Ratio Analysis

Credit (Risk) Analysis is one of the most important functions performed by financial institutions. Because interest and fee income from loans represent the largest source of revenue for financial institutions, thorough credit analysis must be performed before loans are approved and funded. Credit Analysis starts with spreading historical financial statements and then calculating key ratios.

Covered Topics

  • Have You Address the Basic Questions?
  • How Do We Get Repaid? Repaid?
  • Ratio Analysis
  • Liquidity and Ratios
  • Leverage
  • Asset Management
  • Operations

Who Should Attend?

Anyone in the institution having compliance responsibilities - when you think about this, it could be just about anyone in the institution. This may include members of senior management, operations personnel, lending personnel, underwriters, customer service representatives, back-room personnel, and of course compliance officers, auditors, and attorneys, and anyone else in the institution that might benefit from this valuable information.

The biggest value of the series..."Ability to have someone explain in plain English what is going on." Christine G., Bank Fund Staff Federal Credit Union