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Core Credit Skills 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.
OnDemand
DATE

Recorded Wednesday,
July 8, 2026

INSTRUCTOR

Tom Carlin

DURATION

2 Hours 30m

FORMAT

Workshop

$450.00 or 2 Tokens

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Commercial/Business Lending
  • Lending
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Human Resources Officer
  • New Accounts Representative
  • Private Banker
  • Risk Manager
  • Small Business Lender
  • Training Manager
  • Trainer
  • Workout Specialist/Collector

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Core credit skills begins with the ability to evaluate a borrower's financial health through careful examination of financial statements, tax returns, cash flow and key performance ratios.

Beyond the numbers, strong credit professionals develop the judgment to understand the quality of earnings, the sustainability of revenue, and the adequacy of collateral as a secondary source of repayment.

They learn to understand qualitative and quantitative risk and learn to evaluate the risks, make a decision and put together an appropriate structure to protect the bank.

What You'll Learn

Upon completion, participants will be able to:
  • 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.

Who Should Attend

Commercial lending officers, portfolio managers, branch bankers, relationship managers, small business lenders, credit analysts.

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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