Profit Is Not a Dirty Word: How to Assess a Borrower’s Operating Performance

Credit & Lending

This program is designed to show bankers, lenders and credit professionals:
1- How to evaluate a borrower’s operating performance—revenue generation, productivity, efficiency, and profitability–as they analyze the information disclosed in the income statement.
2- How to identify the critical elements of the profit and loss statement and their roles in driving a business borrower’s operating performance.
3- How to judge a borrower’s operating performance trends and results against industry averages.

Who Should Attend: CEO, CCO, Bank Director, Credit Analysts, Credit Managers, Loan Review Officers, Work-Out Officers, Commercial Lenders, Credit Risk Managers, Senior Lenders

Learning Objectives

  • Explore P&L’s key components—revenue, cost of goods sold, gross profit, operating expenses, profit before taxes, taxes, profit after taxes
  • Explore revenue growth—actual sales growth vs sustainable growth rate
  • Learn break-even analysis—how much revenue does a borrower need just to cover its expenses?
  • Discuss operating leverage—the smaller the gross profit, the more vulnerable a borrower is


Dev Strischek
Devon Risk Advisory Group
As principal of Devon Risk Advisory Group, Dev Strischek specializes in credit risk and commercial banking management, training, and development. He is a frequent speaker, instructor, advisor, and writer for many different educational groups and associations. Dev is also recently retired from his role as SVP and senior credit policy officer at SunTrust Bank, Atlanta, where he was responsible for developing, implementing, and administering credit policies for SunTrust’s wholesale lines of business; including commercial, commercial real estate, corporate investment banking, capital markets, business banking and private wealth management.

Webinar Fees

Pricing For Price Season Pass
Bank Member $195 $0
Bank Nonmember $395 $0
Affiliate Member $195 $0
Affiliate Nonmember $395 $0

Season Pass Members receive 4 individual logins to every webinar

Additional Info

Participants will earn 1.0 CPE credit

Field of Study: Specialized Knowledge

Prerequisites: None

Advanced Preparation: None

Program Level: Basic

Delivery Method: Group Internet Based

Refunds and Cancellations: Webinar registrations are non-refundable. If the registrant is unable to attend the designated time and date of the webinar, a playback link and any written materials will be provided within 2 business days following the conclusion of the webinar

Western Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its


Click here to register online