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Advanced Cash Flow Analysis for Commercial & Industrial Borrowers

Understanding how to calculate and interpret cash flow is essential for successful bankers. This course is designed to assist bankers in calculating cash flow utilizing the Uniform Cash Analysis method (UCA), which is a more revealing analysis than the Traditional and EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) method often used by bankers.
OnDemand
DATE

Recorded Monday,
August 10, 2026

INSTRUCTOR

Jeffery Johnson

DURATION

2 Hours

FORMAT

Webinar

$299.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Lending
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Controller/Accountant
  • Credit Analyst
  • Loan Closer
  • Private Banker
  • Risk Manager
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Trainer

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The course will begin by examining Accrual Basis and Cash Basis financial statements and the advantages and disadvantages of each. We will then compare the various methods of calculating Cash Flow including the Traditional, EBITDA, Indirect and UCA Cash Analysis Method. 

The course will demonstrate how to utilize all accounts appearing on the Income Statement and Balance Sheet to determine the potential sources and uses of cash

What You'll Learn

Upon completion of this course, the participant will have a good understanding of how cash flow is calculated and more importantly, how to interpret its meaning. Specific areas that will be covered include:

  • The advantages and disadvantages of Accrual and Cash Basis financial statements
  • Review of the Rules of Cash Flow which are essential in determining how much cash is generated from items on the balance sheet
  • Financial Statement Mapping, which illustrates the relationship between the Income Statement and Balance Sheet to calculate cash flow
  • Comparison of the UCA method of calculating cash flow to the less effective traditional and EBITDA method of determining cash flow
  • A method to calculate Cash Flow utilizing a Modified Cash Flow Analysis Worksheet

Who Should Attend

Senior Loan Officers Credit Analysts Senior Credit Officers Loan Review Personnel Commercial Loan Officers Consumer Loan Officers Branch Managers Credit Administration Support Staff
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.

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