Ten Things to Look For When Analyzing Profit and Loss Statements

Duration: 90 Minutes
The credit analysis process requires that a lender review a wide variety of financial information. This information includes profit and loss statements, which occasionally are the only financial information that borrowers provide to lenders. This program will examine ten important things that every analyst and loan officer should look for when evaluating the information contained in profit and loss statements. The objective of this program is to provide lenders with a simple checklist that they can utilize whenever they receive a business' profit and loss statement information. At the end of this program, participants will be more comfortable with knowing what to pay attention to when they analyze the profit and loss statement of a business.
Analyzing Profit and Loss Statements
Instructor: Vincent DiCara
Product ID: 509585
Objectives of the Presentation
  • How to interpret the information contained in Profit and Loss Statements
  • How to calculate simple cashflow from Profit and Loss Statement information
  • How to assess whether a business is successful, from a sales standpoint
  • How to calculate and interpret gross profit margins
  • How to calculate and interpret operating profit margins
  • How to view non-recurring expenses or sources of income
  • How to view depreciation and other non-cash charges
Why Should you Attend
This program will allow its attendees to become better acquainted with the type of information contained in Profit and Loss Statements. Lenders should attend this program because they will obtain skills that are necessary in order to make good credit decisions.

Areas Covered
  • The Profit and Loss Statement: What are its limitations?
  • Sales: Is the business a growing concern?
  • Margins: How do you calculate margins and what do they tell us about a business?
  • Cash Flow: How do you calculate cash flow and what should you include in that calculation?
  • Onetime expenses or sources of income: How should you treat them?
  • Profits: What do they really tell us about a business?
  • Composition of sales: How do changes impact a business
  • Where do distributions appear on the P & L
Who will Benefit
  • Credit Analysts
  • Loan Officers
  • Branch Managers
  • Loan Committee Members
  • Other personnel with lending responsibilities
$200
Recorded Session for one participant
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  • 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
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  • 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:
Vincent DiCara has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for 30years as a business advocate, lender, credit analyst and trainer. Since 1995, he has been providing expert training for lending professionals throughout the country who work in the public, private non-profit, and private sectors. Mr. DiCara's training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.

Mr. DiCara was the owner and founder of Development Finance Training and Consulting, Inc. which he established in 2003. Upon leaving DFTC in early 2013, Mr. DiCara established DiCara Training and Consulting, LLC where he continues to provide the highest quality services to his clients in the banking, credit union, and economic development sectors.

Mr. DiCara has developed a number of partnerships with organizations whose missions include training and education. He is a co-creator and faculty member of the Credit Union National Association's (CUNA) Business Lending Certification Institute. He has also established relationships with chapters of the Center for Financial Training (CFT) and state banking associations throughout the country. Mr. DiCara also serves as a faculty member of the Neighborhood Reinvestment Corporation and has developed a number of courses that he regularly teaches for that organization. Mr. DiCara also serves as a loan practitioner.
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