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Basics in Lending: Advanced Cash Flow Analysis and Advanced Tax Return Analysis
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10/23/2019 to 10/24/2019
When: October 23 - 24
From 8:30-4:30p & 8:30-4:00p
Where: Best Western Gran Tree
1325 N. 7th
Bozeman, Montana  59715
United States
Contact: Pam O'Reilly
406-441-4703


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Basics of Bank Lending:  Advanced Cash Flow Analysis & Advanced Tax Return Analysis

8:30 a.m. Breakfast, class starts at 9:00 a.m. both days

October 23rd:

ADVANCED CASH FLOW ANALYSIS

This program will explore multiple models of both business and personal (business owner) cash flow analyses.

The session will begin with the business “traditional” EBITDA cash flow and personal cash flow of the “business owner” (using the 1040 tax return, including tax schedules and K-1s, and the personal financial statement). Additionally, the Global Cash Flow or combined “business & personal” cash flow model will be displayed.

This will be followed by the Statement of Cash Flows (using the Direct and Indirect Methods), as prepared by the CPA, the UCA Cash Flow (using the Moody’s software spreadsheet), Cash Basis Cash Flow, Fixed-Charge Coverage (FCC), and Free Cash Flow (FCF).

Various cash flow projections and sensitivity analyses will also be explored.

The webinar will then conclude with “commercial real estate” (CRE) cash flow analysis and other related real estate “investment” cash flow models.  

Major Topics

  • Business (EBITDA) & Personal Cash Flow Analyses
  • Global Cash Flow: Combining the Business and Personal Cash Flows
  • Statement of Cash Flows, UCA Cash Flow, Cash Basis Cash Flow, Fixed-Charge Coverage, and Free Cash Flow
  • Cash Flow Projections and Sensitivity Analysis
  • CRE Cash Flow Analysis including Investment Models

October 24

ADVANCED TAX RETURN ANALYSIS FOR THE BANKER

This seminar will provide the banker with several advanced tax return concepts and related analyses to help them more effectively work with their business customers.

The session will begin with a brief review of analyzing a business owner’s personal “1040” tax return and the return of an LLC, S corporation, and C corporation including Schedules M-1 and M-2, Schedule K-1, pass-through transactions, and other deductions.

The remainder of the seminar will cover the following “advanced” tax topics related to business clients:

  • Corporate Tax Issues including Business Structure, Section 179 Depreciation, and Bonus Depreciation
  • Investments including Capital Gain/Loss Issues and Passive Activities
  • Real Estate Issues including Personal Residence, Rentals, Home Offices, and 1031 Tax-Free Exchanges
  • Employer Provided Benefits including “Qualified Retirement Plans” and Health Savings Accounts (HSAs)
  • Retirement Planning Strategies including “Defined Benefit” Plans and Captive Insurance
  • Estate Planning Issues including Gifting
  • Year-End Tax Strategies
  • Changes to the Tax Code that impact Business Owners including the “Tax Cuts and Jobs Act” (TCJA)

 

Targeted Audience:

Credit analysts, branch managers, relationship managers, loan documentation specialists, private bankers, and business development officers

 

INSTRUCTOR:

David Osburn is the founder and managing member of David L. Osburn & Associates LLC, a Las Vegas-based business training and contract CFO firm that provides seminar/keynote speeches for various groups including CPAs, bankers, attorneys, credit union employees, credit managers, trade groups, and business owners. He also serves as a contract CFO for several clients including construction companies, medical practitioners, and real estate developers, co-manages a bank educational program with the University of Nevada Las Vegas, and is a board member of North Star Business Services, a commercial lending company (commercial real estate and equipment financing).

His extensive professional background encompasses over 24 years in banking, finance, and marketing. His bank commercial lending credentials include comprehensive loan underwriting, management, customer development, and loan work-out experience.

In addition, David is an Adjunct Professor for Regis University, an accredited MBA program and the College of Southern Nevada, a community college. He has taught college courses for over 22 years, covering Finance, Accounting, Economics, Marketing, Banking, Business Law, and Management.

He earned an MBA in Finance/Marketing from Utah State University and a BS in Finance from Brigham Young University. He is also a graduate of the University of Oklahoma National Commercial Lending School. 

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