This course is designed to provide bankers (with the responsibility of examining personal and corporate financial statements and tax returns) a clear understanding of this type of financial source. The primary objective of having this required knowledge is to allow the banking analyst to determine the creditworthiness of current customers and prospects.

The course will start by identifying situations when personal financial statements and tax returns are required as opposed to a credit application and then move on to identify the quality of the financial information and making necessary adjustments to reflect the true status of the borrower’s financial condition.

This course will familiarize participants with fundamental analytical tools including shaping a mental picture of your borrower based upon their organizational structure; key financial ratios to consider, cash flow analysis and global cash flow analysis.

Specifically, the course will cover the following areas:

  • Knowing when to require personal financial statements
  • Making required adjustments to personal financial statements for cooperative borrowers and belligerent borrowers during a problem loan situation
  • Review of the personal and corporate financial statement and the major components
  • Calculation of key ratios to determine liquidity, leverage, asset management, operations and cash flow
  • Review of personal and corporate tax returns and how they relate to each other through a case study
  • Review of key tax schedules including Schedules C, D, E, K-1 and others


  • Consumer Loan Officers
  • Commercial Loan Officers
  • Branch Managers
  • Senior Loan Officers
  • Senior Credit Officers
  • Loan Review Personnel
  • Credit Analysts
  • Loan Administrators


"Jeffery did a fantastic job all week keeping us engaged in the material and involved. He was a fantastic coordinator & lead professor"

Cliff Knowlton, Prime South

"WONDERFUL!! Great Instructor, great information. Will definitely attend more of Jeffery's classes".

Ansley Oliver, Georgia Commerce Bank

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