Analysis of Complex Personal Financial Statements

Course Overview

Whether making a decision to lend to an individual for a home or to a privately-held company, lenders will place some, if not all, weight on the strength of the principals’ financial position. This course will develop the skills necessary to analyze complex personal financial statements, particularly those high net worth individuals. The course moves beyond analyzing historical tax returns to forecasting an individual’s future ability to provide either cash flow or collateral support.

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Learning Objectives

• Analyze the capacity of the individual to generate recurring cash flows.
• Determine the true value of the individual’s assets and liabilities supporting the credit.

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Target Audience

Lenders, including community lenders, relying on the net worth or guarantee of an individual.

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