Series 3: Analyzing the Company’s Financial Performance and Financial Condition


Interpreting repayment risks suggested by the company's historical financial performance and financial condition.

Courses include:

    LDP 3.1 - Spreading Financial Statements
    LDP 3.2 - Analyzing the Balance Sheet
    LDP 3.3 - Analyzing the Income Statement
    LDP 3.4 - Analyzing Combined Balance Sheets and Income Statements

Learning Obj​​​​ectives

After completing this course, students will be able to:
  • Apply financial statement spreading techniques to reclassify accounts and provide details needed to prepare financial statements for credit analysis
  • Convert financial statements to a format that expresses accounts as percentages of total sales of or total assets
  • Compute a company's liquidity using various ratios
  • Analyze a company's ability to meet its short- term obligations
  • Determine how a company's industry sector influences it financial statement characteristics
  • Compute a company's leverage using various ratios
  • Analyze a company's ability to meet its long-term obligations
  • Determine how a company's industry sector influences it financial statement characteristics
  • Calculate and analyze a company's profit margins
  • Perform a trend analysis on a company's profitability
  • Compare a company's profitability with industry composites
  • Compute and analyze a company's productivity ratios
  • Compare a company's productivity trends with industry composites
  • Compute and analyze a company's efficiency ratios
  • Compare a company's efficiency trends with industry composites

​Audience

Loan trainees, credit analysts, and anyone with commercial lending authority.

Course Credits

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The Commercial Real Estate Lending Decision Process and the courses in the curriculum are products of The Risk Management Association.


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Questions? Please contact training@aba.com for more information.
 

 Benefits of Self-Paced Training

 
  • Ultimate flexibility
  • Quizzes to support learning
  • Mobile format available
 

 Registration & Pricing

 

Individual Purchase:
ABA Member • $200
Non-Member • $400

Purchase for a Team:
To license this course to your bank for multiple learners, please contact ABA Training.

 

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