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 for 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 and 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 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 course presents the idea of solving our client’s problem and not just pushing more financing on them as the only solution. The course uses multiple real life case studies that apply what is presented to provide a better understanding.

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 a Cash budget and 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.

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. He is graduate of the Oklahoma Commercial Banking School. For more information, please visit Stevens Risk Management LLC or, contact Brad at Brad.Stevens@SRMALLC.net.

ITEMS TO BRING: Pen/Pencil, calculator and a fully charged laptop (outlet may not be available).
(Your registration fee includes a box lunch and bottled water.)

If this course does not reach minimum attendance, the event will be cancelled and a full refund issued.

CERTIFICATE OF ACHIEVEMENT: Completion of two surveys is required to receive a certificate of completion for this course. One will be handed out in person on the day of course, and the second one will be sent via Survey Monkey, approximately 30 days post-event.

QUESTIONS? Email Brenda Ryan, RMA MN Chapter Administrator

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 participant is unable to attend, the registration fee can be applied to a future RMA-Minnesota/Local course (prior to 8/31/26), but must notify the chapter administrator notice 4 business days prior to course date.  Substitution is allowed, however any difference in the applicable registration fee will be requested based on replacement’s current affiliation status.