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This two part webinar series is designed to assist bankers in calculating cash flow utilizing the Uniform Cash Flow Analysis (UCA) method and to provide guidance in calculating Global Cash Flow Analysis for those entities that must rely on excess cash generated by their owners to service the business entity’s commercial debt.

Part Two of the series focuses on:

Analysis Methodology utilizing financial statements, tax returns and credit reports of individuals.
Global Cash Flow Analysis combining analysis of business and guarantors.
Review of Comparison of the UCA method of calculating cash flow to the less effective traditional EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) method of determining cash flow.

Why Should You Attend:

To better understand how to determine cash flow available from your guarantors in supporting business debt service.
To better understand and apply Global Cash Flow Analysis combining analysis of business and guarantors.

Areas Covered in this Webinar:

Part two of the series will focus on the analysis of the guarantor’s personal financial statements and tax returns in order to determine the excess cash flow available to support the debts of the business entity. That is the entire premise of Global Cash Flow Analysis.

Learning Objectives:

Participants will have a good understanding of how cash flow is calculated and more importantly, how to interpret its meaning.

Who Will Benefit:

Senior Loan Officers
Credit Analysts
Senior Credit Officers
Loan Review Personnel
Loan Officers
Credit Administration Support Staff
Bank Directors
Members of Bank’s Loan Committee

Speaker Profile:

David Sawyer’s experience in banking began in 1981 in the area of credit administration with Central Bank of the South. Since that time, he has served in the capacity of senior lender, senior credit officer and president and CEO of a community bank and two regional bank affiliates. His banking experience includes corporate, middle market and small businesses with emphasis on Commercial lending as well as SBA and lending to municipalities.

David has a B.S degree with a major in banking and finance and is a graduate of LSU School of Banking. He recently received Credit Risk Certification from Robert Morris and Associates (RMA). David has enjoyed teaching and training other bankers throughout his career and has held numerous teaching certifications in the banking area.

David lends extensive knowledge and experience in lending, credit analysis and problem loan identification/workout in addition to experience with banking regulators in the present environment.

For more detail please click on this below link:


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