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Financial Statement Analysis

Course Overview

RMA’s Financial Statement Analysis is designed to teach the analytical process and decision-making techniques that participants need in order to make sound credit decisions through the application of financial statement analysis. After completing this course, participants will establish a foundation in the following areas of study:

  • Business and industry risk analysis
  • Management analysis
  • Financial statement analysis
  • Financial drivers
  • Forecasting
  • Loan structuring



15 hours


Instructor-Led Online

Program Level







Who Will Benefit?

This course is designed for financial personnel as part of their overall education to enable them to service customer needs. This course will be especially useful for:

  • Commercial lending officers
  • Relationship managers
  • Cash management personnel
  • Credit analysts
  • Branch managers with business loan responsibilities


Learning Objectives

Upon completion of this course, participants will be able to:

  • Perform financial statement analysis to help clients achieve business objectives while at the same time ensuring repayment of debt.
  • Connect qualitative information about the company with quantitative information gathered through financial statement analysis.
  • Identify the sources of debt available to commercial clients.


The course will include a key case study for application of the concepts. Participants will be required to read the case and develop a viewpoint based on a set of guidance questions prior to the program. In addition to creating a framework for applying financial statement analysis, the participants will learn the specifics of business risk analysis and loan structuring. Covenants, collateral, and terms and conditions of lending will also be covered.

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