Mentor Online®

High-quality, cost-effective training for your lending and credit professionals

Computer-Based Training
Analyzing Personal Financial Statements and Tax Returns

The three courses that cover this important skill will teach your staff how to use tax returns and personal financial statements to evaluate credit risk, help estimate the customer’s ability to service debt, and determine the value of the customer’s net assets in the event of liquidation.

Courses include:

• Estimating Cash Flow: Personal Financial Statements
• Estimating Cash Flow: Individual’s Basic Tax Return
• Estimating Cash Flow: Partner’s Tax Return

Real Estate Fundamentals in Commercial Lending

Four courses in this subject area provide commercial lenders with a basic understanding of real estate lending concepts and techniques. These include the different types of commercial real estate loans, essential real estate loan underwriting considerations, inherent risks in real estate lending, and the key elements of real estate appraisals.

Courses include:

• Introduction to Commercial Real Estate Lending
• Risks in Commercial Real Estate Lending
• Commercial Real Estate Appraisals
• Types of Commercial Real Estate

Accrual Accounting Basics for Bankers

Because bankers need to understand and analyze the concepts behind the accountant’s calculations and their impact on the financial statements, these three courses review the basics underlying the accounting system. After the initial review, each course leads the student through the accounting system by journalizing transactions, making adjusting entries, and creating financial statements.

Courses include:

• Accrual Accounting Basics for Bankers, Part I
• Accrual Accounting Basics for Bankers, Part II
• Accrual Accounting Basics for Bankers, Part III

Fees
RMA members: $125 per course
Nonmembers: $187.50 per course

Analyzing Industry, Business, and Management Risks

Learn how to analyze economic and industry factors, analyze a company’s business strategy and the adequacy of its management, identify and measure cash cycles, recognize causes of seasonality and analyze its effects, and develop skills for measuring the financial and business risks of prospective borrowers.

Analyzing Balance Sheets and Income Statements

Learn how to evaluate the quality of each balance sheet account, measure liquidity and leverage, analyze revenues and expenses, measure profitability of sales, and relate profit to total assets and to net worth to measure financial productivity.

Ratio/Trend Analysis

Learn how to make industry comparisons, calculate and express turnover ratios, identify how changes in turnover affect the need for cash, analyze the effects of asset turnover and net profit margin on return assets, analyze borrowing needs or debt-service capacity, use turnover and profitability ratios to measure the impact of growth, and consider new ways to apply ratio analysis.

Cash Flow Analysis

Find out why a cash flow statement is a critical part of credit analysis, how a cash flow statement is constructed, why a cash flow statement is essential to determining a borrower’s ability to repay a loan, how to analyze present and historical cash flows to project future ones, and how to relate cash flow to long-term repayment ability.

Loan Structuring

Learn how to minimize the institution’s risk through loan structuring techniques, structure effective loan covenants, identify the common types of risk associated with different types of loans, choose the loan structure that properly matches the customer’s needs, and evaluate the impact of business circumstances on the ability to repay a loan.

Fees
RMA members: $125 per course
Nonmembers: $187.50 per course

Workstation Requirements for Mentor Online

• Internet Explorer versions 5.0 through 6.0 with JavaScript and cookies enabled (version 5.5 or 6.0 required for administrative functions).
• 800 x 600 screen resolution.
• Windows Media Player 9.0 or higher.
• Minimum Internet connection speed of 56K required; high-speed broadband connection recommended.
• Sound card and speakers.
• Display driver settings: 16-bit color or better.
• Font set to “Standard” or “Small.”

Proxy/Firewall Settings

• If using a proxy server, do not cache the BVS Web site.
• Port 80 must be open both incoming and outgoing.
• Port 443 must be open both incoming and outgoing to allow use of SSL (secure socket layer) encryption security.

For more information and to purchase Online-Multimedia Courses, please contact the Regional Manager for your area.