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Reading Financial Statements: A Creditor's Perspective

Date: Friday, July 20, 2018
Time: 1:00-2:30 pm ET

Sponsored by Lorman Education Services

Registration - Live Webinar Only: $219.00

Registration - Live Webinar Plus CD Recording: $288.00


Improve your lending skills by learning how to read and interpret complex financial statements.

This important topic emphasizes a practical approach to correctly interpret financial statements from a creditor's perspective.

Loan officers, credit analysts, and other related parties are required to analyze financial statements as part of their function in underwriting business loans and credit arrangements.

You will be provided with the required tools to correctly interpret the financial statements from a creditor perspective, which will help you improve your lending skills.

Learning Objectives:

  • You will be able to describe the four financial statements.
  • You will be able to define types or quality of financial statements
  • You will be able to discuss notes to the financial statements.
  • You will be able to explain Z-score and sustainable growth models.

This Live Webinar Covers These Hot Issues:

The Four Financial Statements:

  • Income Statement
  • Statement of Retained Earnings
  • Balance Sheet
  • Statement of Cash Flows

Types or Quality of Financial Statements

  • Company-Prepared
  • Compiled
  • Reviewed
  • Audited

Notes to the Financial Statements

A "Five-Step" Financial Statement Analysis Model Covering

  • Liquidity
  • Activity
  • Leverage
  • Operating Performance
  • Cash Flow

The "Z-Score" and "Sustainable Growth" Models

Credit Information (Sponsored by Lorman Education Services)

  • CLE
  • CPE

For Detailed Credit Information page click here

Only registered attendee will receive continuing education credit.


David L. Osburn, M.B.A., CCRA, Osburn & Associates, LLC

  • Founder and managing member of Osburn & Associates, LLC
  • Practice emphasizes business training and contract CFO work
  • Conducts regular seminars, webinars, and keynote speeches covering banking, financing, credit, negotiation skills, marketing, management, and customized topics
  • National Association of Credit Management (NACM) Credential-Certified Credit & Risk Analyst (CCRA)
  • M.B.A degree in finance and marketing; B.S. degree in finance; ABA National Commercial Lending School
  • Can be contacted at 702-655-1187, or website

(Not available outside the US)