CFT
Webinars are purely educational. Instructors are not permitted to sell any
products or services during the presentation.
Program
Content:
The
principal goal of this course is to enable you to analyze the balance sheet
and income statement.
Covered
Topics:
- Explain the history and purpose the balance sheet
and income statement.
- Demonstrate how common sizing the accounts can be
used to help analyze both the balance sheet and income statement.
- Perform horizontal and vertical analysis on both
the balance sheet and income statement.
- Define the difference between assets, liabilities
and owner’s equity.
- Identify both current and non-current assets and
liabilities.
- Identify questions to ask management about selected
balance sheet accounts.
- Explain the difference between Lifo and Fifo
- Explain the different depreciation methods used with
fixed assets.
- Provide definitions for selected balance sheet
accounts such as:
- Leases
- Intangibles
- Deferred Taxes
- Treasury Stock
- Additional paid in capital
- Retained Earnings
- Goodwill
- Other comprehensive income
- Examine the balance sheet for liquidity and
leverage
- Define the balance sheet and income statement
accounts that would be considered primary and secondary sources of
repayment on a loan.
- Explain how income serves as one of the principal
components of cash available for debt repayment and maintaining
company viability.
- Develop questions to ask management about revenues
and expenses.
- Explain how cost of goods sold can differ in a
manufacturer versus a retailer or wholesaler
- Explain the difference between gross profit,
operating profit and net profit
- Identify typical operating expenses.
- Define a fixed versus a variable expense.
- Explain other income and expenses.
- Define extraordinary items.
- Explain how the notes to the financial statements
are used to further explain
- information on the balance sheet and income
statement.
Who
Should Attend?:
Commercial
lenders, credit analysts, small business lenders, middle market lenders,
private bankers; loan review specialists, special assets officers, lending
managers and credit officers. Please
forward email to appropriate person(s).
Instructor:
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 that 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 Masters of International Management degree from The
Thunderbird School of Global Management and a Bachelor of Arts Degree from
Villanova University.
What
Is A Webinar?:
A
webinar combines the clarity of an audio teleconference with the interactivity
and visual presentation of the internet. All you need to participate is a
telephone and an internet connection. Even if you don't have an internet
connection, you can still participate in the audio session. Listening to
the program over the telephone and following the written materials is an
effective alternative!
Unable
To Attend?:
No
problem. You can purchase a recording of the webinar for future use. You
can choose from either an On-Demand Web Link (Good for 6 months from the
webinar date, unlimited use) or a CD-ROM (includes a paper copy of the
PowerPoint slides).
Viewing
Options (all options include applicable handouts):
All
options include applicable handouts. You can choose to pay by credit card
or be billed. Additional Live Webinar connections are $75 each.
Option 1: Live
Webinar and 7 Days OnDemand Video Playback - $265
Option 2:
OnDemand Video (six months access) - $295
Option 3: Live
and 6 Months of OnDemand Video - $365
Option 4: CD-ROM
Video (Includes OnDemand Video) - $345
Option 5: Entire
Package (all of the above) - $395
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