Learn How To Better Understand And Service Business Borrowers

This training program explores how to identify and understand different industries and why they borrow money.

You will learn how to structure and analyze business financial statements, identify fraud, and analyze basic financial statement data to understand commercial real estate loan cash flow.

Here is an overview of key topic areas:

• Business Sectors and Operating Cycles
  
• Why Businesses Borrow
  
• Business Legal Structures and Life Cycles
  
• Introduction to Business Financial Statements
  
• How Business Financial Statements are Constructed (Accounting Refresher)

What You'll Learn:After completing this training course, students will better understand:

• Business Sectors and Operating Cycles
  • Explain the operating cycles of various business industries
    
  • Analyze the financial data and evaluate the risks of the different industries
• Why Businesses Borrow
  • Explain how a firm's cash flow cycle can affect debt requirements and repayment sources
    
  • Identify the reasons businesses need to borrow
    
  • Identify the various borrowing arrangements used to structure a business loan
    
  • Describe the way alternative lending sources compete with or complement community banks
• Business Legal Structures and Life Cycles
  • Define the basic types of legal structures available to a business
    
  • Describe the general characteristics of the four stages in the business life cycles
• Introduction to Business Financial Statements
  • Describe the financial statement analysis process
    
  • Describe basic guidelines to prepare a spreadsheet and analyze the data
    
  • Identify and evaluate a borrower's financial strengths, weaknesses, and uncertainties
    
  • Explain the different types of financial statement preparation
    
  • Describe the other components associated with financial analysis
    
  • Describe the basics of financial statement data for commercial real estate loan cash flow analysis
• How Business Financial Statements are Constructed
  • Compare and contrast the cash method and accrual method of accounting
    
  • Construct a balance sheet and income statement on the accrual basis for an example business

You have six months to complete the course and gain your printable certificate. Course Length: 6 hours 30 minutes