Five Vital Financial Factors All Credit Analysts & Lenders Must Master

July 25, 2024
Live Webinar:
DateJul 25, 2024Duration90 minutes
12:00 PM PDT01:00 PM MDT
02:00 PM CDT03:00 PM EDT
  • Unlimited connections for your institution
  • Available on desktop, mobile & tablet
  • Take-away toolkit
  • Presenter’s contact info for questions
On-Demand Webinar:
  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions
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There are five vital financial factors that all lenders must analyze in order to evaluate a borrower’s financial condition.

Do you know what they are? Used in conjunction, they can detect any financial challenge a borrower is experiencing. This webinar will provide expert insight into the credit analysis process using a variety of financial tools.
  • Know exactly where to start the analysis process
  • Focus on the most salient factors to consider when determining the creditworthiness of borrowers
  • Streamline the analysis process utilizing the critical factors to measure a borrowers’ ability to service short-term and long-term debt
  • Understand how to calculate key credit ratios
  • Measure changes in credit ratios and determine the positive or negative impact on the borrower’s cash flow
  • Interpret the result of credit analysis and cash flow analysis, which will enhance the analyst or lender’s ability to write an effective credit memorandum


This session will explore the five vital financial factors all lenders must understand to determine a borrower’s overall financial condition: liquidity, leverage, asset management, operating performance, and cash flow. Liquidity measures the ability to meet short-term obligations as they become due. Leverage measures the degree to which a company’s assets are supported by creditors compared to support provided by owners. Asset management measures management’s ability to utilize capital assets to generate revenue. Operating performance measures management’s ability to generate profits from operating their companies. Cash flow measures management’s ability to generate cash from operating, investing, and financing activities.

This session will define each factor and explain why it is important in the credit analysis process. Methods to determine each factor will be explored including the use of financial statements, ratio analysis, reconciliation procedures, working capital analysis, and best practices in determining true cash flow.


This informative session is designed for credit analysts, branch managers, consumer lenders, commercial lenders, loan review personnel, senior loan officers, senior credit officers, loan support personnel, and credit administration staff.


  • List of critical ratios to measure the five vital financial factors and a brief description of each
  • Calculations to determine the financial impact on cash flow from changing ratio metrics
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits
NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Presented By

Jeffery JohnsonJeffery W. Johnson
Bankers Insight Group, LLC

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