Cash Flow

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Cash Flow
cash is king

Target Audience

This one-day seminar is for all credit analysts and lenders who could benefit from a short and focused review of the use and application of cash flow statements in identifying borrowing causes and assessing risk.

Delivery

The seminar is conducted at the client’s location by a Shockproof! Training instructor.

Testing

At the client’s option and included in the participant price, Shockproof! Training provides an online post test to determine participants’ degree of mastery of the material addressed in the seminar.

8 CEUs

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Seminar Objectives:

	Explore the differences between net income + depreciation and actual business cash flow in providing messages and signals about borrowing causes, financing requirements, cash sources of debt service, and shifts in a borrower’s risk profile;
	Review and manually construct both the modified Uniform Credit Analysis (UCA) and long form UCA cash flow statements and explore the impact on the resulting statements from differences in account classification decisions;
	Examine and identify the messages in the UCA cash flow statement about borrowing causes, financing requirements, cash sources of financing, and shifts in risk profile and assess whether the messages confirm or refute messages provided by changes in key performance ratios;
	Explore the cash impact of positive or negative income statement and balance sheet management by quantifying the cash impact of movements in EBITDA%, accounts receivable, inventory, and accounts payable days in properly identifying borrowing causes;
	Address the dangers inherent in combining business cash flow with personal cash flow in developing support for marginal credits, assessing debt service prospects, and attempting to properly assess risk; and
	Explore the analytical deficiencies in the information content of cash based business income tax returns and understand the necessity of complementing business income tax returns with accrual financial statements.

Seminar Materials

	Credit Refresher on A Cash Flow Snapshot
	Credit Refresher on Cash Based Income Tax Returns
	Credit Refresher on Cash Flow and Debt Service
	Credit Refresher on Distributions and Income Taxes
	Credit Refresher on Global Cash Flow
	Credit Refresher on Revisiting Cash Flow
	Credit Refresher on Sales Growth and Borrowing Causes
	Credit Refresher on Shareholder Loans and Cash Flow
	Financial Statements for Total Coverage, Inc.
	Financial Statements for Sacramento Distributors, Inc.
	Excerpts from Carter Park Mills Form 1065
	Online Post Test

Upon Completion

Participants who successfully complete the seminar will be able to:

	Understand the differences between net income + depreciation and actual business cash flow in providing messages and signals about borrowing causes, financing requirements, cash sources of debt service, and shifts in a borrower’s risk profile;
	Understand how to manually construct both the modified and long form UCA cash flow statements and appreciate the impact of improper account classification decisions.
	Understand the messages in the UCA cash flow statement about borrowing causes, financing requirements, cash sources of financing, and shifts in risk profile;
	Understand how to quantify and assess the cash impact of positive or negative income statement and balance sheet management in properly identifying borrowing causes;
	Understand the dangers inherent in combining business cash flow with personal cash flow in properly assessing risk; and
	Understand the analytical deficiencies in the information content of cash based business income tax returns and appreciate the necessity of complementing business income tax returns with accrual financial statements in assessing risk.

How to Order

Seminars are conducted at the client’s location. The cost is the greater of a) a fixed fee that varies by client size or b) $300 per participant, plus instructor travel and lodging expenses. All materials and the online post test are included in the seminar cost.

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