Commercial Financial Analysis: Advanced Financial Analysis

A series of (1) day workshop styled training seminars offering comprehensive training for credit analysts/lenders. Ideal training for preparing new credit analysts for their responsibilities in today’s difficult economy. Attendees start with the basics of financial statements and complete the training by acquiring advanced credit skills. Experienced credit analysts/lenders can sharpen existing skills and obtain advanced tools by attending a specific seminar. Commercial Financial Analysis provides attendees both technical & interpretive analysis skills required in commercial lending. Additionally, attendees gain an understanding of the requirements for underwriting commercial loans in today’s business environment. Registration is per day. It is not required that you attend all 3 days of the training. 

Day 1: Introduction to Financial Analysis
Day 2: Tools of Financial Analysis

June 27, 2024

Member Fee:
Non-Member Fee:

Credit Management 
Attendees learn techniques for the early detection of a financially distressed business.  We review how examiners grade commercial loans in today’s regulatory environment. 

CRE Lending
We cover the following CRE lending topics:

  • Key characteristics of ADC, Construction, Balloon & Bullet, Mini-Perm & Permanent Loans.
  • Typical CRE Loan Documentation & Terms
  • Guidelines for Reviewing CRE Appraisals
  •  Monitoring Construction Draws 

Case Study: CRE Loan
We review how a lender performed a grade review of a partnership that owns an office building.  We scrutinize the property’s projected cash flow and the guarantor’s tax return.

Attendees develop a global cash flow that reconciles the following:

  • He is the majority owner in a Sub-Chapter S Corporation.  He receives a salary and distribution from the S Corp.  The S Corp also owns investment real estate.
  • The guarantor has an investment in a real estate partnership that also owns an equipment parts business both of which are profitable.  However, it has an investment in another real estate partnership that is having cash flow problems.  
  • The guarantor has an investment in a partnership that owns an equipment parts business.  The partnership rents out equipment and owns an interest in another business.  All operations are profitable.  
  • The guarantor owns a commercial rental property in his own name. The property is leased to a local company.
  • The guarantor is receiving payments on a promissory note resulting from the sale of real estate 2 years ago.
  • He has significant contingencies related to his investments.

Attendees that are moderately experienced or have attended the first (2) seminars of Commercial Financial Analysis.  This session focuses on Commercial Real Estate lending, improving Credit Management skills and determining a Guarantor’s Global Cash Flow. We review how to develop cash flow from a Partnership’s 1065 Federal Tax return.

Jim Shreve has 25 years in commercial lending/credit administration with Texas Commerce Bank, Houston, TX.  At the time, the bank was the largest commercial lender in the state of Texas. Besides his lending/credit experience, he has over 10 years of extensive loan work-out experience during the tumultuous Texas economy of the 1980’s.  He holds a Master’s in Finance and a B.S. in Accounting. Since establishing this training business in 2003, literally thousands of commercial banking credit analysts and lenders have attended his training seminars. His workshop styled approach to training is well known for providing a rewarding experience for all attendees regardless of their background, prior experience in lending or credit analysis.

Due to commitments we must make to secure a class, we need your help. If you must cancel your registration, please do so at least 3 business days prior to the seminar date to avoid a $125 cancellation fee per day per person. Any registrant who does not cancel will be billed the full registration fee and sent the manual. Substitutions are welcome at no additional charge.

6/27/2024 8:30 AM - 4:30 PM
LBA/The Bankers Center 5555 Bankers Avenue Baton Rouge, LA 70808 UNITED STATES

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