Tax Return & Financial Statement Analysis Training
A comprehensive, cohort-based program that teaches your lenders to analyze tax returns, financial statements, K-1s, and pass-through entities with confidence. On-demand modules, live trainer interaction, and real case studies reviewed by experts.
Build a Shared Framework Your Whole Team Can Use
When every lender on your team analyzes tax returns differently, you get inconsistent credit decisions, frustrated loan committees, and uncomfortable conversations with examiners. This program fixes that.
Your lenders work through on-demand modules at their own pace, attend weekly live meetings with our trainers, and complete hands-on case studies that get reviewed individually. By the end, they share a common language, a consistent approach, and the confidence to analyze anything from a simple 1040 to a complex multi-entity pass-through borrower.
The program covers two tracks: Tax Return Analysis (1040s, business returns, K-1s, global cashflow) and Financial Statement Analysis (balance sheets, income statements, ratios, write-ups). New classes start every Monday.
Program Snapshot
What Your Team Will Learn
1040 Personal Returns
Schedules B, C, D, E, and F. Wages, interest, dividends, business income, rental income, capital gains, farm income. How to read what the borrower actually earned.
Business Returns (1120, 1120S, 1065)
C-corps, S-corps, and partnerships. Entity structure, officer compensation, retained earnings, and how income flows between the business and the personal return.
K-1s and Pass-Through Entities
The most-asked topic in credit analysis. How K-1 income flows to the 1040, the difference between available and actual cashflow, and the Six Ns framework.
Global Cashflow Analysis
Pulling it all together across multiple entities and personal returns. The AGI method vs. the SAM method. Building a complete cashflow picture for complex borrowers.
Balance Sheet and Income Statement
Assets, liabilities, equity, revenue, expenses. What the numbers mean, what to look for, and how to spot trends that matter for credit decisions.
Ratios, Cashflow, and Write-Ups
Liquidity, operating cycle, leverage, profitability. Statement of cashflows analysis. How to write a credit analysis that loan committees and examiners respect.
Cash vs. Accrual, Depreciation, Entity Types
The foundational concepts that trip up most analysts. Understanding accounting methods, depreciation adjustments, and how entity type changes the analysis.
Red Flags vs. Green Lights
LOT's framework for identifying warning signs and positive indicators in tax returns and financial statements. The Six Cs of Credit applied to real analysis.
Training That Fits Around Your Lenders' Workload
On-Demand Modules
15 to 30 minutes each. Pause, rewatch, work between loans. Every module includes handouts and a quiz to confirm understanding.
Live Weekly Meetings
Big-picture topics that connect analysis to your institution and clientele. Interactive sessions where your team thinks critically about real decisions.
Case Studies
Choose from 9 individualized case studies ranging from simple 1040s to complex multi-entity borrowers. Reviewed live by senior trainers.
Certification
Complete the modules, submit 2 case studies with live trainer review, and attend at least 4 live meetings to earn your certificate of completion.
9 Case Studies, Each Reviewed by a Senior Trainer
Case studies range from straightforward individual returns to complex multi-entity pass-through scenarios. Your lenders choose the ones that match their experience level and lending focus.
- ✓ Simple 1040 with Schedule C business income
- ✓ 1040 with rental property and Schedule E income
- ✓ S-corp (1120S) with K-1 pass-through to the owner
- ✓ Partnership (1065) with multiple partners and K-1 analysis
- ✓ Complex multi-entity borrower with global cashflow analysis
- ✓ Agricultural borrower with Schedule F farm income
- ✓ Financial statement analysis: balance sheet and ratios
- ✓ Financial statement analysis: cashflow and write-up
- ✓ Comprehensive scenario combining tax returns and financial statements
500+ Pages Your Lenders Keep for Their Careers
1040 Essentials
The complete reference for personal tax return analysis. Every schedule, every line that matters, with examples and decision frameworks.
Business Returns & Global Analysis
1120, 1120S, 1065, K-1s, and how to build a global cashflow picture across multiple entities and personal returns.
Financial Statement Analysis
Balance sheets, income statements, cashflow statements, ratios, and how to write credit analyses that hold up under scrutiny.
Enterprise students (10+) receive physical copies. All students receive digital versions.
Invest in Your Team's Confidence
Single Seats
1 to 9 participants
per seat
- 30+ on-demand modules with handouts and quizzes
- Choose from 9 individualized case studies with live feedback
- 9 weekly live meetings
- Ask The Experts access
- 3 digital reference manuals (500+ pages)
- Global Cashflow Analysis Worksheet
- Tax return analysis: 4- or 8-week schedule. Financial statements add ~4 weeks.
Enterprise
10 or more participants
per seat
- Everything in Single Seats, plus:
- Private orientation call for your team
- Custom progress reports
- 3 physical manuals per participant
- Priority Ask The Experts access
- Priority support and new course requests
- Direct enrollment for new team members
Want to add our CRE course? Commercial Real Estate Lending is $500 when bundled with the comprehensive training above.
100% Satisfaction Guarantee
If a participant does not show increased confidence and competence within three months of earning their certificate, we will refund the full enrollment fee. No questions asked.
Ready to Get Your Team Started?
New classes start every Monday. Talk to Joe Davis about the right fit for your team. No pressure, no pitch.
Book a CallOr call us directly: 360-455-1569