The Credit Managers Tool Box

Overview:

This webinar will cover the entire credit process, from how to obtain the information and what you need to look for in the statements. We will show the relationship between the income statement, balance sheet and statement of cash flows. We will go through an entire analysis process using a variety of ratios including: Liquidity, Activity, Leverage and Profitability. The webinar will show how to common size financial statements for easier comparisons and do a thorough analysis of a company from start to finish and will also show how to write up an effective credit review with financial information (If available) to present to management for approval on your largest accounts.

Time will be spent to discuss the Altman Z score which will tell you the probability of the company going bankrupt within the next 12 months.

Why you should Attend:

Today there is more information available for the Credit profession then ever before. This webinar will show you what tools you need to find the credit information you need. You will learn about the Pro’s and Con’s of buying credit reports, the advantages of being in Industry Trade groups, and discuss how to start a credit analysis. We will discuss where you can find financial information; the web, credit reports, audited financial statements, etc. You will learn how to do a full financial analysis encompassing the Income statement, Balance sheet and Statement of Cash flows. You will learn the importance that the notes to the financial statements provide, the auditors opinion and the management and analysis letter.

Areas Covered in the Session:

• Where to find financial information
• How the SEC and FASB work together to make accounting policy
• How to start the analysis process
• Doing a full financial review of a company 
• If you can get financial information on the customer you will learn what numbers to pull off the financial statements, which ratios to use and how to calculate them
• Learn about the main four auditor’s opinions 
• Performing all the main financial ratios
• Writing a summary of your review to present to management

Who Will Benefit:

• Credit Analysts 
• Credit Managers 
• Bankers 
• Owners of Small Businesses