Make sound credit decisions by applying financial statement analysis
(Formerly Fundamentals of Financial Statement Analysis and Intermediate Financial Statement Analysis )
Course Overview
Financial Statement Analysis (a combination of the two courses formerly known as Fundamentals of Financial Statement Analysis and Intermediate Financial Statement Analysis ) teaches the skills, analytical process, and decision-making techniques for analyzing financial statements—invaluable knowledge that can assist you in making sound credit decisions.
To help you perform financial statement analysis in the current business environment, this course reviews the basic accounting principles used to create financial statements; identifies the financial characteristics of various industries; defines, classifies, and interprets the different components of a financial statement, such as accountant's letter, balance sheet, and income statement; determines the importance as well as the limitations of financial statement ratio analysis; recognizes borrowing causes and repayment sources; and discusses cash flow analysis.
What's covered?
You'll use middle market cases that focus on interpreting financial reports and supplementary information about a business and its industry. The course will get you involved through large- and small-group activities, covering these five modules:
- Foundations of financial statement analysis
- Financial statements
- Ratio analysis
- Borrowing causes and repayment sources
- Cash flow statements and projections
Who will benefit?
This course is for bank and related service personnel, such as line lenders, credit analysts, and branch managers who have previously studied financial statement analysis in school, through outside professional training classes, or as part of their business credit or lending curriculum.
You will:
- Use a systematic process to evaluate business credit opportunities.
- Apply specific analytical skills to measure the business and financial risks of a potential borrower.
- Assess credit risks and margins of protection in liquidity, leverage, profitability, and cash flow.
- Use the credit decision format to recommend acceptance or rejection of a loan opportunity.
- Interpret financial reports and supplemental information about a business and its industry.
- Make an analytical assessment of the company's financial condition and performance and recommend a sound credit decision.
- Assist clients with their initial financial needs, service their ongoing requirements, and become a financial resource during any troubled economic periods.
Prerequisites
This course requires completion of RMA's Financial Accounting Self-Study course or a two-semester course in accounting within the last five years (or equivalent experience).
A pre- and post-test are available upon request.
Registration fees
Associate members: $760
Nonassociates from member institutions/professional members: $800
Nonmembers: $1,155
Receive a 10% discount when you register 30 days or more before the start date
of the course.
The Participant's Manual (Product No. 635701), can be purchased by contacting
the Regional Manager
for your area.