Advanced Credit Training - Session 1: Cash Flow Analysis

ADVANCED CASH FLOW ANALYSIS 

This webinar will explore multiple models of both business and personal (business owner) cash flow analyses.

The session will begin with the business “traditional” EBITDA cash flow and personal cash flow of the “business owner” (using the 1040 tax return, K-1 forms, and the personal financial statement). Additionally, the Global Cash Flow or combined “business & personal” cash flow model will be displayed.

This will be followed by the Statement of Cash Flows (using the Direct and Indirect Methods), as prepared by the CPA, the UCA Cash Flow (using the Moody’s Lending Cloud software spreadsheet), Cash Basis Cash Flow, Fixed-Charge Coverage (FCC), and Free Cash Flow (FCF).

Various cash flow projections and sensitivity analyses will also be explored.

The webinar will then conclude with “commercial real estate” (CRE) cash flow analysis and other related real estate “investment” cash flow models.  

Major Topics

• Business (EBITDA) & Personal Cash Flow Analyses
• Global Cash Flow: Combining the Business and Personal Cash Flows
• Statement of Cash Flows, UCA Cash Flow, Cash Basis Cash Flow, Fixed-Charge Coverage, and Free Cash Flow
• Cash Flow Projections and Sensitivity Analysis
• CRE Cash Flow Analysis including Investment Models

Audience

Commercial lenders, credit analysts, relationship managers, credit administrators

About the Instructor:
David L. Osburn is the founder of Osburn & Associates, LLC, a business training and contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, attorneys, credit managers, and business owners on topics such as banking/finance/credit, negotiation skills, marketing, and management issues. His extensive professional background of over 30 years includes 18 years as a business trainer/contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development. He has been an adjunct college professor for over 30 years including Nevada State College and College of Southern Nevada. He holds an MBA from Utah State University, a BS in finance from Brigham Young University, and is a graduate of the ABA National Commercial Lending School held at the University of Oklahoma. Additionally, Mr. Osburn holds the professional designation of certified credit and risk analyst (CCRA) as granted by the National Association of Credit Management (NACM).