Ratios, ratios and more ratios! What do they really mean? Many financial professionals, including bankers, use financial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret the ratios in the same manner?
Attend this proactive seminar and learn a “five-step” analysis plan to calculate the key ratios covering liquidity, activity, leverage, operating performance and cash flow analysis and correctly interpret the financial condition of the business client. Upon completion of this seminar, the bank employee also will be able to better negotiate with their business clients, as well as other financial professionals.
The session also will include a review of “spreading” a financial statement using Moody’s Lending Cloud software in order to better analyze the key ratios. This section also will include the bankruptcy (Z-score) predictor and sustainable growth models. Two case analyses will be presented to illustrate the main concepts associated with key ratio analysis.
- Use a “five-step” ratio analysis plan to calculate/interpret the key ratios.
- Discuss “negotiating” with other financial professionals using the ratios.
- Review the Z-score and sustainable growth models.
- Apply concepts using case analyses.
Note: Please have a calculator or laptop (with Excel) for use in the seminar.
Who Should Attend
commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, business development officers
David L. Osburn
Osburn & Associates, LLC
David Osburn is the founder of Osburn & Associates, LLC, a business training and contract CFO firm that provides seminars, webinars and keynote speeches for bankers, CPAs, credit managers, attorneys and business owners on topics such as banking/finance/credit, negotiation skills, marketing and management issues.
Osburn’s contract CFO clients include medical practitioners, financial institutions, law firms, CPA firms, architects, real estate developers and contractors. His extensive professional background of more than 30 years encompasses 20 years as a business trainer/contract CFO and 16 years as a bank commercial lender, including the position of vice president/senior banking officer. His banking credentials include loan underwriting, loan “work-out”, management and business development.
Osburn has been an adjunct college professor for more than 30 years. He holds an MBA from Utah State University and a bachelor’s in finance from Brigham Young University. He is a
graduate of the American Bankers Association National Commercial Lending School held at the University of Oklahoma.
In addition, Osburn holds the professional designation of Certified Credit & Risk Analyst as granted by the National Association of Credit Management.
For More Information
Contact the MBA Education Department at 573-636-8151 or email.