May 13

Commercial Lending Series: Analyzing Commercial Tax Returns: Forms 1065, 1120, 1120S & K-1s

Registration Options & Pricing

Please select your membership status.

Recorded Webinar Includes

  • Recording of the Live Webinar
  • Can be viewed anytime 24/7, beginning 2 business days after the webinar
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Free Digital Download, yours to keep
  • Share link with anyone at your credit union
  • Presenter’s contact info for follow-up

9:00 am – 10:30 am HST
12:00 pm – 1:30 pm PT
1:00 pm – 2:30 pm MT
2:00 pm – 3:30 pm CT
3:00 pm – 4:30 pm ET

Commercial lending brings big risks – and rewards. Determining repayment ability for various business entities can be rigorous. Are you up for the challenge? Do you understand the forms?


  • Understand financial statement assurance levels, including the level of reliability to place in income tax returns and financial statements
  • Distinguish between the income tax forms that are applicable to each business type and which additional documents to request to complement your analysis
  • Determine borrowers’ repayment capacity based on income tax statements, including recurring and nonrecurring items
  • Understand pass-through entities, including Schedule E Part II, Schedule K-1, transfer of capital between ownership and the business, and actual cash flow
  • Review business entity income tax returns, such as Forms 1065, 1120, and 1120S, as well as Schedule C, Schedule E Parts I and II, and Schedule F of Form 1040
  • Derive nonfinancial information from tax returns which can drive borrower discussion and greater insight into the subject entity


The accurate identification and measurement of primary and secondary sources of loan repayment are crucial components of the initial credit decision and ongoing credit risk monitoring. Many financial institutions heavily rely on income tax returns when determining the ability to repay. This presentation will take a comprehensive look at deriving repayment ability from entity income tax returns, including Forms 1120, 1065, and 1120S. In addition to providing ‘tax to cash’ training, this webinar will provide insight regarding other information that can be gained from income tax returns, weaknesses in relying on income tax returns for complex transactions, and the transfer of capital between ownership and the subject entity.

Attendance certificate provided to self-report CE credits.

Save with this series!


This jam-packed webinar is designed for lending personnel responsible for analyzing borrowers’ ability to repay based on income tax returns. The presentation will be at a beginner-to-intermediate level. However, each topic leads to more advanced concepts, so lenders at every level will benefit. Although many rely on software to analyze income tax returns, it’s crucial to understand the concepts applied by the software in determining repayment ability.


  • Handout will follow a line-by-line approach in analyzing income tax and can be used as a daily reference
  • Employee training log
  • Interactive quiz


NOTE:  All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.


Young & Associates, Inc.
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