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Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly!

Ratios, ratios, and more ratios! What do they really mean? Many financial professionals, including bankers, use financial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret the ratios in the same manner?
Upcoming

Intermediate

DATE

Wednesday, December 9, 2026
2:30 pm - 4:00 pm

INSTRUCTOR

David Osburn

FORMAT

Webinar

CREDIT TYPE

1.5 CPE Credits

$299.00 or 1 Token

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

  • Accounting/Reporting
  • Collections
  • Commercial/Business Lending
  • Compliance
  • Lending
  • Lending Compliance
  • Management/Employee Development
  • Branch Manager
  • Commercial Lender
  • Consumer Lender/Retail Banker
  • Controller/Accountant
  • Credit Analyst
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Private Banker
  • Small Business Lender
  • Training Manager
  • Trainer

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Attend this proactive webinar and learn a “five-step” analysis plan to calculate the key ratios covering liquidity, activity, leverage, operating performance, and cash flow analysis and correctly interpret the financial condition of the business client. Upon completion of this webinar, the bank employee will also be able to better negotiate with their business clients as well as other financial professionals.

The session will also include a review of “industry comparisons” and “spreading” a financial statement using specialized software to better analyze the key ratios. This section will also include the bankruptcy (Z-score) predictor and sustainable growth models.

Three case studies will be presented to illustrate the main concepts associated with key ratio analysis.

What You'll Learn

  • Utilize a “five-step” ratio analysis plan to calculate/interpret the key ratios
  • Discuss “negotiating” with other financial professionals using the ratios
  • Review the Z-score and sustainable growth models
  • Case analyses: Applying the concepts!

Who Should Attend

Commercial lenders, credit analysts, loan documentation specialists, relationship managers, branch managers, private bankers, and business development officers.

Skill level:None

David Osburn

Instructor Bio

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 bankers, CPAs, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues.

His extensive professional background of over 30 years encompasses 24 years as a Business Trainer/ Contract CFO and 16 years as a Bank Commercial Lender including the position of Vice President/Senior Banking Officer. His banking credentials include loan underwriting, loan “work-out”, management, and business development.

Mr. Osburn has been an adjunct college professor for over 30 years teaching Accounting, Economics, Finance, Banking, Marketing, Management, and Business Law.

Continuing Education Credit Information

Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly! has been approved for 1.5 CPE credits. Credits are redeemable for Live attendance only.

OnCourse Learning 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 website: www.nasbaregistry.org.

Students can contact OnCourse Learning via email at support@oncourselearning.com to lodge complaints or issues.

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