Adding the WOW Factor to Credit Analysis

This webinar will demonstrate how to utilize ratio analysis to determine the financial impact on changing metrics such as a change in the Working Capital Assets Turnover and Working Capital Liabilities Turnover and changes in the Gross Profit Operating and Net Profit Margins, This analysis will also allow the lenders to structure loans appropriately by determining the amount of funding needed to replace the cash flow losses caused by negative financial trends. When this specialized analysis is mastered, the lender can add the “WOW” factor to their analysis by not only describing trends but also the cash flow financial impact of those changing trends.

Recorded Thursday,
April 27th, 2023
Presented by Jeffery Johnson
2h total length
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Auditing
  • Commercial/Business Lending
  • Lending
  • Management/Employee Development
  • Risk Management/Legal
  • Branch Manager
  • Commercial Lender
  • Controller/Accountant
  • Credit Analyst
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Risk Manager
  • Senior Management

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Calculating Credit Ratios to determine the financial condition and creditworthiness of an economic entity is just the starting point to the true performance of a company. The result of ratio analysis can be used to take the analysis process to a higher level. A common question often asked is. “What is the cash flow financial impact of changing financial metrics over time for a company?” There is a definite financial impact on the cash flow of all companies when this occurs.

What You'll Learn

  • Know the key Financial Metrics that will have a Financial Impact on a Company’s Cash Flow
  • Use Financial Impact Analysis to determine the Cash Flow Financial impact of changing Accounts Receivable, Inventory, and Accounts Payable Turnover
  • Use Financial Impact Analysis to Properly Structure Short-Term and Long-Term Loans
  • Use Financial Impact Analysis to Forecast Major Items on the Balance Sheet and Income Statement
  • Use Financial Impact Analysis to Determine the amount of Funding Required to Pay Major Creditors
  • Determine the Cash Flow Financial Impact of Changing Gross Profit, Operating, and Net Profit Margins

Who Should Attend

Commercial Lenders, Credit Analysts, Credit Department Managers, Senior Loan Officers, Senior Credit Officers, Loan Review Personnel, Branch Mangers Serving Commercial Borrowers, Chief Risk Officer, and Finance Officers.

Jeffery Johnson

Instructor Bio

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.