Series 3: Analyzing the Company's Financial Performance and Condition

Course Number: RMA3

Course Code: ABA 171C

Interpreting repayment risks suggested by the company’s historical financial performance and financial condition.

Courses include:
LDP 3.1 – Spreading Financial Statements
LDP 3.2 – Analyzing the Balance Sheet
LDP 3.3 – Analyzing the Income Statement
LDP 3.4 – Analyzing Combined Balance Sheet and Income Statement Measures

Learning Obj​​​​ectives
After completing this course, students will be able to:
– Apply financial statement spreading techniques to reclassify accounts and provide details needed to prepare financial statements for credit analysis
– Convert financial statements to a format that expresses accounts as percentages of total sales of or total assets
– Compute a company’s liquidity using various ratios
– Analyze a company’s ability to meet its short- term obligations
– Determine how a company’s industry sector influences it financial statement characteristics
– Compute a company’s leverage using various ratios
– Analyze a company’s ability to meet its long-term o obligations
– Determine how a company’s industry sector influences it financial statement characteristics
– Calculate and analyze a company’s profit margins
– Perform a trend analysis on a company’s profitability
– Compare a company’s profitability with industry composites
– Compute and analyze a company’s productivity ratios
– Compare a company’s productivity trends with industry composites
– Compute and analyze a company’s efficiency ratios
– Compare a company’s efficiency trends with industry composites

The Commercial Real Estate Lending Decision Process and the courses in the curriculum are products of The Risk Management Association.

Audience: Loan trainees, credit analysts, and anyone with commercial lending authority

Prerequisites: n/a

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Member Price: $200.00
Non-Member Price: $400.00
Textbook Charge: $0.00

Credits: ICB: 14.50 CLBB

Length: 12 hours

ABA Training