Analyzing Personal Financial Statements and Tax Returns 

Seminar Description

Lenders frequently need to assess and evaluate the financial condition and cash flow of individuals.  This may be within the context of:

• obtaining personal guarantees of business loans
• situations where a bank is making large personal loans
• calculation of global cash flow requires the determination of personal cash flow

The primary items needed to accomplish these objectives are personal financial statements and personal tax returns.

This seminar will increase your understanding of how to use and evaluate personal financial information for purposes of credit risk evaluation.  Lenders, personal bankers, credit analysts, private bankers and credit administrative staff will find this presentation useful. 

Here are some of the issues that will be addressed:

• Looking beyond net worth
• PFS structure
• Liquidity / Solvency issues
• AGI is not what you think it is
• Adjusted net worth
• PFS analysis issues
• Structure of tax returns
• Propose of tax returns
• Tax return considerations
• Calculation of personal cash flow

Speaker - Gary D. Maples

President, River Edge Consulting LLC, Sheboygan Falls, Wisconsin

Gary currently provides

• consulting services (in the lending/credit administration areas)
• expert witness services
• and all types of credit training. 

Previously Gary was a District Bank President with thirty years experience in commercial lending, credit analysis, loan and credit administration, loan workouts and bank management.

Other Teaching Experience includes: WI, IA, IL, KS, KT, MI, MN, NY, OH, and PA Bankers Assoc.; KS/NE Schools of Banking;  Pacific Coast Banking School; Stonier Graduate School of Banking; Graduate School of Banking at the UW; Czech and Romanian Banking Institutes; ABA’s National Graduate Lending School.

General Information

A Continental Breakfast and Lunch will be provided.

Attire - Business Casual

  8:30 - 9:00    Registration and Continental Breakfast
  9:00 - 12:00  Seminar
12:00 - 1:00    Lunch
  1:00 - 4:00    Seminar 

Register Now!