Ratio Analysis to Determine Financial Strength Webinar

Credit (Risk) Analysis is one of the most important functions performed by financial institutions. Since interest and fee income from loans represent the largest source of revenue for financial institutions, it is vital that thorough credit analysis be performed before loans are approved and funded.

The Credit Analysis process starts with spreading historical financial statements and then calculating key ratios to determine the financial health of an organization. The purpose of this course is to expose the participant to the five vital signs of any organization and the required ratios to identify them. A detailed identification and definition of ratios will be covered.

Covered Topics:

1.  Liquidity
Current / Quick Ratios
Working Capital Analysis
Defensive Interval Ratio
Activity Ratios for Working Capital Assets
Activity Ratios for Working Capital Liabilities

2.  Leverage
Ratios to Measure the Proportion of Support Provided by Owners and Creditors

3.  Asset Management
To Measure the Ability of Management to Utilize Their Assets to Generate Sales and Profits

4.  Operations
Performance Ratios to Measure the Relationship Between Sales, Costs and Expenses and How Their Changes Affect the Bottom Line

5.  Cash Flow
Uniform Cash Analysis to Determine the Sources and Uses of a Firm’€™s Cash as a Means of Serving Long-Term Debt

You’ll leave with a deeper understanding of ratio and credit analyses during the underwriting process. This translates into well-organized, clearly written credit memoranda so you’ll be more confident explaining trends and the financial impact on customers and prospects.

Who Should Attend?

  • Credit Analysts
  • Commercial Lenders
  • Consumer Lenders
  • Senior Credit and Loan Officers
  • Loan Review Officers
  • Auditors
  • Directors
  • Branch Managers

Continuing Education (CE) Credits

This webinar is recommended for 2.5 CE Credit Hours. Each attendee will receive a Certificate of Attendance for self-reporting of CE Credits.

View Delivery Options

Related Topics


Jeffrey Johnson
Jeffrey Johnson

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commerci... read more.

Course TitleCreditsStart DateStart TimeDelivery TypeDelivery OptionInstructor / LocationPrice
Ratio Analysis to Determine Financial Strength Webinar.25 Any AnyWebinarOn-Demand Jeffrey Johnson$279.00 Register Now
Delivery Options

Webinars for Banks and Credit Unions

Live Webinar:

INCLUDES 30 DAYS OF ONDEMAND PLAYBACK! With this option, you will participate in the webinar as it is being presented. You will login to the webinar on your PC to view the PowerPoint presentation, and you have the option of using your PC speakers or a phone for the audio. You can type and send your questions to the instructor.  And don’t worry if you miss the webinar, you can still view it for up to thirty days after it takes place!

Live Plus Twelve Months OnDemand Playback:

With this option, you will receive the live version, then you will receive an e-mail that contains a link to the PowerPoint slides (to download, print, and copy) as well as a link where you will view and hear the entire webinar just as it was delivered, featuring the full-color PowerPoint presentation with audio. You can pause, fast-forward and rewind as needed, which makes it an effective training tool. The link will be available to you (and anyone else in the company) for up to twelve months and can be accessed 24/7 as many times as you wish. Delivered via e-mail the day after the webinar takes place.

Live, Twelve Months OnDemand Playback PLUS Digital Download:

By adding the Digital Download to your order, you will be adding access to make the webinar part of your training library.  You can pause, fast-forward and rewind as needed, which makes it an effective training tool. With this option, you will receive a download of the PowerPoint slides as well.  Access to the Digital Download is for the life of your library.

Powered by
    Your Cart
    Your cart is emptyCourses and Events