Ratio Analysis to Determine Financial Strength

Duration: 60 Minutes
Credit (Risk) Analysis is one of the most important functions performed by financial institutions. Because interest and fee income from loans represent the largest source of revenue for financial institutions, thorough credit analysis must be performed before loans are approved and funded.
Ratio Analysis
Instructor: Jeffery W. Johnson
Product ID: 501897
Credit Analysis starts with spreading historical financial statements and then calculating key ratios to determine the financial health of an organization. This webinar will teach the five vital signs of any organization and the ratios required to identify the signs. A detailed identification and definition of ratios will be included.

Objectives of the Presentation
  • Liquidity
    • Current / Quick Ratios
    • Working Capital Analysis
    • Defensive Interval Ratio
    • Activity Ratios for Working Capital Assets
    • Activity Ratios for Working Capital Liabilities
  • Leverage
    • Ratios to measure the proportion of support provided by owners and creditors
  • Asset Management
    • To measure the ability of management to utilize their assets to generate sales and profits
  • Operations
    • Performance ratios to measure the relationship between sales, costs and expenses and how their changes affect the bottom line
  • Cash Flow
    • Uniform cash analysis to determine the sources and uses of a firm's cash as a means of serving long-term debt
Why Should you Attend
You'll leave with a deeper understanding of ratio and credit analyses during the underwriting process. This translates into well-organized, clearly written credit memoranda so you'll be more confident explaining trends and the financial impact on customers and prospects.

Who will Benefit
  • Credit Analysts
  • Commercial Lenders
  • Consumer Lenders
  • Senior Credit and Loan Officers
  • Loan Review Officers
  • Auditors
  • Directors
  • Branch Managers
$300
Recorded Session for one participant
Get life time access with download option!
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  $450.00 Training CD
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  $550.00 Flash Drive
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Minimum 10 attendees
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Live Session - How it works
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  • Presentation handouts in Downloadable PDF format will be updated on your OCP Account 24 hours prior to the live session
  • Login to the audio conference on the scheduled date and time
  • Get answers to your queries through interactive Q&A sessions via chat at the end of the session
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account 24 hours after the completion of the session
  • Please let us know your thoughts and views at the end of the webinar, your valuable feedback will help us improve
Recorded Session - How it works
  • Login to onlinecompliancepanel with your registered username and password https://www.onlinecompliancepanel.com/login
  • Upon purchase of the recorded session a link will be updated on your OCP Account within 24 hours
  • Please click on the link to access the Recorded Session
  • Presentation handouts in downloadable PDF format will be updated on your OCP Account within 24 hours of the purchase of the product
  • Download the Certificate of Attendance and Purchase Invoice from your OCP Account after 48 hours of the product Purchase
  • Please share your valuable Feedback at the end of the session
Instructor Profile:
Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank).

Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities.

Mr. Johnson is now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta, GA; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking Diploma from Prochnow School of Banking at the University of Wisconsin-Madison and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.
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