A building block for lenders with a working knowledge of cash flow analysis
Course Overview
UCA II: Credit Risk Analysis for Commercial Bankers is known by the industry as one of the key building blocks for the commercial lender who has a working knowledge of cash flow analysis.
This course shows how the commercial loan decision process works from beginning to end. Participants will use a practical approach to integrate financial analysis, cash flow analysis, forecasting, management assessment, business and competitive environment analysis, loan structuring, and loan documentation issues in the loan decision process.
Participants will construct and analyze cash flow statements, perform sensitivity analysis, and develop a greater understanding of the effects of management style and financial management on the business.
Who will benefit?
This course is primarily for experienced lenders who are already proficient in financial accounting, financial statement analysis, and cash flow analysis. Credit trainees and other support personnel may benefit if they have the requisite skills.
You will:
- Measure the impact of management decision-making on financial performance.
- Perform historical analysis of financial statements.
- Evaluate the effects of management and business environment factors on loan repayment.
- Assess the external and internal environments.
- Analyze the company's historical financial performance, including trend analysis and linkage to management actions and decisions.
- Construct and analyze computer-assisted financial projections.
- Evaluate and describe the company's management team.
- Integrate the analytical traditions of financial analysis, management assessment, and business environment into an appropriate credit recommendation.
Prerequisites
This course assumes the participant has an intermediate knowledge of financial accounting and credit analysis and has completed RMA's UCA I: Cash Flow Analysis or its equivalent. The open enrollment version of this course requires the participant to complete a pre-course assignment that should take approximately two hours.
Registration fees
Associate members: $1,065
Nonassociates from member institutions/professional members: $1,125
Nonmembers: $1,675
Receive a 10% discount when you register 30 days or more before the start date of the course.