The Balance Sheet and Profit and Loss Statement: Key Questions to Ask

Webinar: ID# 1000516
About This Course:
This program is designed to assist lenders and other credit professionals who want a fundamental understanding of the information that is contained in Balance Sheets and Profit and Loss Statements.

During this program, participants will learn what important components of Balance Sheets and Profit and Loss Statements can be used as the basis for determining the financial health of business borrowers.

Covered Topics:

  • The importance of understanding the quality of a business' assets
  • Distinguishing between a business' different liabilities. Which are more worrisome than others?
  • The components of Net Worth
  • The importance and limitations of standard financial ratios
  • The Profit and Loss Statement and what it says about a business

Who Should Attend?

  • Credit Analysts
  • Loan Officers
  • Branch Managers
  • Loan Committee members

The Presenter
Vincent DiCara is a co-founder of Development Finance Training and Consulting, Inc. (DFTC). He has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for more than twenty-seven years as a business advocate, lender, credit analyst and trainer in the public, private non-profit, and private sectors. Immediately prior to establishing DFTC in 2002, Mr. DiCara was the Principal of Development Consulting Services, a consulting business which provided business plan development and financial packaging services.

For the last fifteen years, Mr. DiCara has conducted a wide variety of training programs for individuals who work in the credit union, banking, economic development, and community development fields. Mr. DiCara's training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.

Mr. DiCara is a graduate of Bowdoin College in Brunswick, Maine and received a Masters Degree in Public Administration from the University of Maine. He has also earned the designation of Economic Development Finance Professional (EDFP) from the National Development Council. A native of Boston, Massachusetts, he has been a resident of the State of Maine for more than forty years.

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