Why Bankers Spread Financial Statements and Analyze Them
Unlock the Power of Financial Statement Analysis: Techniques Bankers Use to Assess Risk and Repayment
Financial statement analysis is a cornerstone of informed lending and investment decisions. In this in-depth webinar, you’ll learn how to analyze the three essential financial statements—balance sheet, income statement, and cash flow statement—to evaluate a borrower’s financial condition, performance, and ability to repay debt. We'll also explore the impact of financial statement quality, including differences between audited, reviewed, compiled, and internally prepared reports.
You’ll gain hands-on insights into spreading financials, including frequency considerations, rounding conventions, and the application of horizontal, vertical, and ratio analysis techniques. These tools help transform raw financial data into meaningful trends and comparisons over time.
Dive deep into ratio analysis, including key liquidity, leverage, profitability, and solvency metrics. Learn how to assess net working capital, interest coverage, and cash flow coverage, while also understanding the limitations of measures like EBITDA. Discover how to evaluate repayment ability using free cash flow, global debt service coverage, and more.
Finally, see how your borrower compares to peers with industry benchmarking tools such as the RMA Annual Statement Studies, Moody’s Probability of Default models, and other industry data sources.
Live on : Wednesday, August 06, 2025, at 01:00 PM EST
Presented by: DEV STRISCHEK
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Dev is principal of Devon Risk Advisory Group and engages in consulting, speaking and training on a wide range of risk, credit, and lending topics. As former SVP and senior credit policy officer at SunTrust Bank, Atlanta, he was responsible for developing, implementing, and administering credit policies for SunTrust's wholesale lines of business--commercial, commercial real estate, corporate investment banking, capital markets, business banking and private wealth management.
Financial statement analysis is the process of analyzing a company’s financial statements for decision-making purposes. External stakeholders, such as bankers, lenders, and creditors, use it to understand the overall health of an organization and to evaluate financial performance and business value. The borrower’s internal constituents use it as a monitoring tool for managing the finances.
This session is ideal for lenders, credit analysts, finance professionals, and business owners who want to strengthen their ability to interpret financial statements with clarity and confidence.
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