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Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly!

Attend this proactive webinar and learn a “five-step” analysis plan to calculate the key ratios covering liquidity, activity, leverage, operating performance, and cash flow analysis and correctly interpret the financial condition of the business client. Upon completion of this webinar, you will also be able to better negotiate with your business clients as well as other financial professionals.

Upcoming
Monday, March 31st, 2025
1:30 pm - 3:00 pm
Presented by David Osburn
$299.00 or 1 Token

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

  • Accounting/Reporting
  • Lending
  • Management/Employee Development
  • Branch Manager
  • Commercial Lender
  • Consumer Lender/Retail Banker
  • Controller/Accountant
  • Credit Analyst
  • Marketing Officer/Business Development
  • Private Banker
  • Senior Management
  • Small Business Lender
  • Training Manager
  • Trainer

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Ratios, ratios, and more ratios! What do they really mean? Many financial professionals use financial ratios on a regular basis. But do they always use the same ratios and, more importantly, do they always interpret the ratios in the same manner?

The session will also include a review of “spreading” a financial statement using Moody’s Lending Cloud software in order to better analyze the key ratios. This section will also include the bankruptcy (Z-score) predictor and sustainable growth models.

Two case analyses will be presented to illustrate the main concepts associated with key ratio analysis.

Note: Please have a calculator or laptop (with Excel) available for use in the webinar.

What You'll Learn

  • Utilize a “five-step” ratio analysis plan to calculate/interpret the key ratios
  • Discuss “negotiating” with other financial professionals using the ratios
  • Review the Z-score and sustainable growth models
  • Case analyses: Applying the concepts!

Who Should Attend

This session is ideal for commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers.

David Osburn

Instructor Bio

David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues.

His extensive professional background of over 30 years encompasses 24 years as a Business Trainer/ Contract CFO and 16 years as a Bank Commercial Lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development.

Mr. Osburn has been an adjunct college professor for over 30 years teaching Accounting, Economics, Finance, Banking, Marketing, Management, and Business Law.

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