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Cash Flow Analysis Workshop - 4 Part Series

This workshop is designed to teach the analytical process and decision-making techniques that you will need in order to make sound credit decisions through the application of cash flow analysis.

Upcoming
Beginner Friendly
DATE

Tuesday, April 21, 2026
Wednesday, April 22, 2026
Wednesday, April 29, 2026
Thursday, April 30, 2026

INSTRUCTOR

Tom Carlin

FORMAT

Workshop

$1,700.00 or 16 Tokens

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Commercial/Business Lending
  • Lending
  • Lending Compliance
  • Management/Employee Development
  • Reporting
  • Risk Management/Legal
  • Commercial Lender
  • Credit Analyst
  • Loan Operations Manager/Specialist
  • Risk Manager
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Trainer

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Cash Flow Analysis: A 4-Part Workshop Series is a comprehensive, hands-on series designed to help lenders and credit professionals move beyond surface-level analysis and confidently assess a borrower’s true repayment capacity. Through practical examples and structured exercises, participants will develop a deep understanding of how cash flows through a business and how industry and business risk elements affect management decisions, and operating performance.

Over four sessions, attendees will analyze historical financial performance using key ratios and link those results to management actions and strategic decisions. The workshop walks step-by-step through cash flow logic and construction, including evaluating sources and uses of cash, understanding the cash conversion cycle, and distinguishing between operating, investing, and financing cash flows. Participants will examine working capital components, explore borrowing needs driven by changes in the cash cycle, and see how financial ratios directly influence cash flow strength.

The series also provides practical instruction on building cash flow statements using balance sheets and income statements, comparing common cash flow methodologies such as UCA, indirect, free cash flow, global cash flow, and EBITDA. Participants will learn how to assess the sustainability and predictability of cash flows, apply appropriate covenants to protect repayment, and ultimately make sound credit decisions. The workshop concludes by helping attendees move beyond “elevator analysis” to produce stronger, more defensible credit write-ups grounded in cash flow reality.

Series Details

Cash Flow Analysis: Foundations of Cash Flow & Financial Performance Workshop - Part 1

This workshop is designed to teach the analytical process and decision-making techniques that you will need in order to make sound credit decisions through the application of cash flow analysis.

Upon completion of the workshop participants will be able to:

  • Analyze how industry and business risk elements affect management decision and financial performance.
  • Describe how key financial ratios can affect cash flow

Cash Flow Analysis: Cash Flow Mechanics, Cycles, & Working Capital Workshop - Part 2

This workshop is designed to teach the analytical process and decision-making techniques that you will need in order to make sound credit decisions through the application of cash flow analysis.

Upon completion of the workshop participants will be able to:

  • Explain the cash conversion cycle
  • Examine the components of working capital
  • Explore borrowing needs caused by changes in the cash cycle
  • Evaluate sources and uses of cash on the financial statements.
  •  Improve the probability of repayment through a solid understanding of cash flow logic and construction

Cash Flow Analysis: Building & Interpreting Cash Flow Statements Workshop - Part 3

This workshop is designed to teach the analytical process and decision-making techniques that you will need in order to make sound credit decisions through the application of cash flow analysis.

Upon completion of the workshop participants will be able to:

  • Create a cash flow statement using two balance sheets and one income statement
  • Discuss the difference in cash flow methodology, including: UCA, indirect, free cash flow, global cash flow, and EBITDA
  • Determine the sustainability and predictability of cash flow to implement the company’s business strategy

Cash Flow Analysis: Credit Decisions: Covenants, & Advanced Analysis Workshop - Part 4

This workshop is designed to teach the analytical process and decision-making techniques that you will need in order to make sound credit decisions through the application of cash flow analysis.

Upon completion of the workshop participants will be able to:

  • Describe the appropriate covenants to use to protect cash flows.
  • Make a decision on a credit request.
  • Learn how to get past elevator analysis in a credit write-up.

What You'll Learn

Upon completion of the workshop participants will be able to:

  • Analyze the company's historical financial performance, including ratio analysis and linkage to management actions and decisions.
  • Improve the probability of repayment through a solid understanding of cash flow logic and construction.
  • Evaluate sources and uses of cash on the financial statements.
  • Explain the cash conversion cycle.
  • Describe the difference between operating, investing and financing cash flows.
  • Describe how key financial ratios can affect cash flow.
  • Explore borrowing needs caused by changes in the cash cycle
  • Examine the components of working capital.
  • Create a cash flow statement using two balance sheets and one income statement
  • Discuss the difference in cash flow methodology including: UCA, indirect, free cash flow, global cash flow and EBITDA.
  • Determine the sustainability and predictability of cash flow to implement the company’s business strategy.
  • Describe the appropriate covenants to use to protect cash flows.
  • Make a decision on a credit request.
  • Learn how to get past elevator analysis in a credit write-up.

Who Should Attend

Commercial and business lenders, Credit analysts and underwriters, Relationship managers responsible for structuring and monitoring credit, Loan review and credit administration professionals, Portfolio managers overseeing commercial loan portfolios, Banking professionals seeking to strengthen cash flow–based credit analysis and write-ups

Tom Carlin

Instructor Bio


An authority on financial and credit risk, Mr. Carlin is a Managing Partner at Eensight. He has worked with major banks, insurance companies and regulatory agencies over the last twenty years, designing and teaching financial topics including: basic, intermediate and advanced credit and financial statement analysis, business lending for branch bankers, accounting for bankers, basic intermediate and advanced cash flow analysis, loan structuring, consumer lending and trade finance. His audiences include business bankers, recent graduates going through the organizations basic credit training program, senior management personnel who need to know the basics of accounting and financial statement analysis, middle market lenders with many years of experience and regulatory agency personnel. Each program he designs and teaches is tailored to the individual customer with the products, procedures and culture of the organization incorporated into the course design. The complexity and intensity of the programs are adjusted to reflect the needs of the participants and the logistical training issues faced by the organization.

He is the author of Financial Statement Analysis published by the American Bankers Association in 1994. He is also the author of Consumer Lending, published by The Center for Financial Training in 2015.

He has designed and taught programs in risk analysis for Citibank, Wells Fargo, American International Group, Capital One, Chase Manhattan Bank, First Tennessee, M & T, Union Bank, and The Bank of China. He has also taught the Credit Risk Analysis Program at the Federal Reserve Bank.

Prior to Eensight, Mr. Carlin was a Regional Director for Omega Performance Corporation. He was also a Vice President with Bankers Trust in New York. He was responsible for marketing credit and trade finance products to corporate clients and correspondent banks worldwide.

Mr. Carlin has a Master of International Management degree from Thunderbird School of Global Management and a Bachelor of Arts degree from Villanova University.


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