WBA Workshop: Numbers Talk & Bankers Need to Listen
The WBA Workshop: Numbers Talk & Bankers Need to Listen will start at 9 am and conclude at 3 pm on Monday, August 4, 2025.
This one day workshop will provide lending professionals with practical tools to understand business cash flow variables; including gross margins, ratios, and cash flow statement components. Focusing on calculating and interpreting ratios and cash flow, the participants will understand what the borrower’s financial statements are saying. This practical interactive seminar will include actual lending stories, allow participants to ask questions and interact with other bankers, as well as discuss solutions using real life cases.
As this is an intermediate level program, participants should have at least 3 years’ experience, or have successfully taken introductory lending courses or foundational commercial lending courses previously.
Note: Bring your laptop!!
In this full day seminar, the following will be addressed:
- Types of financial statements and quality of information
- What truly comprises gross margin and what causes it to change
- How to analyze any ratio and determine cause(s) of change
- How to calculate and interpret key lending ratios: current, quick, working capital, accounts receivable days, inventory days, financial and operating leverage
- How to calculate traditional cash flow with adjustments for special circumstances
- Global cash flows: models and mistakes
- Uniform Cash Flow Analysis, including how to analyze in less than 5 minutes
Who Should Attend:
Commercial lending and risk management staff: lenders, credit analysts, loan administration, and loan review personnel. As this is an intermediate level program, participants should have at least 3 years’ experience, or have successfully taken introductory lending courses or foundational commercial lending courses previously.
Registration Information:
The registration fee of $275 includes program registration and instruction, electronic materials delivered via email a few days prior to the workshop, a lunch buffet and refreshment breaks.
Refund Policy: A refund, less a $25 administrative fee, is provided for written cancellations received by WBA on or before July 28, 2025. All requests for cancellations or substitute registrations must be provided in writing to WBA Education.
Need a hotel room near the WBA office?
Several hotels are located in the same business park as the WBA office. Please visit the WBA website for a listing of available negotiated rates.
