Advanced Financial Statement and Cash Flow Analysis

Finance & Accounting

Discover a comprehensive approach to financial statement and cash flow analysis. Attendees will analyze the four financial statements: income statement, statement of retained earnings, balance sheet, and statement of cash flows. Attendees will also explore accounts receivable assessment, allowance for doubtful accounts, intangible assets, accounts payable assessment, capital and operating leases, and analysis of the equity section of the balance sheet including partners’ capital accounts, common and preferred stock, treasury stock, stock splits, and retained earnings. Lastly, case studies will be used to illustrate a “five-part” financial statement analysis model which will include the liquidity, activity, leverage, operating performance, and cash flow.

Who Should Attend: Commercial Loan Officer, Credit Analyst, Relationship Manager, Business Development Officer, Credit Administrator

Learning Objectives

  • Analyze a “five-part” analysis model including liquidity, activity, leverage, operating performance, and cash flow
  • Analyze the EBITDA, personal (business owner), and global cash flow analyses
  • Explore the statement of cash flows, the UCA cash flow, cash basis cash flow, fixed-charge coverage, free cash flow, commercial real estate cash flow, and sensitivity analysis
  • Discuss the Z-score (bankruptcy predictor) and sustainable growths models


David Osburn
Founder & Managing Member
Osburn & Associates, LLC
David L. Osburn is the founder of Osburn & Associates, LLC, a business training and contract CFO Firm that provides seminars, webinars, and keynote speeches for CPAs, bankers, attorneys, credit managers, and business owners on topics such as banking/finance/credit, negotiation skills, marketing, and management Issues. His banking credentials include loan underwriting, loan “work-out,” management, and business development. Additionally, David holds the professional designation of Certified Credit & Risk Analyst as granted by the National Association of Credit Management.

Webinar Fees

Pricing For Price Season Pass
Bank Member $195 $0
Bank Nonmember $249 $0
Affiliate Member $195 $0
Affiliate Nonmember $249 $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


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