What You'll Learn
This course dives deep into Uniform Credit Analysis (UCA) cash flow statements. Participants will gain an understanding of all sources and uses of cash from both the balance sheet and the income statement. Credit analysis considerations and methodologies are a main takeaway. This information is designed for credit professionals, lenders, and risk managers seeking to deepen their underwriting skills.
Topics covered in this course
- Types of cash flow statements
- Direct
- Indirect
- UCA: uniform credit analysis
- Trading accounts
- AR, Inventory, AP, Accruals
- Sources & uses of cash
- Sales growth impact
- UCA statement sections
- Operations
- Cash After Debt Amortization (CADA)
- Distributions & Withdrawals
- Capital expenditures & maintenance CapEx
- Financing surplus (requirement)
- UCA credit analysis
- Strengths & weaknesses
- Compare and contrast to DSCR
- Balance sheet impacts
- Income statement impacts
- Management assessment
- Real-Life examples
*This program does NOT qualify, nor meet the National Standard for NASBA accreditation.
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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