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Commercial Lenders Institute - Cash Flow Analysis

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Print Curriculum Information:
Credit 101: Fundamental & Intermediate Commercial Credit Analysis
Credit 201: Advanced Commercial Credit Analysis & Qualifying Prospects
Cash Flow Analysis
Real Estate: Income Producing Properties
Key Credit Analysis Tools & Techniques

Cash Flow Analysis

This course is designed to provide a solid understanding of how to develop, read, and understand cash flow statements in assessing risk. We’ll use the case study method and will explore the mechanical development and the interpretive value of the Uniform Credit Analysis (UCA) cash flow statement in properly identifying borrowing causes, the sources of cash to pay lender interest and repay debt as scheduled, the dollar amount of the financing requirement and the source of cash to meet that requirement.

Target Audience

Experienced lenders wanting a review of cash flow principles. Loan originators, credit analysts or business development officers needing foundational knowledge of cash flow principles.

Prerequisites

A good foundation in accounting and financial terminology with some ‘hands-on’ experience in analyzing accrual basis financial statements.

Training Outcomes

• Construct a business cash flow statement and identify a borrower's cash surplus or deficit from business operations after paying interest expense and repaying debt as scheduled.

• Identification of the differences and similarities between the available cash flow statement formats.

• A clear understanding of the structure, composition and analytical importance of the Uniform Credit Analysis (UCA) cash flow statement.

• Identification of the impact of distributions, related party transactions and shareholder loans in providing or draining cash from a business.

• Identification of the borrowing causes that explain a deficit at cash flow from business operations.

• Ability to use business cash flow statements to identify the sources of cash to pay interest and repay debt as scheduled.

• The use of business cash flow statements to identify the amount and source of outside financing required to meet cash flow deficits.

Time Commitment

One classroom session, full-day.

Certification

WIB Certificate of Completion

Mentor

Not Required