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Basic Cash Flow Analysis

This course is designed to assist bankers in calculating cash flow utilizing the Uniform Cash Flow Analysis method (UCA), Another purpose of this course is to compare the UCA method with the Indirect Cash Flow method, (which is often utilized by accountants in preparing the Statement of Cash Flows as part of a set of financial statements) and the Traditional and EBITDA Methods.
Upcoming
DATE

Monday, August 3, 2026
2:30 pm - 4:30 pm

INSTRUCTOR

Jeffery Johnson

FORMAT

Webinar

$299.00 or 1 Token

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Lending
  • Lending Compliance
  • Board Member
  • Branch Manager
  • Commercial Lender
  • Compliance Officer
  • Credit Analyst
  • Internal Auditor
  • Mortgage Lender
  • Training Manager
  • Trainer

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Understanding how to calculate and interpret cash flow is essential for successful bankers and credit analysts. After all, it is not income that repays loans, it is cash. Therefore, bankers must understand the difference between income and cash and be able to convert income into cash. That conversion process is called Cash Flow Analysis.

The course will begin by examining the differences between an Accrual Basis and Cash Basis financial statement then proceed to examining the key accounts on the balance sheet and income statement and how these accounts are utilized to determine the source of cash and how the cash was spent.

What You'll Learn

Upon completion of this course, the participant will have a good understanding of how cash flow is calculated and more importantly, how to interpret its meaning. Specific areas that will be covered include:

  • The advantages and disadvantages of Accrual and Cash Basis financial statements
  • Review of the Rules of Cash Flow which is essential in determining how much cash is generated from items on the balance sheet
  • Comparison of the UCA method of calculating cash flow to the less effective traditional method of determining cash flow
  • A Fast Cash Analysis method which can get you to the same results in less time

Who Should Attend

Senior Loan Officers Senior Credit Officers Commercial Loan Officers Branch Managers Credit Analyst Loan Review Personnel Consumer Loan Officers who also serves business entities Loan Committee Members
Jeffery Johnson

Instructor Bio

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate and Non-Profit Organizations.

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.

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