst and Why It Is a Vital Part of The Credit Underwriting Process.

  • The role of commercial lending in the banking industry
  • Organization structure of credit administration and where credit analysts are positioned
  • Requirements and responsibilities of the credit analyst
  • Skills and professional traits of successful credit analysts required to be successful including:
    • What information is required to match the loan request;
    • Best practices in spreading financial statements;
    • Knowing the right questions to ask;
    • How to communicate analytical results to more senior lenders.
 
Basics of Accounting Refresher

  • Understand the role of accountants and the standards they must follow Generally Accepted Accounting Principles (“GAAP”)
  • Know the influential organizations responsible for creating and amending accounting standards
  • Know the major accounting assumptions utilized to produce financial statements in accordance with GAAP
  • Review the rules of debits & credits
 
Introduction of Comprehensive Case Study

  • This case study will be used to apply and practice the credit analysis concepts and tools presented over the course of the program.
 
Detailed Review of Financial Statement Components

  • Identify the major accounts displayed on financial statements for:
    • Commercial and Industrial Relationships
    • Commercial Real Estate Relationships
  • Understand the accounting development of major asset accounts that banks rely upon as a primary source of repayment
  • Review the notes to financial statements and understand how useful they are to the underwriting process
 
Best Practices to Spreading Financial Statements

  • Understand the importance of being consistent and concise in preparing financial statement spreadsheets
  • Understand how to utilize the structure of financial statements to produce the desired results from financial statement analysis software 
 
Day Two
 
Analyzing Corporate Tax Returns

  • Review the various tax forms required to be filed by various organizational structures
  • Understand the flow of tax forms into Form 1120, 1120S and 1065
  • How to analyze schedule K-1 for pass-through entities
  • Understand how to maneuver through tax returns in order to obtain required information
  • Know how to convert tax return income into cash flow
 
Understand How to Calculate Credit Related Ratios to Determine:

  • Liquidity
  • Leverage
  • Asset management capabilities
  • Operating performance
 
Day Three
 
Cash Flow Analysis to Convert Income into Cash

  • Financial Statements prepared on an accrual and cash basis:  their advantages and disadvantages
  • Understand how cash flow analysis is the process of converting an accrual basis financial statement into a statement of cash flow
  • Review the rules of cash flow
  • Demonstration of cash flow analysis utilizing the Uniform Cash Analysis (UCA) method
  • Comparison of UCA with Traditional, EBITDA and the Indirect Methods of calculating cash flow
  • Identification of the four facilities of cash flow analysis utilizing Traditional and EBITDA methods
 
Financial Forecasting and Calculating Sustainable Growth Rates

  • Developing a cash budget when a more precise inflow and outflow of cash is required
  • Converting management’s assumptions into a projected income statement, balance sheet and cash Flow Analysis statement
  • Sensitizing management’s assumptions to create a more conservative financial forecast
  • Determine the sales growth level without increasing leverage beyond a safe level
 
Check Your Understanding – Online Multiple-Choice Final Exam
 
Wrap-up
 
Awarding of Certificates
 
​

Upcoming Events

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3808 E. La Palma Ave. |  Anaheim, CA 92807
Phone: 800-627-6613 | info@ccbnetwork.org  | sitemap
  • Membership
    • Member Portal Login
    • Bankers Helping Bankers
    • Associate Membership
    • CCBN Associate Member Directory
  • Education and Events
    • Seminars and Events
    • Webinars >
      • Categories >
        • AUDIT & ACCOUNTING
        • Collections
        • Compliance
        • Directors
        • Frontline New Accounts
        • Human Resources
        • IT
        • IRA
        • Lending
        • Marketing
        • Operations
        • Security & Fraud
        • Senior Management
    • Recorded Webinars
    • Community Banker University >
      • CBU Certification Programs
      • CBU Bank Director Program
      • CBU Leadership Academy
      • CBU Online Training
      • ICBA LIVE 2023
      • ICBA Lead FWD Summit
  • Advocacy
    • Legislative Successes
    • From ICBA >
      • From Washington DC
      • From the Top
      • Portfolio Management
  • About Us
    • Our Team
    • Board of Directors
    • Contact
  • Preferred Service Providers (PSP)
    • PSP Announcements