2019 Credit Analyst School Agenda

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.
Basics of Accounting Refresher
Introduction of Comprehensive Case Study
Detailed Review of Financial Statement Components
Best Practices to Spreading Financial Statements
Day Two
Analyzing Corporate Tax Returns
Understand How to Calculate Credit Related Ratios to Determine:
Day Three
Cash Flow Analysis to Convert Income into Cash
Financial Forecasting and Calculating Sustainable Growth Rates
Check Your Understanding – Online Multiple-Choice Final Exam
Wrap-up
Awarding of Certificates
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