Assessing creditworthiness of a borrower is about information. Each borrower will have opportunities and obstacles to repayment of the loan. Bankers need to use the information available to identify those potential issues. One of the primary sources will be the financial statement of the borrower's business. Financial statements are how the borrower keeps score on their managment of the business. Therefore, the banker can use the financial statements as a starting point in identifying the questions to ask about management performance. The course will look at the issues of preparation of financial statements by the borrower, the role of accountants, the calculation of ratios, and the use of financial statements in the credit decision process.

Designed for:
This workshop is appropriate for commercial bankers, loan review, branch personnel (who do commercial lending), credit administrators, credit analysts, and credit department personnel.

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