Financial Statement Analysis/Beginning and Advanced

Contact Tom Carlin


(914) 834 4555

Financial Statement Analysis – Beginning and Advanced

Length 2 days

Course Goal 
This course addresses financial statements the way a branch banker would in the process of his or her work. 

Course Objectives
Upon completion of the course, participants will be able to demonstrate their knowledge of the following:

  • How to skeptically review all of the major accounts in the balance sheet, income statement and statement of cash flows
  • How to analyze trend in the major accounts
  • How to analyze the company’s performance with ratios and address the implications for a firm’s future debt repayment ability
  • How to analyze funds flow, cash flow, and net income
  • How to mitigate the risks found in the numbers
  • How to evaluate industry risk including strategic plans and market share
  • How to present the information to a credit committee

The Eensight approach is to customize all materials and case studies to reflect the lending environment actually experienced by the participant. Lecture and discussion, supplemented by group exercises and role play keep the course both fast paced and interesting.

The advanced session is designed for more experienced bankers, while the beginning version is appropriate for new hires and participants unfamiliar with ratios and financial statements.

Who Should Attend?
This course is appropriate for anyone who works in a branch setting or in retail banking including: Branch Managers, Assistant Branch Managers, Small Business Lenders, Relationship Managers, and Portfolio Managers.

Course Objectives
The course objectives will vary depending upon whether the participants need to evaluate a commercial or consumer request. The cases are tailored to the size transaction the participants will typically see and whether they evaluate financial statements and/or tax returns. These courses get participants back to basics in that they learn to truly understand the customer, understand the borrowing need and repayment source, get the appropriate information, and structure the loan accordingly.


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