Adding the WOW Factor to Credit Analysis

Have you ever been asked, “How do changing financial metrics impact the cash flow of XYZ company?” Join this webinar to learn to use ratio analysis to take your analysis process for lending to the next level.

Recorded Thursday,
March 14th, 2024
Presented by Jeffery Johnson
2h total length
$299.00 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 a baseline indicator of a company’s true performance. Add the “WOW” factor to your analysis by describing not only the trends, but also the cash flow financial impact of these changing trends.

This webinar will demonstrate how to utilize ratio analysis to determine the financial impact on changing metrics such as changes in the working capital assets turnover, working capital liabilities turnover, and gross profit operating and net profit margins. This analysis allows you to structure loans appropriately by determining the amount of funding needed to replace the cash flow losses caused by negative financial trends

What You'll Learn

  • Learn how to use financial impact analysis to:
  • Determine the cash flow financial impact of changing accounts receivable, inventory, and accounts payable turnover
  • Determine the cash flow financial impact of changing gross profit, operating, and net profit margins
  • Properly structure short-term and long-term loans
  • Forecast major items on the balance sheet and income statement
  • Determine the amount of funding required to pay major creditors

Who Should Attend

Commercial lenders, credit analysts, credit department managers, senior loan officers, senior credit officers, loan review personnel, branch managers serving commercial borrowers, chief risk officers, 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.