Analyzing Personal Income Tax Returns and Personal Financial Statements

The ability to understand and analyze the information contained in personal income tax returns and personal financial statements is an important aspect of qualifying retail loan customers.  This program will assist lenders in understanding the information contained in these tools in order to determine the ability of customers to service debt.  Attendees will work with federal tax return forms and schedules to help identify the borrowing capability of customers.  Program participants will also learn about the relevance of personal financial statements to the lending process and how to use the information contained in personal financial statements in combination with tax returns.    

Sample Topics
• Understanding those sections of the tax return that are important in order to determine a borrower’s ability to repay loans
• How to identify cash inflows and cash outflows from tax returns
• The relevance of information contained in various Tax Schedules
• Personal Financial Statements and their importance
• Understanding the personal cashflow that small businesses (sole proprietorships, partnerships and Limited Liability Companies (LLCs) generate for their owners and how it impacts personal cashflow

Recommended Audience
• Credit Analysts
• Loan Officers
• Branch Managers
• Loan Committee members
• Retail Lenders

DiCAra UpComing Events

DiCara Training and Consulting has earned the reputation of being a leader in training and consulting services. Our primary customers are community lenders in the banking, credit union, and economic development sectors.

With our extensive experience in the financial services industry, DiCara TC knows what it takes to effectively develop and increase financial management skills. The real world experience of DiCara's financial experts provides an unsurpassed learning opportunity. With experience as commercial lenders, entrepreneurial business owners and business consultants, our perspective brings each subject matter alive by using real-life examples. Our teaching style also creates a relaxed environment that fosters interactive participation and empowers students to take control of their own learning.

Contact us today for more information.

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