On Demand Course

Reading Financial Statements: A Creditor's Perspective

Improve your lending skills by learning how to read and interpret complex financial statements.

Learning Objectives

After completing this course, learners will be able to:

  • Describe the five-step financial statement analysis model.
  • Identify different types or quality of financial statements.
  • Explain the four financial statements.
  • Review financial statements.
Mark J. Fidel 1 HR
Included with Team Membership

About This Course

This important topic emphasizes a practical approach to correctly interpret financial statements from a creditor’s perspective. Loan officers, credit analysts, and other related parties are required to analyze financial statements as part of their function in underwriting business loans and credit arrangements. You will be provided with the required tools to correctly interpret the financial statements from a creditor perspective, which will help you improve your lending skills.

Agenda

  • Introduction to Financial Statements
  • Types or Quality of Financial Statements
  • The Four Financial Statements
    • Income Statement
    • Statement of Retained Earnings
    • Balance Sheet
    • Statement of Cash Flows
  • Notes to the Financial Statements
  • A Five-Step Financial Statement Analysis Model Covering
    • Liquidity
    • Activity
    • Leverage
    • Operating Performance
    • Cash Flow

 

*This program does NOT qualify, nor meet the National Standard for NASBA accreditation. 

Your Instructor

Mark J. Fidel
Mark J. Fidel

• Records Management Consultant and Principal, Applied Records Management
• More than 19 years of experience providing specialized records management consulting services to insurance agencies, law firms, healthcare providers, and financial institutions, with expertise in developing and implementing records management policies and procedures across diverse regulated industries
• Former attorney and commercial litigator with Modrall Sperling, admitted to the State Bar of New Mexico and U.S. District Court, providing legal expertise in commercial litigation, public finance, and regulatory compliance, with a deep understanding of records retention and discovery obligations
• Litigation support specialist with extensive experience managing discovery in record-intensive cases for law firms and corporate clients, including forensic acquisition and production of electronic documents, offering practical insight into e-discovery and legal hold procedures
• Eight years as a technology sales executive in vulnerability and threat management, leading enterprise sales for RiskSense, Inc. and Ivanti, Inc., specializing in cybersecurity solutions for State, Local, and Education (SLED) clients nationwide
• Former Executive Director at the Western States School of Banking, leading educational programming and compliance-focused training initiatives for the regulated banking sector

Training your team?

This course is covered under team memberships.

See Team Memberships
Buying for yourself?
$ 99
Included with Team Membership
Training your team?

This course is covered under team memberships.

See Team Memberships
$ 99
per attendee