This AIB course provides the skills needed to effectively assess a borrower’s ability to repay loans. It builds core competencies through instruction and application based on actual small business lending cases. It is recommended that Financial Accounting be completed before proceeding with taking the Analyzing Financial Statements course.

   Audience:  Commercial loan officers, credit analysts and trainees who have a basic knowledge of accounting principles and practices, and a familiarity with the commercial lending process.

    Learning Objectives

   At the conclusion of the program participants will be able to:

• Relate how a company’s type of business, legal structure, size, and management strategies affect the way a lender conducts financial analysis
• Analyze income statements, balance sheets, and pro-forma statements
• Calculate key financial ratios and use them to compare a company’s performance to the company’s industry standards
• Determine when a funds flow statement is required
• Construct and analyze long-run, multiple-year forecasts of income statements and balance sheets
• Construct and interpret a cash budget

Enrollment Form

(Download and print from SER-CFT website, complete and fax to 904-354-1834)