Advanced Cash Flow Analysis

Past Event

ADVANCED COMMERCIAL CASH FLOW: Understanding and Managing Cash Flow

Recommended for Credit Analysts, Underwriters and Commercial Bankers with experience beyond three-years and have completed Cash Flow Analysis, Traditional Cash Flow, UCA and Global.

Take the next step of looking at the cash health of a firm. This course does a deep dive into where the cash goes within a company. Assessing the true cash flow position is more than just searching the financial statements.

It requires taking into account the impact of management decisions, growth, sensitivity analysis regarding all the core cash drivers of the firm, and measuring the impact of sustainable growth. This is an advanced course for experienced lenders and analysts which provides the tools to measure, forecast and assess exactly how much cash will be sidelined or recovered with various decisions. Real world case studies are used so the attendees have examples of how the tools work so they can apply the concepts back at the office.


  • Advanced analysis of the core cash drivers, cash to cash cycle, cash cycle and the impact each will have on the cash available for the company to operate.
  • Introduces the use of Sensitivity Analysis and Sustainable Growth models to pinpoint the actual amount of cash to be tied up or freed up based on management and marketplace factors.
  • The building and utilization of a cash budget is presented to assist in determining the exact timing of cash receipts or payments which result in determining the bleed rate in the firm.
  • Use of two real world case studies, building on them throughout the course to apply the knowledge that is shared and provide a basis application upon completion of the course.

LOCATION: Sunrise Banks Headquarters - 2525 Wabash Avenue / St. Paul, MN 55114

ITEMS TO BRING: Pencils and Calculator. Fully charged laptop.

IMPORTANT NOTE ABOUT COVID-19: Please be assured that seating will be placed at the recommended distance in the meeting room. Masks are strongly encouraged for all attendees.

PRESENTER: Brad Stevens is the founder of Stevens Risk Management, LLC which specializes in credit training and consulting for both the finance and manufacturing industry. He has over 30 years of experience in banking that included leading two banks out of troubled credit positions, identifying the deteriorating credits, working directly or with lenders in rehab and exit strategies as well as rebuilding the credit cultures to avoid future credit problems.

As a banker, Brad built strong credit portfolios based on the core approaches that he now shares in his training programs. He brings a unique hands on experience to his training sharing real world examples that resonate with those in attendance at presentations. Brad believes strongly in the philosophy of Making Banking Better through Bankers Training Bankers.

REGISTRATION FEE (Includes boxed lunch and bottled water):

  • $300 - Minnesota Chapter Affiliate Rate
  • $375 - Non Affiliate Rate

An Affiliate of the Minnesota Chapter is an individual who has paid the 2021/2022 local chapter fee for the Risk Management Association. National Membership does not qualify for affiliate benefits at MN Chapter events.

A minimum of 10 participants is required in order hold this course.

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 2nd survey will be sent 30 days post-event.

NOT AN AFFILIATE? Sign up HERE today, or contact the Chapter Administrator



Wednesday, Jan 12, 2022


8:30am - 4:30pm


Sunrise Banks Headquarters

2525 Wabash Avenue
St. Paul MN 55114


Cancelation 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 business prior to the course, however any difference in the applicable registration fee will be requested.

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