{"product_id":"interpreting-financial-statement-spreads-copy","title":"Interpreting Financial Statement Spreads","description":"\u003cp data-olk-copy-source=\"MessageBody\"\u003eThis webinar answers the question: “I have these financial statement spreads, now what?”.  It is designed to arm credit and lenders with the basic skills they need to interpret and analyze spreads. The webinar helps to add context – delving into the “how” and “why”, not just the “what”.\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003e\u003cu\u003eTopics covered in this session\u003c\/u\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cp\u003eIntroduction and General Info\u003c\/p\u003e\n\u003col type=\"1\" start=\"1\"\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli\u003eSpreading software and results\u003c\/li\u003e\n\u003cli\u003eTrend analysis\u003c\/li\u003e\n\u003cli\u003eIndustry averages\u003c\/li\u003e\n\u003cli\u003eFinancial statement types and quality\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ol\u003e\n\u003cp\u003eOverview of Reports\u003c\/p\u003e\n\u003col type=\"1\" start=\"1\"\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli\u003eBalance sheet - $ and %\u003c\/li\u003e\n\u003cli\u003eIncome statement - $ and %\u003c\/li\u003e\n\u003cli\u003eUCA cash flow\u003c\/li\u003e\n\u003cli\u003eRatios\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ol\u003e\n\u003cp\u003eBalance sheet\u003c\/p\u003e\n\u003col type=\"1\" start=\"1\"\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli\u003eWorking capital\u003c\/li\u003e\n\u003cli\u003eCPLTD\u003c\/li\u003e\n\u003cli\u003eTrading accounts\u003c\/li\u003e\n\u003cli\u003eNet worth\u003c\/li\u003e\n\u003cli\u003eIntangibles\u003c\/li\u003e\n\u003cli\u003eSubordinated debt\u003c\/li\u003e\n\u003cli\u003eFluctuations in various line items\u003c\/li\u003e\n\u003cli\u003e“Other” items\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ol\u003e\n\u003cp\u003eIncome statement\u003c\/p\u003e\n\u003col type=\"1\" start=\"1\"\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli\u003eSales and margins over time\u003c\/li\u003e\n\u003cli\u003eDepreciation expense\u003c\/li\u003e\n\u003cli\u003eRent expense\u003c\/li\u003e\n\u003cli\u003eOfficer salaries\u003c\/li\u003e\n\u003cli\u003eDistributions\/withdrawals\u003c\/li\u003e\n\u003cli\u003eFluctuations in various line items\u003c\/li\u003e\n\u003cli\u003e“Other” items\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ol\u003e\n\u003cp\u003eUCA cash flow\u003c\/p\u003e\n\u003col type=\"1\" start=\"1\"\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli\u003eDifference versus traditional cash flow (DSCR)\u003c\/li\u003e\n\u003cli\u003eCash inflows and outflows\u003c\/li\u003e\n\u003cli\u003eTrading accounts as sources \u0026amp; uses of cash\u003c\/li\u003e\n\u003cli\u003eCADA\u003c\/li\u003e\n\u003cli\u003eFinancing Surplus (Requirements)\u003c\/li\u003e\n\u003cli\u003eExternal Financing\u003c\/li\u003e\n\u003cli\u003eCapital Expenditures\u003c\/li\u003e\n\u003cli\u003eDays on Hand (efficiency) versus sales trends\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ol\u003e\n\u003cp\u003eRatios\u003c\/p\u003e\n\u003col type=\"1\" start=\"1\"\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli\u003eLiquidity\u003c\/li\u003e\n\u003cli\u003eLeverage\u003c\/li\u003e\n\u003cli\u003eProfit Margins\u003c\/li\u003e\n\u003cli\u003eTrading Account Turnover\u003c\/li\u003e\n\u003cli\u003eSustainable Growth Rate\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/ol\u003e\n\u003cp\u003eSummary, Conclusion, and Best Practices\u003c\/p\u003e\n\u003cp\u003e\u003cb\u003e\u003cu\u003e\u003cspan\u003eWho Should Attend:\u003c\/span\u003e\u003cspan\u003e\u003c\/span\u003e\u003c\/u\u003e\u003c\/b\u003e\u003c\/p\u003e\n\u003cul type=\"disc\"\u003e\n\u003cli\u003e\n\u003cspan\u003eNew credit analysts\u003c\/span\u003e\u003cb\u003e\u003cu\u003e\u003cspan\u003e\u003c\/span\u003e\u003c\/u\u003e\u003c\/b\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eLenders\u003c\/span\u003e\u003cb\u003e\u003cu\u003e\u003cspan\u003e\u003c\/span\u003e\u003c\/u\u003e\u003c\/b\u003e\n\u003c\/li\u003e\n\u003cli\u003e\n\u003cspan\u003eLoan reviewers\u003c\/span\u003e\u003cb\u003e\u003cu\u003e\u003cspan\u003e\u003c\/span\u003e\u003c\/u\u003e\u003c\/b\u003e\n\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eRegulators\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003e*This program does NOT qualify, nor meet the National Standard for NASBA accreditation. \u003c\/span\u003e\u003c\/p\u003e","brand":"BankersHub","offers":[{"title":"Default Title","offer_id":45863893074095,"sku":"ODC0909251","price":299.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0646\/2894\/9167\/files\/InterpretingFinancialStatementSpreads.png?v=1752760430","url":"https:\/\/www.bankershub.com\/products\/interpreting-financial-statement-spreads-copy","provider":"BankersHub","version":"1.0","type":"link"}