Key Ratio Analysis

9 a.m. to 3 p.m. Wednesday, Jan. 22 | Virtual

Overview

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 webinar and learn a “five-step” analysis plan, including liquidity, activity, leverage, operating performance and cash flow analysis that will clarify and “unify” this often confusing financial subject. Upon completion of this webinar, the bank lender 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 specialized software in order to analyze key ratios.

Two case studies will be presented to illustrate the main concepts associated with key ratio analysis.

Key Topics

  • use a “five-step” key ratio analysis plan to correctly calculate and interpret the financial condition of the business borrower
  • discuss “negotiations” with business clients and other financial professionals using the key ratios
  • case analysis: applying the concepts

Who Should Attend

commercial lenders, credit analysts, loan documentation specialists, branch managers, assistant branch managers, private bankers and business development officers

CPE Continuing Education

CPE will be granted to registered attendees upon request.
Specialized Knowledge – 6 credits
Instructional Delivery Method: Group Live
Prerequisites: Advance knowledge of bank practices.
Program Level: Advanced
Advanced Preparation: None

Presenter

David L. Osburn, MBA, CCRA
Osburn & Associates LLC

David is the founder of Osburn & Associates LLC, a business training and contract chief financial officer firm. His extensive professional background spanning more than 30 years include work as a business trainer/contract CFO and work as a bank commercial lender, including the position of vice president/senior banking officer. His banking credentials include loan underwriting, loan workout management and business development.

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.

Register

register icon    Online             
phone icon    Phone 573-636-8151 
mail icon    Mail check payable to Missouri Bankers Association and form to:
Missouri Bankers Association
P.O. Box 57
Jefferson City, MO 65102

Registration Fees

Fee includes presentation slides. 

  • MBA Member Fees
    • $340 per person
    • $300 per person for each additional person
  • Nonmember Fee
    • $1,360 per person
Remember that this registration is per person only; multiple people in the same room attending the program is discouraged. The only exception is when all the registrants have enrolled separately and each registrant has paid their own individual registration fee.

Schedule

8:45 a.m. Zoom Login
9 a.m.  Seminar Begins 
Noon Lunch 
12:30 p.m.  Seminar Resumes 
3 p.m.  Adjournment 

Cancellation/Refunds

Full refunds will be granted for cancellations received by MBA at least five days before the seminar date. After that date, an administrative fee of $10 per canceled registration will be retained. Cancellations will not be accepted two days before the seminar. Substitutions are always permitted.

Webinar Instructions

Attendees will need internet access and a standard web browser to join this video and web conferencing. Attendees will receive an email with a link to join the virtual seminar, handouts and any additional information a few days before the event.

A personal Zoom account is not necessary. You will use the link, meeting ID and password we provide.

  • You can log in on a desktop computer, laptop or download the Zoom app on a smart device.
  • internet access
  • audio on computer or a phone line