Cash Flow Analysis: A 4-Part Workshop Series is a comprehensive, hands-on series designed to help lenders and credit professionals move beyond surface-level analysis and confidently assess a borrower’s true repayment capacity. Through practical examples and structured exercises, participants will develop a deep understanding of how cash flows through a business and how industry and business risk elements affect management decisions, and operating performance.
Over four sessions, attendees will analyze historical financial performance using key ratios and link those results to management actions and strategic decisions. The workshop walks step-by-step through cash flow logic and construction, including evaluating sources and uses of cash, understanding the cash conversion cycle, and distinguishing between operating, investing, and financing cash flows. Participants will examine working capital components, explore borrowing needs driven by changes in the cash cycle, and see how financial ratios directly influence cash flow strength.
The series also provides practical instruction on building cash flow statements using balance sheets and income statements, comparing common cash flow methodologies such as UCA, indirect, free cash flow, global cash flow, and EBITDA. Participants will learn how to assess the sustainability and predictability of cash flows, apply appropriate covenants to protect repayment, and ultimately make sound credit decisions. The workshop concludes by helping attendees move beyond “elevator analysis” to produce stronger, more defensible credit write-ups grounded in cash flow reality.
Cash Flow Analysis: Foundations of Cash Flow & Financial Performance Workshop – Part 1
This workshop is designed to teach the analytical process and decision-making techniques that you will need in order to make sound credit decisions through the application of cash flow analysis.
Upon completion of the workshop participants will be able to:
Analyze how industry and business risk elements affect management decision and financial performance.
Describe how key financial ratios can affect cash flow
Cash Flow Analysis: Cash Flow Mechanics, Cycles, & Working Capital Workshop – Part 2
This workshop is designed to teach the analytical process and decision-making techniques that you will need in order to make sound credit decisions through the application of cash flow analysis.
Upon completion of the workshop participants will be able to:
Explain the cash conversion cycle
Examine the components of working capital
Explore borrowing needs caused by changes in the cash cycle
Evaluate sources and uses of cash on the financial statements.
Improve the probability of repayment through a solid understanding of cash flow logic and construction
Cash Flow Analysis: Building & Interpreting Cash Flow Statements Workshop – Part 3
This workshop is designed to teach the analytical process and decision-making techniques that you will need in order to make sound credit decisions through the application of cash flow analysis.
Upon completion of the workshop participants will be able to:
Create a cash flow statement using two balance sheets and one income statement
Discuss the difference in cash flow methodology, including: UCA, indirect, free cash flow, global cash flow, and EBITDA
Determine the sustainability and predictability of cash flow to implement the company’s business strategy
This workshop is designed to teach the analytical process and decision-making techniques that you will need in order to make sound credit decisions through the application of cash flow analysis.
Upon completion of the workshop participants will be able to:
Describe the appropriate covenants to use to protect cash flows.
Make a decision on a credit request.
Learn how to get past elevator analysis in a credit write-up.
What You’ll Learn
Upon completion of the workshop participants will be able to:
Analyze the company’s historical financial performance, including ratio analysis and linkage to management actions and decisions.
Improve the probability of repayment through a solid understanding of cash flow logic and construction.
Evaluate sources and uses of cash on the financial statements.
Explain the cash conversion cycle.
Describe the difference between operating, investing and financing cash flows.
Describe how key financial ratios can affect cash flow.
Explore borrowing needs caused by changes in the cash cycle
Examine the components of working capital.
Create a cash flow statement using two balance sheets and one income statement
Discuss the difference in cash flow methodology including: UCA, indirect, free cash flow, global cash flow and EBITDA.
Determine the sustainability and predictability of cash flow to implement the company’s business strategy.
Describe the appropriate covenants to use to protect cash flows.
Make a decision on a credit request.
Learn how to get past elevator analysis in a credit write-up.
Who Should Attend
Commercial and business lenders, Credit analysts and underwriters, Relationship managers responsible for structuring and monitoring credit, Loan review and credit administration professionals, Portfolio managers overseeing commercial loan portfolios, Banking professionals seeking to strengthen cash flow–based credit analysis and write-ups.
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