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Tax Returns and Personal Financial Statements

Learn the basics of corporate structure, tax returns, and personal financial statements.

Upcoming
Beginner Friendly
DATE

Thursday, March 12, 2026
2:30 pm - 4:30 pm

INSTRUCTOR

Tom Carlin

FORMAT

Webinar

$299.00 or 1 Token

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

  • Commercial/Business Lending
  • Lending
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Consumer Lender/Retail Banker
  • Credit Analyst
  • Customer Service Representative
  • Small Business Lender
  • Workout Specialist/Collector

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This webinar focuses on understanding all the various corporate structures and the tax returns and personal financial statements they submit when they apply for a loan. The webinar will give you the confidence to examine these documents and determine if the applicant should have their loan request approved.

What You'll Learn

  • Understand the basics of corporate structure.
  • Evaluate K-1 information to determine cash distributions.
  • Understand how taxes influence cash flow.
  • Examine how taxes influence the customer’s operations.
  • Identify the most relevant sections of business tax returns that affect cash flow.
  • Understand and interpret key information on the personal financial statement.
  • Estimate and analyze cash flow from business tax returns, including C Corporations, S Corporations, Partnerships, Limited Liability Corporations, and Limited Liability Partnerships.

Who Should Attend

This session is ideal for commercial and consumer lenders, portfolio managers, relationship managers, and business bankers.
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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