Advanced Commercial Lending School (Virtual)
Breaking into Banking 201: Analyzing Repayment Sources

Conference/Seminar/School Gail Queen

This 9-module course is a “sequel” to the Commercial Lending School and is best taken after completion of that course, though it is not a prerequisite.  The Advanced Commercial Lending School dives deeper into topics covered in modules 4, 6, and 8 of the Commercial Lending School: analyzing a borrower’s balance sheet, income statement, collateral, and risk ratings. 

Target Audience:  This course is most appropriate for credit analysts, lenders, portfolio managers, and others who need skills in financial statement analysis and writing credit documents.

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Agenda & Speaker

Introduction and Overview

  • Outline of course objectives and topics
  • Understanding primary and secondary repayment sources
  • Why banks need accurate loan data to estimate credit losses

Balance Sheet Analysis, Part 1:  Analyzing Liquidity

  • Better definitions of assets, liabilities, and equity
  • Measuring liquidity: beyond formulas and ratios
  • Quality of current assets

Balance Sheet Analysis, Part 1:  Analyzing Leverage

  • The difference between debt and equity
  • How to measure leverage
  • Highly leveraged lending

Income Statement Analysis, Part 1:  Revenues and Profit Margins

  • Analyzing revenues: growth and drivers
  • Keys to analyzing gross margin and operating margin
  • Why Return on Assets (ROA) matters

Income Statement Analysis, Part 2: Coverage Ratios

  • Explanation of fixed charges
  • EBITDA as a proxy for cash flow
  • Measuring debt service coverage and fixed charge coverage

Collateral Analysis, Part 1:  Non-current Assets

  • Why bankers need a back-up plan
  • Commercial real estate as collateral
  • How to evaluate fixed assets

Collateral Analysis, Part 2: Trading Assets

  • Understanding self-liquidating collateral
  • How to assess the value of inventory
  • Analyzing a borrower’s Accounts Receivable

Collateral Analysis, Part 3:  Solving the Problems

  • Understanding Accounts Receivable Aging reports
  • Borrowing base formulas and certificates
  • Unsecured and under-secured loans

Risk Ratings, Expected Loss, and Provision for Credit Losses

  • Provision for Credit Losses
  • Dual risk ratings and expected loss
  • Provision for Credit Losses and why it matters

Andy Keusal, Founder and President, Keusal Learning.  Andy is passionate about using his teaching gift to help others reach their God-given potential.  After earning his B.A. in Psychology from the University of Notre Dame, he spent eighteen years in commercial banking, during which he interviewed, hired, and trained hundreds of new bankers.  He also helped build and run one of the nation’s premier credit training programs at a large Midwest regional bank.  He left his corporate career in 2015 to found Keusal Learning, where he now helps people master the basics of banking.  Many of his trainees have moved on to prosperous careers in banking, private equity, and even business ownership.  As a husband and father of ten children, Andy devotes much of his time and energy to helping his wife Andrea educate their nine children still living at home.  Whether at home or in the workplace, Andy has a knack for making complex things simple, using humor and a comfortable presentation style to communicate with his audience.  He is the author of the popular book, “Breaking into Banking: Cracking the Code on Launching a Successful Career in Commercial Banking,” and the creator and facilitator of the video course by the same name.


VBA Members:  $625 Non-Members:  $1125

VBA Event Cancellation Policy

All cancellations will be charged a $25.00 administrative fee. Cancellations received less than 72 business hours before the program will be charged a $75.00 administrative fee plus any additional fees associated with the training. Substitutions are allowed prior to the beginning of course.

Special Needs

Please share any specific needs that should be considered as we plan for the conference (i.e. hearing impaired, sight impaired, etc). Please contact Gail Queen with any details.