Cash Flow II

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.

Many cash flow courses, including Cash Flow I, focus more on the mechanics of the UCA® cash flow statement.  Their goal is to understand the construction of this useful tool.

In contrast, Cash Flow II focuses on the analysis of the UCA® cash flow statement.  Its goal is to understand how a UCA® format cash flow statement should be analyzed in order to obtain the most relevant and useful information that can be obtained from it.

The Focus: How to analyze a UCA® cash flow statement in order to generate helpful questions about, and derive useful information regarding, a potential borrower’s creditworthiness.

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


    • What the term "cash flow" really means to a banker
    • The four critical, basic analyses that should always should be performed on UCA® cash flow statements: cash margin, cash solvency, cash adequacy, and cash growth
    • The four critical, advanced analyses that should always should be performed on UCA® cash flow statements: deficit analysis, sensitivity analysis, coverage analysis, and balance analysis
    • The advantages and basic limitations of a UCA® cash flow statement
    • The standard vocabulary of a UCA® cash flow statement

Participants: All business lenders, credit analysts, loan reviewers, lending managers and bank presidents.  Participants 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, please consider taking CFIII.

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, Feb 14, 2019


8:30 am - 5:00 pm


Sunrise Banks - Corporate Headquarters, St. Paul

2525 Wabash Avenue
St. Paul Minnesota 55114