Using Business Tax Returns to Analyze Lending Requests

Duration: 90 Minutes
This session will demystify the information contained in tax returns. Those who attend will be able to distinguish between what to pay attention to in tax returns and what to ignore in them. The result of attending this session will be a better understanding of the information contained in tax returns to be used for business credit analysis purposes.
Tax Returns for Credit Analysis
Instructor: Vincent DiCara
Product ID: 501513
Objectives of the Presentation
  • To use tax returns for credit analysis purposes
  • To be able to answer profit and loss statement questions from tax returns
  • To be able to answer balance sheet questions from tax returns
  • To understand how financial statements are different from tax returns
  • To understand various tax forms
  • To know what questions to ask for additional information from potential clients
Why Should you Attend
The only reliable financial information available from many businesses, especially small businesses, is contained in tax returns. When accountant-prepared financial statements are not available from businesses, lenders and credit analysts will often need to make a lending decision based on the information contained in those tax returns. This program will educate attendees in the ways in which business tax returns are both similar to and differ from conventional financial statements.

Areas Covered
  • Relevant tax return schedules and forms for various types of businesses
  • Identifying the cash inflows and outflows of businesses from tax returns
  • Essential questions to ask when using the tax returns of businesses
  • M-1 and M-2 Schedules
  • Depreciation and what it means
  • Amortization of Intangible Assets
  • The Schedule L and what it says about a business
Who can Benefit
  • Credit Analysts
  • Loan Officers
  • Branch Managers
  • Loan Committee members
  • Other personnel with a basic understanding of business credit analysis
$300
Recorded Session for one participant
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  $450.00 Training CD
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  $550.00 Training USB Flash Drive
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How it works
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:
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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