WBA/ABA Online Course: Analyzing Financial Statements

This 16-week online facilitated course provides bankers with a practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan.

Learning Objectives:

• Analyze the financial data and evaluate the risks of different industries
• Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
• Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
• Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

Audience:

Commercial and/or business bankers and credit analysts.

Session dates:

December 1, 2025 through March 27, 2026

What is a facilitated online course?

Join an online course with group collaboration, instructor feedback and guidance, and fixed start and end dates. Facilitated online courses provide an opportunity to meet your learning goals with the benefit of a classroom, but in an online environment:

• Peer interaction in the learning community with the instructor and other students keeps you actively engaged and motivated
• Experienced industry professionals provide frequent feedback and context to your learning
• Convenient weekly schedule with no required meeting times means you decide when to work on course assignments