Cash Flow III: Beyond the Balance Sheet and Income Statement

Event Details

Cash Flow III
Beyond the Balance Sheet and Income Statement

This is a foundational cash flow class being offered by RMA-MN that sets the stage on continued learning. We highly recommend Credit Analysts, Underwriters and Commercial Bankers of all levels take this course.

This course digs deeper than just the analysis of the Balance Sheet, Income statement, and the UCA Cash Flow Statement. By using the inventory schedules, A/R and A/P aging reports, A/R schedule, sustainable growth, sensitivity analysis along with building a cash budget this course builds a context for assisting the client in figuring out the duration, timing and depth of any cash shortfall they will encounter.

Cash Flow III recognizes that more debt is not often the best option for the client or the bank. In these cases, instances you must work with the borrower, building a trust level as well as a knowledge level to assist them through a tough cash flow period. The idea of solving our client’s problem and not just pushing more financing on them as the only solution is presented. The course uses multiple real life case studies that apply what is presented to provide a better understanding.

THIS COURSE COVERS:

• Introduction of analysis of various ancillary reports beyond the balance sheet and income statement
• Addressing the core cash drivers
• Deficit analysis, Sensitivity analysis, Coverage analysis, Sustainable growth & its impact on cash flow
• Development of as Cash budget, A/R schedule, using aging reports and their analysis
• Understanding when financing becomes the least optimal response to a cash shortfall
• Recognizing the pitfalls that could jeopardize repayment
• Using a Case Study to Bring the Training to Life

ITEMS TO BRING: Pencils and Calculator. Fully charged laptop (Outlet may not be available)

PRESENTER: Brad Stevens is the principal at Stevens Risk Management, LLC. He is a recognized premier credit trainer nationwide serving the banking industry in all fifty states. Brad has been leading the credit industry as an analyst, commercial banker, Senior Credit Officer, nationwide trainer and consultant for over 35 years. During his banking career he worked with community banks, regional banks and a large national bank building strong credit portfolios at each stop he made. As a Senior Credit Officer his expertise was in turning around banks that had fallen into significant credit distress. He worked to turn around the banks by instilling a clear credit culture, strong credit policies, training programs as well as setting up a workout staff to manage the worst of the credits. He is a firm believer in making banking better and the training philosophy of Bankers Training Bankers.

Brad has an MBA in Finance from the University of St. Thomas and is a graduate of the Graduate School of Banking at the University of Wisconsin, Madison and a graduate of the Oklahoma Commercial Banking School. For more information visit Stevens Risk Management LLC and contact Brad at Brad.Stevens@SRMALLC.net.

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.

 

Contact For More Information

Brenda Ryan
RMA Minnesota Chapter Administrator
RMAmn@outlook.com / 763-486-7219

Cancelation Policy

Cancellations (and no-shows) will not be refunded unless the instructor cancels the course.

If you are unable to attend, your registration fee will be applied to a future RMA-Minnesota/Local course (prior to 8/31/25), however you must notify the chapter administrator four business days prior to date of course. Substitution is allowed, however any difference in the applicable registration fee will be requested based on replacement’s current affiliation status.