Live Virtual Workshop

Breaking into Banking 201:

Analyzing Repayment Sources

This 9-module online workshop is a “sequel” to the 101 workshop, and is best taken after completion of that workshop, though is not a prerequisite. The 201 course dives deeper into topics covered in modules 4, 6, and 8 of the 101 workshop: analyzing a borrower’s balance sheet, income statement, collateral, and risk ratings.

This 1 day workshop will be provided over a Zoom video conference, and will include 6 hours of facilitation in addition to breaks. Learners will have access to the recording replay for 30 days following the call.

This workshop is most appropriate for credit analysts, lenders, portfolio managers, and others who need skills in financial statement analysis and writing credit documents.

Workshop Topics

1

Introduction and Overview

• Outline of workshop objectives and topics

• Understanding primary and secondary repayment sources

• Why banks need accurate loan data to estimate credit losses

2

Balance Sheet Analysis, Part I - Analyzing Liquidity

• Better definitions of assets, liabilities, and equity

• Measuring Liquidity: beyond formulas and ratios

• Quality of Current Assets

3

Balance Sheet Analysis, Part II - Analyzing Leverage

• The difference between debt and equity

• How to measure leverage

• Highly leveraged lending

4

Income Statement Analysis, Part 1 - Revenues and Profit Margins

• Analyzing revenues: growth and drivers

• Keys to analyzing gross margin and operating margin

• Why Return on Assets matters

5

Income Statement Analysis, Part II - Coverage Ratios

• Explanation of fixed charges

• EBITDA as a proxy for cash flow

• Measuring debt service coverage and fixed charge coverage

6

Collateral Analysis, Part I - Non-Current Assets

• Why bankers need a back-up plan

• Commercial real estate as a collateral

• How to evaluate fixed assets

7

Collateral Analysis, Part II - Trading Assets

• Understanding self-liquidating collateral

• How to assess the value of inventory

• Analyzing a borrower’s Accounts Receivable

8

Collateral Analysis, Part III - Solving the Problems

• Understanding Accounts Receivable Aging reports

• Borrowing base formulas and certificates

• Unsecured and under-secured loans

9

Risk Ratings, Expected Loss, and Provision for Credit Losses

• Assessing an obligor’s likelihood of repayment

• Dual risk ratings and expected loss

• Provision for Credit Losses and why it matters

Breaking into Banking 201 - Live Workshop

6 Hours of Facilitation - 30 Day Replay Access

- Wednesday, July 19th -
9:30am - 5:00pm EDT / 8:30am - 4:00pm CDT / 7:30am - 3:00pm MDT

$275

one-time payment

If your bank has six or more bankers to enroll, please contact Andy Keusal at andy@keusallearning.com or (614) 634-1474 to discuss a group discount.