Lending to Business
Is this business credit-worthy? Unless you have GAAP financials prepared by a reliable source, you need to be able to assess the health of the business and determine cashflow available to pay debt from analysis of the tax returns.
Less experienced lenders will build the foundation for analysis. Seasoned lenders will fill in the gaps and improve their ability to mentor junior lenders.
Pull qualifying income and spot red flags Understand the business and have more meaningful conversations Decide on this loan and uncover more opportunities Explain your thinking and document the file
The Tax Return and Financial Statement modules were created by Linda Keith CPA. Linda is a business owner, married to a business owner. During her years in public accounting she advised businesses, and prepared their tax returns and financial statements. She knows business inside-out.
She has worked with thousands of lenders at hundreds of financial institutions for over 20 years. As a Certified Public Accountant, she has a practical understanding of the story behind the numbers. As a Certified Speaking Professional (CSP) she can actually explain what she understands. A 20+ year commercial borrower in construction, she understands how business borrowers think. She stayed with the same bank and knows how your bank can create 'sticky' customers. As a former Examiner with the Washington State Auditors Office, Linda knows how regulators think.What the lenders say
I will recommend the course {for teams} because it will keep our approach to Global Cash Flow consistent.
, Chief Credit OfficerMegaBank
The knowledge gained from the course I use on a daily basis. And I learned a lot that is directly relevant.
, Portfolio ManagerMichigan Business Connection
Linda’s courses are easy to understand. Through her unique presentation, she captures the essence of credit analysis and makes it come to life with meaning and comprehension.
, First National Bank of Tennessee
I rated the virtual training a 10! The course was full of information that was very valuable, easy to follow and right on target for my needs. Thank you for this learning experience!
, Loan AssistantNorth Cascades Bank
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