On Demand Course

UCA Cash Flow Analysis

Gain cash flow analysis skills for stronger credit decisions.

Joe Davis 1 HR
Included with Team Membership

About This Course

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.

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

What You Will Learn

After attending this course, you will be able to:

  • Identify cash flow statement types, understanding the value of each
  • Assess credit issues and financial health
  • Analyze trading accounts and their impact on cash flow
  • Explain financial trends and business viability

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

Your Instructor

Joe Davis
Joe Davis

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.

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