Cash Flow I

Past Event


Will the borrower generate enough cash to repay our loan?  In order to answer this question, we must be able to both construct and analyze the firm’s cash flow statement.

In this one-day seminar, participants will first have the opportunity to fully understand, both intuitively and practically, the construction of UCA® format cash flow statements.  Participants will then discuss the basic analytical techniques that can be applied to these statements in order to assess a potential borrower’s creditworthiness.

The Focus: How to define the term “cash flow” and how to properly construct a UCA® cash flow statement.

This is the first in a three-course series of cash flow classes being offered by RMA MN.


  • The meaning and importance of cash flow
  • The meaning and importance of cash flow to a banker
  • The calculations, limitations, and adjustments of traditional cash flow analysis
  • The logic and mechanics of UCA® cash flow statements
  • The three major lessons of UCA® cash flow statement analysis
  • The key questions that should always be asked regarding any UCA® cash flow statement
  • The limitations that must be addressed when using computerized UCA® cash flow statement software
  • A discussion of key UCA® cash flow statement terms and their meanings

PARTICIPANTS: All business lenders, credit analysts, loan reviewers, lending managers and bank presidents.  Participants who plan to take Cash Flow II are assumed to have either taken Cash Flow I or acquired, through other means, a solid understanding of how a UCA® cash flow statement is constructed.

RECOMMENDATION: To complete your understanding of Cash Flow, consider taking CF II and III.

INSTRUCTOR: John Reik of John Reik & Associates, a Minnesota based business training and consulting firm.  John has presented numerous RMA seminars since 1986 and has been a lecturer and Assistant Professor of Finance at the University of Minnesota for over 40 years.  He also was senior trainer and manager of Credit and Finance Education for U.S. Bank for 8 years.

ITEMS TO BRING: Pencils and Calculator.
Note: We are unable to guarantee enough outlets for everyone to charge phones.

CERTIFICATE OF ACHIEVEMENT: Survey participation is required to receive a certificate of completion for this course.  Please take the time to complete two short surveys; one will be sent immediately after and a second survey will be sent 30 days post-event.

EVENT CANCELLATION POLICY: Cancellations (and no-shows) will be not be refunded unless the instructor cancels the course.  If participant is unable to attend, the registration fee can be applied to a future RMA-MN local course.  Substitutions are allowed as long as the chapter administrator is notified 24 hours prior to the course, however any difference in the applicable registration fee will be requested.




Thursday, Jan 17, 2019


8:30 am - 5:00 pm


Bell Bank - The Colonnade Building

5500 Wayzata Boulevard
Minneapolis Minnesota 55416