ANALYZING FINANCIAL STATEMENTS

Course Description:  Analyzing Financial Statements is a practical introduction to financial analysis from the viewpoint of the commercial loan officer. This program gives you the skills you need to effectively assess a borrower's ability to repay loans.

Audience:  Commercial loan officers, credit analysts, and trainees who have a basic knowledge of accounting principles and practices, and a familiarity with the commercial lending process. 

Prerequisites:  General Accounting or Financial Accounting

Learning Objectives:  After completing this course, you will be able to:

• Relate how a company's type of business, legal structure, size and management strategies affect the way a lender conducts financial analysis

• Analyze income statements, balance sheets, and pro forma statements

• Calculate key financial ratios and use them to compare a company's performance with that of the company's industry

• Use advanced analytical techniques: sensitivity analysis, sustainable growth, working investment analysis, break-even analysis, and operating leverage

• Determine when a funds flow statement is required

• Construct and analyze long-run, multiple-year forecasts of income statements and balance sheets

• Construct and interpret a cash budget

Textbook:  Analyzing Financial Statements, 7th Edition - 2007 by George E. Ruth.

Credit:  AIB: 3.0

ACE College Credit Recommendation:  In the lower division baccalaureate/associate degree category, 3 semester hours in Finance or Accounting

Delivery Options: 

• AIB Online Instructor-led course
  Length: 16 weeks;  Price: $485 members; $605 non-members
  Course Start Dates
  Enroll Online ; Print Registration Form

• AIB Self-Study
  Price: $295 members; $375 non-members (text must be purchased separately)

• Resources for in-bank training

For further information, call NYBA Education at (212) 297-1679.