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Credit Curriculum

I. Credit Curriculum: Fundamentals - Overview

... credit analysis for good and bad times

These three courses provide a review of key accounting concepts, principles, and applications: a thorough examination of performance ratio computation and interpretation, including adjustments for "hidden" expenses in the form of distributions and loans to owners: and an exploration of the impact on critical performance ratios - especially the Business Drivers - as the quality of data varies across management-prepared, compiled, reviewed, and audited financial statements.

Target Audience

The three Fundamentals courses are designed for analysts and lenders new to commercial lending.

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To see more detail on each session, click the session links below.

Description
1. The Language of Business
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4.77 (40 reviews)
... debits and credits do matter
In this self-study course, participants review and examine the process of applying debits and credits in recording common business transactions. They review the accounting equation and its importance in assuring the proper recording of debits and credits. They explore the financial statement impact of incorrect accounting entries. In addition, participants examine the role of critical accounting principles and the resulting impact on financial statements from their omission or misapplication. Further, they identify the differences between cash and accrual accounting.
2. Financial Statement Analysis
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... running the numbers in search of profit
In this self-study course, participants review and examine the legal and financial statement differences between Subchapter C corporations, Subchapter S corporations, partnerships, limited liability companies, and sole proprietors. They explore the use and impact of distributions and loans to owners on reported profit and profit available to service a borrower's interest-bearing debt. They construct and interpret key financial performance ratios in the credit assessment process across different business organizations.
3. Financial Statement Quality
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... some numbers are better than others
In this self-study course, participants review and examine the analytical challenges presented by company prepared, compiled, reviewed, and audited financial statements. They explore the resulting impact on key financial performance ratios. They identify linkage between the income statement and balance sheets as well as identify balance sheet counterpart accounts for each revenue and expense account. Participants review the role of footnotes and examine the information they may provide about financial quality and debt service prospects.