What You'll Learn
Understanding early warning signs of credit risk empowers bankers to proactively manage loan portfolio health. By learning to identify key trends and ratios that signal financial weaknesses, bankers can detect issues before they escalate. Applying best practices in prescreening and analyzing loan opportunities ensures more reliable credit decisions, especially for operating companies. Ultimately, this knowledge supports more accurate risk ratings and stronger portfolio monitoring, reducing losses and improving overall credit quality.
Topics covered in this session
Balance Sheet Analysis
- Specific Asset and Liability Accounts
- Trend Analysis
- Liquidity, Leverage, Activity Ratios
Income Statement Analysis
- Revenue Changes
- Specific expense line items
- The fallacy of profitability and DSCR
Statement of Cash Flows
- Cash impacts of asset and liability fluctuations
- Capital Expenditures
- Sources of Financing
Personal Financial Information
- PFS
- Tax returns
- Credit reports
Who Should Attend:
- Credit professionals
- Lenders
- Risk managers
About the Author:
Joe Davis has been in the banking industry for over 25 years, primarily in commercial credit and lending roles, including serving as Chief Credit Officer of a $1.2 billion community bank. Joe has extensive knowledge of credit analysis, portfolio monitoring, and risk management. Joe earned an MBA from University of Michigan-Flint, a BA in Economics from Michigan State University, and completed the Graduate School of Banking at Colorado.
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