Series 6: Using Financial Projections to Fine Tune the Credit Analysis


Constructing and analyzing financial projections to interpret future ability to repay debt, identify the most appropriate type of loan, and to evaluate margins of protection in the event of changes in business, industry or management risks.

Courses include:

  • LDP 6.1 – Using Pro Forma Balance Sheets to Interpret Short Term Repayment Ability
  • LDP 6.2 – Preparing and Interpreting Annual Financial Projections
  • LDP 6.3 – Using Projections to Help Determine Appropriate Loan Type

Audience: Loan trainees, credit analysts, and anyone with commercial lending authority.

Learning Objectives:

  • Explain the benefits of using financial projections in a credit analysis
  • Prepare a pro forma monthly balance sheet to evaluate peak borrowing needs based on a company’s cash budget and projected monthly income
  • statements
  • Prepare an annual financial projection
  • Interpret the ability to repay debt given assumptions about cash flow drivers and other variables
  • Interpret loan types based on projected borrowing needs and repayment sources
  • Determine an appropriate repayment schedule for long-term loans

Related Training: The Lending Decision Process

ABA Certifications: 7.25 CLBB

The New York Bankers Association is a Local ABA Training Provider.

NYBA Professional Development at (212) 297-1679 or
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Member $150
Non-Member $300

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To license this course for multiple learners, contact NYBA Professional Development.