This basic course
presents several aspects of
analyzing personal financial
statements and tax returns,
including estimating cash flow
from the personal financial
statement and the tax return to
determine if personal and
business cash flows are
sufficient to repay a loan.
Topics Will Include:
- Review the 1040 tax return and appropriate
schedules to evaluate the borrowers personal
cash flow
- Evaluate the personal financial statement to
determine if the borrower has sufficient assets
to personally guarantee a loan
- Strengthen the underlying asset value of
your portfolio through an understanding of
adjusted net worth
- Illustrate the changes brought about by the
new tax code
- Know which sections of the tax return can be
ignored
- Develop strategies for predicting future
cash flow
- Understand the basics of corporate structure
- Estimate and analyze cash flow from business
tax returns including C Corporations,
S Corporations, Partnerships, Limited Liability
Corporations and Limited Liability Partnerships
- Evaluate K-1 information to determine cash
distributions
- Understand how taxes influence cash flow
- Examine how taxes influence the customer's
operations
- Identify the most relevant sections of
business tax returns that affect cash flow
Who Should Attend?
Commercial lenders, credit analysts, small business
lenders, middle market lenders, private bankers; loan
review specialists, special assets officers, lending
managers and credit officers will benefit from attending
this webinar.
Instructor
An authority on financial and credit risk, Mr. Tom Carlin
is a Managing Partner at Eensight. He has worked with major banks,
insurance companies and regulatory agencies over the last twenty
years, designing and teaching financial topics including: basic,
intermediate and advanced credit and financial statement analysis,
business lending for branch bankers, accounting for bankers, basic
intermediate and advanced cash flow analysis, loan structuring,
consumer lending and trade finance.
His audiences include business bankers, recent graduates going
through the organizations basic credit training program, senior
management personnel that need to know the basics of accounting and
financial statement analysis, middle market lenders with many years of
experience and regulatory agency personnel.
Each program he designs and teaches is tailored to the individual
customer with the products, procedures and culture of the organization
incorporated into the course design. The complexity and intensity of
the programs are adjusted to reflect the needs of the participants and
the logistical training issues faced by the organization.
He is the author of “Financial Statement Analysis” published by the
American Bankers Association in 1994. He is also the author of
“Consumer Lending”, published by The Center for Financial Training in
2015.
He has designed and taught programs in risk analysis for Citibank,
Wells Fargo, American International Group, Capital One, Chase
Manhattan Bank, First Tennessee, M & T, Union Bank, and The Bank of
China. He has also taught the “Credit Risk Analysis Program” at the
Federal Reserve Bank.
Prior to Eensight, Mr. Carlin was a Regional Director for Omega
Performance Corporation. He was also a Vice President with Bankers
Trust in New York. He was responsible for marketing credit and trade
finance products to corporate clients and correspondent banks
worldwide.
Mr. Carlin has a Masters of International Management degree from
The Thunderbird School of Global Management and a Bachelor of Arts
Degree from Villanova University.
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