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Using Personal Tax Returns for Global Cashflow: What's Cashflow and What Isn't

Friday, December 6th, 2019   10:00 am - 12:00 pm CT

Length: 2 hrs         Sponsored by Bank Webinars

Click Here to register $265.00

Click Here to register and receive CD recording $395.00

Understanding and quantifying global cash flow is becoming more of a necessity for financial institutions that lend money to businesses. Understanding and analyzing information in personal income tax returns is an important aspect of recognizing the financial condition of loan guarantors. To accurately calculate global cash flow, a lender needs to know how to take information in personal tax returns and apply it correctly.

Lenders will learn how to interpret information in personal tax returns to determine the ability of customers who guarantee loans to add strength to loan requests. We'll work with individual federal tax return forms and schedules to help identify the places in tax returns that address cash flow, as well as those places that don't.

Learn what forms and schedules in personal tax returns you should pay attention to and what you should ignore.

Covered Topics

  • Understanding those sections of the tax return that are important for determining a borrower's ability to generate cash flow
  • Identifying cash inflows and outflows from tax returns
  • The relevance of information in various tax schedules
  • The difference between cash flow and taxable income
  • Understanding how personal cash flow is generated from owning small businesses, sole proprietorships, partnerships, corporations and limited liability companies
  • 2018 tax law changes

Who Should Attend?

Credit Analysts, Loan Officers, Branch Managers, Loan Committee members


Vincent DiCara is currently the owner of DiCara Training and Consulting LLC which he established in January of 2013.  Formerly, he was the co-owner and founder of Development Finance Training and Consulting, Inc. (DFTC) which he established in 2003.  Mr. DiCara has been involved in evaluating the credit needs of businesses for thirty years as a business advocate, lender, credit analyst and trainer. 

Since 1995, Mr. DiCara has developed and conducted a wide variety of training programs for individuals who work in the financial services industry sector.  His training clients include organizations in the credit union, banking, economic development, and community development fields.  Mr. DiCara's training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.

Mr. DiCara is a graduate of Bowdoin College in Brunswick, Maine and received a Masters Degree in Public Administration from the University of Maine.  A native of Boston, Massachusetts, he has been a resident of the State of Maine for the last thirty-eight years.