Understanding Business Borrowers

Course Number: ABA

Course Code: ABA

Learn how to identify and understand business industries and types and why they borrow money. An introduction to the basic concepts of business financial accounting and entity structures is also covered.

What You’ll Learn
The courses included in Understanding Business Borrowers and their objectives are listed below:

Business Sectors and Operating Cycle

Explain the operating cycles of various business industries
Analyze the financial data and evaluate the risks of the different industries
Why Businesses Borrow

Explain how a firm?s cash flow cycle can affect debt requirements and repayment sources
Identify the reasons businesses need to borrow
Identify the various borrowing arrangements used to structure a business loan
Describe the way alternative lending sources compete with or complement community banks
Business Legal Structures and Life Cycles

Define the basic types of legal structures available to a business
Describe the general characteristics of the four stages in the business life cycles
Introduction to Business Financial Statements

Describe the financial statement analysis process
Describe basic guidelines for preparing a spreadsheet and analyzing the data
Identify and evaluate a borrower’s financial strengths, weaknesses, and uncertainties
Explain the different types of financial statement preparation
Describe the other components associated with financial analysis
How Business Financial Statements are Constructed (Accounting Refresher)

Compare and contrast the cash method and accrual method of accounting
Construct a balance sheet and income statement on the accrual basis for an example business

Audience: Commercial and/or Business bankers and Credit Analysts

Prerequisites: None

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Member Price: $150.00
Non-Member Price: $200.00
Textbook Charge: $0.00

Credits: 8.0 CLBB

Length: 6 hours 30 minutes

ABA Training