Cash Flow Statements Vs. Proxies for Risk Assessment
Mastery Series
Use the cash flow statement and proxies to calculate the cash impact of business drivers, explain operating results, and assess borrower competence. Learn how to adjust cash flow proxies to measure borrower debt capacity and assess borrower risk.
“The instructor did a great job by maintaining a good pace and providing an easy to follow description of why things are they way they are.”
~Director of Credit Administration, Regional Bank in Michigan
What You Will Learn
Understand the benefits and limitations of each cash flow statement and proxy in addressing these fundamental issues. They will learn to calculate the cash impact of movements in business drivers, explain operating cash flow results, and assess a borrower's competence in managing its income statement, balance sheet, and operating cash flow. Finally, participants will understand how to adjust cash flow proxies to represent measures of borrower debt capacity, working in tandem with operating cash flow to assess borrower risk.
Target Audience

This Skill Series is ideal for participants currently in or aspiring to enter the following job functions:

  • Credit Management
  • Commercial Credit Administration
  • Commercial Real Estate Administration
  • Commercial Loan Administration
  • C & I Lending
  • CRE Lending
  • Corporate Lending
  • Private Banking
  • Loan Review
  • Special Assets
  • Internal Audit
  • Construction Lending
  • Non-Profit and Municipality Lending
  • Health Care Provider Lending
  • Specialized Lending
  • Credit Analysis
Prerequisites
A working knowledge of accounting concepts and principles, including familiarity with debits and credits, along with an understanding of the standard credit decision process.
Skill Series Courses
UCA Cash Flow, Traditional Cash Flow and EBITDA
Cash Impact Analysis and Management Assessment
FASB 95 Cash Flow Statement conversion to UCA
Cash Flow Proxies, Debt Capacity, and the UCA Cash Flow Statement
4 Credits or $995
more than 100 live, On-Demand and self-study courses
for every member of your credit team.
All include cases, exercises, testing & Reporting