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Key Ratios

Wednesday, August 22nd, 2018

10:00 am - 12:00 pm CT

Length: 2 hours                    Sponsored by Bank Webinars

Click Here to register $265.00

Click Here to register and receive CD recording $395.00

Ratios are a key component of the credit analysis process as a variety of different ratios are employed by lenders to assist in determining the strengths and weaknesses of businesses.

This program will examine commonly used ratios to determine what they mean and what they tell us about a business. This program is for new lenders who wish to understand the significance of commonly-used ratios and their inclusion in credit reports.

Topics Will Include:

  • How to calculate a business’ operating cycle
  • Working capital ratios
  • The Debt/equity Ratio
  • The Debt service Coverage Ratio (DSCR)
  • Loan to Value ratios and their connection to collateral coverage

Who Should Attend?

New Credit Analysts, new Loan Officers and other personnel looking for a basic understanding of business credit analysis.


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.