Business Financial Statements & Tax Returns: Developing and Analyzing the Uniform Credit Analysis (UCA) Model - Fa20

Course Length
90 mins

Instructor
Richard Hamm

Price
$275.00

Upcoming Sessions

Description

Presenter:  Richard Hamm, Advantage Consulting and Training

This 90-minute program will be presented live on: September 22, 10:30 a.m. - 12:00 p.m. Central Time
Recording available through: December 22, 2020
Price: $275

The Uniform Credit Analysis (UCA) cash flow model is an important analytical tool provided as output from business financial statement “spreading” software used for commercial and industrial (C&I) loans.  This seminar demonstrates how the UCA model is derived and compares it to the statement of cash flows (SCF) prepared by accountants.  From a “hands on” case study, the participants will learn how to calculate the UCA formats, plus how to use it to evaluate business cash flow in conjunction with traditional ratio analysis. 

Topics to be covered:

  • Introduction to the UCA model and how it is derived from basic financial statements or tax returns
  • Compare and contrast the “direct” format (used in UCA) from the “indirect” format (used in SCF)
  • How to calculate and how to use the UCA model to evaluate business cash flow, with a focus on assessing operating cash flow consistency and reliability, plus how short-term and long-term financing affect cash flow
  • How cash flow analysis can be integrated into and validate traditional ratio analysis and other underwriting techniques

Target Audience:  Commercial lenders, credit analysts, small business lenders, private bankers, loan review specialists, lending managers and credit officers

Related GSB Online programs/topics:

  • Business Financial Statements & Tax Returns:  Developing and Analyzing a Statement of Cash Flows
  • Business Financial Statements & Tax Returns:  The Working Capital Cycle and Equipment Finance/Leasing Issues

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