Ratio Analysis to Determine Financial Strength

Learn the five vital signs of any organization and the ratios required to identify them.

Recorded Thursday,
January 6th, 2022
2 Presenters
2.5 CEU Credits
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Lending
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Senior Management

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Credit (Risk) Analysis is one of the most important functions performed by banks. Because interest and fee income from loans represent the largest source of revenue for banks, thorough credit analysis must be performed before loans are approved and funded.

Credit Analysis starts with spreading historical financial statements and then calculating key ratios to determine the financial health of an organization. Learn the five vital signs of any organization and the ratios required to identify the signs. A detailed identification and definition of ratios will be included.

Covered Topics

  • Liquidity
    • Current / Quick Ratios
    • Working Capital Analysis
    • Defensive Interval Ratio
    • Activity Ratios for Working Capital Assets
    • Activity Ratios for Working Capital Liabilities
  • Leverage
    • Ratios to Measure the Proportion of Support Provided by Owners and Creditors
  • Asset Management
    • To Measure the Ability of Management to Use Assets to Generate Sales and Profits
  • Operations
    • Performance Ratios to Measure the Relationship among Sales, Costs and Expenses, and How their Changes Affect the Bottom Line
  • Cash Flow
    • Uniform Cash Analysis to Determine Sources and Uses of a Firm's Cash as a Means of Serving Long-Term Debt

Leave with a deeper understanding of ratio and credit analyses during the underwriting process. This translates into well-organized, clearly written credit memoranda so you'll be more confident explaining trends and the financial impact on customers and prospects.

Who should attend

Credit Analysts, Commercial Lenders, Consumer Lenders, Senior Credit and Loan Officers, Loan Review Officers, Auditors, Directors, Branch Managers.

"The best webinar I have ever taken...BY FAR!" -Charlie S., Arvest Bank

"Very good review of ratio analysis directly related to commercial lending. I would recommend to all lending/credit related personnel. A good basic understanding of financial statements is helpful. The handouts are excellent and will be a valuable reference going forward." - Ben Wood, The Union Bank

Jasmine Johnson

Instructor Bio

Jasmine McGinnis Johnson is an assistant Professor in Public Administration and Public Policy at George Washington University. Jasmine attained her doctorate in 2012 in a joint degree program between Georgia State University and Georgia Institute of Technology in Public Policy. Jasmine?s research interests broadly relate to the areas of public and nonprofit sector management, governance of philanthropic institutions, nonprofit networks, and performance metrics and measurement in the third sector. Jasmine?s academic accomplishments publications in academic journals Nonprofit & Voluntary Sector Quarterly (NVSQ), International Public Management Journal, Public Management Review, Administration and Society, and the Review of Public Personnel Management. She has also published in practitioner oriented publications such as The Foundation Review and Stanford Social Innovation Review. Additionally, Jasmine has received multiple grants including the Italian Research in Philanthropy Awards, and the Center for International Business Education grants.

Prior to pursing her Ph.D., Jasmine worked in the nonprofit sector for several years as a development and evaluation senior manager. Jasmine earned a Master of Public Administration degree from the University of Georgia and a Bachelor of Arts degree in Sociology from Emory University in Atlanta.

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.

Credit Information

Recommended for 2.5 CEU Credit Hours. After attending this webinar, each attendee can receive a Certificate of Attendance for self-reporting of CEU Credits.