Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly!

9 a.m. to 3 p.m. Thursday, Sept. 17

4 Ways to Register

Online Registration

Phone 573-636-8151
  Fax Registration
Fax 573-634-2754
  Mail Registrations
Mail to:
PO Box 57
Jefferson City, MO
Print brochure.


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.

Major Topics

  • 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.

Registration Fees

  • MBA Member - $325 per person
  • Each Additional - $250 per person
  • Nonmember Fee - $1300 per person

MBA will issue an invoice based on initial registrations from a bank. Following the online seminar, we will review the attendee list and if additional bank employees attend, we will send a second invoice based on the pricing below to reconcile the difference.


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


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.

CPE Continuing Education

CPE will be granted to registered attendees upon request.
Specialized Knowledge – 6 credits
Instructional Delivery Method: Group Live presented online due to COVID-19
Prerequisites: Basic knowledge of bank lending practices.
Program Level: Basic
Advanced Preparation: None

Webinar Instructions

This webinar will be presented through the virtual platform. We recommend that you join us via computer a PC, Mac, iPad, iPhone or Android device. You will receive a confirmation email two days before the webinar with login information.