Events

The WBA Commercial Lending School will be held October 12–14, 2022 at the Wisconsin Bankers Association office in Madison. Classes will begin at 9:00 a.m. on Wednesday and conclude at 2:45 p.m. on Friday.

This school was developed as an advanced-level program, assuming participants have work experience and prior training in commercial lending and/or financial statement analysis. Case studies, in-class work, instructor-led discussions, and facilitation are all elements of this school with an emphasis on cash flow, financial analysis, and structure.

Curriculum topics include:

  • Review of foundational concepts and types of business
  • Risk Concepts
  • Advanced Concepts in Analyzing Financial Statements
  • Loan Structure & Support
  • Responsible CRE Lending
  • Effective Relationship Management
  • Projecting Future Performance
  • Establishing Credit Discipline
  • Identifying and Managing Problem Loans

School Requirements: Successful completion of the school will be based on class attendance and participation in group case study work and group discussions.

Registration Information: The student fee of $895 includes program registration, materials, and daily lunch and refreshment breaks.

Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

This course is the recommended prerequisite for Analyzing Financial Statements.

The required textbook for this course is College Accounting, 13th Edition.

IMPORTANT:  Be sure to order the required book for this course.  We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart.

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.

Recommended Prerequisite: General Accounting.

The required textbook for this course is Analyzing Financial Statements, 8th Edition.

IMPORTANT:  Be sure to order the required book for this course.  We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart.

Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

This course is the recommended prerequisite for Analyzing Financial Statements.

Audience: Bank personnel at any level with little or no accounting background

The required textbook for this course is College Accounting, 13th Edition.

IMPORTANT:  Be sure to order the required book for this course.  We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart

Price: $471

Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

This course is the recommended prerequisite for Analyzing Financial Statements.

Audience: Bank personnel at any level with little or no accounting background

The required textbook for this course is College Accounting, 13th Edition.

IMPORTANT:  Be sure to order the required book for this course.  We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart

Price: $471

Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

This course is the recommended prerequisite for Analyzing Financial Statements.

The required textbook for this course is College Accounting, 13th Edition.

IMPORTANT:  Be sure to order the required book for this course.  We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart.

Price: $471

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.

Recommended Prerequisite: General Accounting.

Audience: Commercial and/or business bankers and credit analysts

The required textbook for this course is Analyzing Financial Statements, 8th Edition.

IMPORTANT:  Be sure to order the required book for this course.  We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart.

Cost: $455

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.

Recommended Prerequisite: General Accounting.

Audience: Commercial and/or business bankers and credit analysts

The required textbook for this course is Analyzing Financial Statements, 8th Edition.

IMPORTANT:  Be sure to order the required book for this course.  We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart.

Cost: $455

Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

This course is the recommended prerequisite for Analyzing Financial Statements.

The required textbook for this course is College Accounting, 13th Edition.

IMPORTANT:  Be sure to order the required book for this course.  We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart.

Price: $471

This program covers how to calculate and analyze the basic set of financial statement (or tax return) ratios for operating businesses. Preliminary steps (covered in related programs) include understanding the types of financial statements and level of accountant involvement, distinguishing between cash and accrual accounting methods, and the unique format and features of business tax returns. We now turn to the four primary sets of ratios: (1) liquidity, (2) leverage, (3) profitability, (4) efficiency, and (5) debt coverage. Using a comprehensive case, calculations are demonstrated, as wells as major issues, strengths and limitations of the various ratios. Participants will work from a ratios reference guide that is intended to be a resource for future statement spreading.

Topics to be covered include:

  • Basic guidelines for classifying and spreading the data
  • Identify the key components of a balance sheet
  • Calculate liquidity and leverage ratios for an example business and interpret the results
  • Identify situations with positive or negative working capital
  • Describe common-sizing of the balance sheet
  • Identify the key components of an income statement
  • Calculate profitability and traditional cash flow measures for an example business and interpret the results
  • Calculate efficiency and debt coverage ratios for an example business and interpret the results
  • Explain the use of industry and comparative data within financial analysis

Target Audience: Credit analysts, portfolio managers, assistant relationship managers, community bankers, small business lenders, commercial lenders, consumer lenders, branch managers that lend to business owners, private bankers, special assets officers, loan review specialists, and others involved in business and commercial lending

Presenter
Richard Hamm, Advantage Consulting & Training

Registration Option
Live presentation $330

Recording available through March 13, 2023