Ten Things to Look For When Analyzing Balance Sheets

Thursday, February 9th, 2012
11:00 am - 1:00 pm EST



The credit analysis process requires that a lender review a wide variety of financial information. Balance sheets are among the most important types of financial information that potential (and current) borrowers provide to banks, credit unions, and other lenders. This program will examine ten important things that every analyst and loan officer should look for when evaluating the information contained in balance sheets. This program will demonstrate the ways in which lenders can be more successful in the loan process and will identify the most important questions that they need to ask their business borrowers. At the end of this program, participants will be able to be more comfortable with knowing what to pay attention to when they analyze the balance sheet of a business.

What You Will Learn: The Balance Sheet: What It says (and doesn't say) about a business Current Assets: What they are and how quickly are they being converted into cash? Long-Term Assets: How are they being financed? Intangible Assets: Are they worth anything to a lender? Collateral: How should I value it? Net Worth: Is it understated or overstated? Who Should Attend? Credit Analysts Loan Officers Branch Managers Loan Committee Members Other personnel with lending responsibilities

Presenter - Vin DiCara Vincent DiCara is a co-founder of Development Finance Training and Consulting, Inc. (DFTC). He has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for more than twenty-seven years as a business advocate, lender, credit analyst and trainer in the public, private non-profit, and private sectors. Immediately prior to establishing DFTC in 2002, Mr. DiCara was the Principal of Development Consulting Services, a consulting business which provided business plan development and financial packaging services. For the last fifteen years, Mr. DiCara has conducted a wide variety of training programs for individuals who work in the credit union, banking, economic development, and community development fields. Mr. DiCara's training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn. Mr. DiCara is a graduate of Bowdoin College in Brunswick, Maine and received a Masters Degree in Public Administration from the University of Maine. He has also earned the designation of Economic Development Finance Professional (EDFP) from the National Development Council. A native of Boston, Massachusetts, he has been a resident of the State of Maine for more than forty years.