Advanced UCA Cash Flow Analysis
Part 1
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In this 1st course of the Advanced Cash Flow Statement Analysis Skill Series, participants will learn to construct and use UCA cash flow statements, classify accounts accurately, and identify misleading risk messages to assess their impact on credit decisions.
Certificate
1 credit or $295
Cost
1.5 - 2 Hrs.
Duration
1 hr.
Prep Time
1
Quiz
Overview
Participants examine the construction and use of the Uniform Credit Analysis (UCA) cash flow statement for borrowers with income statement and balance sheet accounts that require considerable review and assessment in classifying accounts as operating events, investing events, related party events, or financing events. They identify the misleading risk messages that can emerge should critical accounts be improperly classified - or improperly spread in a financial analysis software system - and assess the possible impact on a credit decision.
Who Should Take This Course
This Course is ideal for participants currently in or aspiring to enter the following job functions:
- Credit Management
- C & I Lending
- CRE Lending
- Corporate Lending
- Special Assets
- Health Care Provider Lending
- Credit Analysis
- Loan Support
Prerequisites
A sound working knowledge of the construction and use of the UCA cash flow statement.
Objectives
By the end of the webinar, participants will be able to:
- Identify the likely source of cash to pay interest expense and repay debt as scheduled from careful examination of movements in the Business Drivers.
- Identify the proper classification of numerous income statement and balance sheet accounts as a) operating events, b) investment events, c) related party events, or d) financing events.
- Identify the likely balance sheet counterpart accounts for each revenue and expense account on the income statement.
- Properly construct a UCA cash flow statement, given specific classification decisions, and use the results to identify a) borrowing causes, b) cash sources of debt service, c) financing requirements and d) cash sources of financing.
- Trace through the impact on the identification and assessment of a) borrowing causes and b) sources of cash to service debt from alternative classifications of specific balance sheet accounts.
- Assess the borrower's ability to manage its income statement, its balance sheet, and its resulting cash flow.
Materials(access provided with registration)
- Credit Refresher on The ABCs of Cash Flow
- Financial Statements for Western Star Energy, Inc.
- Exercise for the Webinar
- Webinar Presentation Slides
- Webinar Poll Questions
- Webinar Poll Solutions
- Exercise Solutions
This is Course 1 of 2 in the Advanced Cash Flow Statement Analysis Skill Series
Advanced UCA Cash Flow Analysis Part 1
Advanced UCA Cash Flow Analysis Part 2
