Attend this proactive training session and learn to think like a banker, work more like a consultant than a CPA, and get way beyond the numbers! This webinar emphasizes financial statement analysis using a practical approach to reading financial information. A banker's review of standard financial statements will be followed by an in-depth display of financial ratios and cash flow analyses.
The participant is also provided techniques to determine a company's true cash flow position, a personal cash flow approach, and a real estate cash flow scenario. Two case studies are presented to reinforce the financial analysis concepts using the Moody’s Risk Analysts spreadsheet and industry comparisons.
This course will also outline how banks make commercial credit decisions using established analytical techniques and concludes with a review of the Z-score (bankruptcy predictor) and sustainable growth models.
Publication Date: November 2019
Designed For
CPAs in private practice, CFO/controllers, financial managers, auditors, financial analysts, practitioners who provide accounting, tax or consulting services to businesses.
Topics Covered
- Who Uses Financial Statement Analysis?
- The "Five Step" Financial Statement Analysis Plan”Basics
- Accounting Basics
- The Five Step Financial Statement Analysis Plan”Expanded
- Activity
- Leverage
- Operating Performance
- Cash Flow
- Personal Cash Flow (Business Owner/Guarantor)
- Global Cash Flow
- The Three Most Common Bank Loan Covenants
- Other Cash Flow Analysis Models
- Cash Basis Cash Flow
- Real Estate Cash Flow (Commercial Building)
- Other Issues in Financial Statement Analysis
- How to Calculate a Z”Score
- Bankruptcy Predictor
- Sustainable Growth Rates (SGR) from a Financial Perspective
Learning Objectives
- Recognize how bankers analyze financial statements and make credit decisions
- Recognize basic financial ratio analysis techniques
- Identify various cash flow analyses, the Moody's Risk Analysts spreadsheet, and industry comparisons
- Identify the Z-score (bankruptcy predictor) and sustainable growth models
- Recognize how to calculate EBITA
- Identify the "Five Step" Financial Statement Analysis Plan”Basics
Level
Intermediate
Instructional Method
Self-Study
NASBA Field of Study
Finance (2 hours)
Program Prerequisites
Basic knowledge of Financial Statement Analysis.
Advance Preparation
None
Instructor
David Osburn
David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, credit managers, attorneys, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues.
Mr. Osburn’s Contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers, and contractors.
His extensive professional background of over 30 years encompasses 21 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development.
Mr. Osburn has been an adjunct college professor for over 30 years including the College of Southern Nevada.
He holds an MBA from Utah State University, a BS in Finance from Brigham Young University, and is a graduate of the ABA National Commercial Lending School held at the University of Oklahoma.
Additionally, Mr. Osburn holds the professional designation of Certified Credit & Risk Analyst (CCRA) as granted by the National Association of Credit Management (NACM).