Analyzing Financial Statements ILO with Textbook


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A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan.

Learning Objectives

  • Analyze the financial data and evaluate the risks of different industries
  • Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
  • Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
  • Describe the basic formats and analysis techniques for personal financial statements as well as tax returns


Commercial and/or business bankers and credit analysts. The recommended prerequisite course is General Accounting.

This course requires proctored exams.

Award Application and Career Pathing

This course applies to the following awards:


Course Credits

ABA Professional Certifications: 45 CLBB

ABA Certificates: This course applies to the Certificate in Business and Commercial Lending.

ACE Credits: 3.0 in analyzing financial statements, financial accounting, or financial accounting and analysis.

Upcoming Dates

  • December 5, 2022 – March 31, 2023
  • May 8, 2023 – August 25, 2023
  • July 24, 2023 – November 10, 2023
  • December 4, 2023 – March 29, 2024

Award Application and Career Pathing 

General Accounting applies toward the completion of the following certificates and diplomas:

Code: A6920ILO
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