Level 3: Analyzing Personal Financial Statements and Tax Returns

Level 3: Analyzing Personal Financial Statements and Tax Returns


Price: $150 Members; $200 Nonmembers

Member Online Enrollment | Non-Member Online Enrollment
Course Description: Level 3: Analyzing Personal Financial Statements and Tax Returns moves into personal financial statements and tax returns, including combining business and personal cash flows into a global analysis.
Audience: Commercial and/or Business bankers and Credit Analysts
The courses included in the Level 3: Analyzing Personal Financial Statements and Tax Returns Curriculum and their objectives are listed below:
Types of Personal Financial Statements
  • Describe the basic formats for personal financial statements
  • Identify the information that is reviewed and verified prior to analyzing the personal financial statement
Key Ratios and Adjusted Net Worth
  • Calculate and interpret the liquidity ratio, unsecured debt ratio, and debt-to-income (DTI) ratio
  • Perform an analysis using ratios to determine a personal financial condition
  • Describe the components of adjusted net worth
  • Use adjusted net worth to perform an analysis of key personal asset and liability accounts
Personal Tax Returns and Cash Flow
  • Describe the key components of a personal tax return
  • Use tax return information to develop a personal cash flow
Combining Business and Personal cash Flow into Global Cash Flow
  • Explain why global cash flow is critical when making credit decisions
  • Develop a global cash flow and global DSC for a borrower
Credits: AIB – 0.5; ICB: tbd…
The Nebraska Bankers Association is a Local ABA Training Provider.
For More Information Contact:

Joanne Smith
Education and Member Information Coordinator

Nebraska Bankers Association / 233 South 13th Street, Suite 700 / PO Box 80008 / Lincoln, NE 68501-0008