Advanced Credit Analysis
Online
Monday, August 11, 2025
- Wednesday, August 13, 2025
iCalendar
Central Standard Time
LIVE Daily Presentation: 11:00 am-4:30 pm Eastern | 10:00 am-3:30 pm Central | 9:00 am-2:30 pm Mountain | 8:00 am-1:30 pm Pacific
*Students will take a break from Noon-1:30 pm (central), each day.
Registration Deadline: August 7 (or until sold out)
Fee (per person*):
$915 Mbr, $1,400 Non-Mbr
Government Rate: Contact NAGGL >
* Your registration fee covers one connection, for one individual
This course uses case studies and examples to work through a higher level of credit analysis that focuses on the balance sheet as well as the income statement. The class will begin with analyzing the income statement to determine cash flow for the business using EBITDA and global cash flow calculations, determining fixed and variable expenses, assessing projections, and sensitizing cash flow. Because a more advanced study of credit incorporates the balance sheet as part of the overall credit analysis, this class will also teach calculating UCA cash flow, analyzing working capital needs, evaluating leverage, and creating a pro forma balance sheet.
On the Agenda
• Review of Credit Basics
• EBITDA Cash Flow Model
• Adjustments to Business Cash Flow
• Global Cash Flow Model
• Statement of Cash Flows and UCA Cash Flow Model
• Projections Based Lending
• Sensitization and Industry Risk
• Fixed vs. Variable Expenses
• Stress Testing the Projections
• Debt to Worth/Leverage Analysis
• Working Capital Analysis
• Pro Forma Balance Sheet Creation and Analysis
Prerequisite: Only students that have completed Basic Credit Analysis, or have a minimum of 2 years SBA underwriting experience should attend the advanced course.
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Other Information
• After registration deadline, the fee per person increases by $150.
• Attendees will receive access to a secure portal prior to the course start date that includes course login information and the digital materials to download.
• Course will feature exercises, group discussions and course interactions -- just like you’d experience at the in-person training.
• Attendance will be taken each day, and if applicable, you will receive diploma credit for attending the virtual course.