Using Personal Tax Returns for Global Cashflow: What's Cashflow and What Isn't

Understanding and quantifying global cash flow is becoming more of a necessity for financial institutions that lend money to businesses. Understanding and analyzing information in personal income tax returns is an important aspect of recognizing the financial condition of loan guarantors. To accurately calculate global cash flow, a lender needs to know how to take information in personal tax returns and apply it correctly.

Lenders will learn how to interpret information in personal tax returns to determine the ability of customers who guarantee loans to add strength to loan requests. We'll work with individual federal tax return forms and schedules to help identify the places in tax returns that address cash flow, as well as those places that don't.

Learn what forms and schedules in personal tax returns you should pay attention to and what you should ignore.

Covered Topics:

  • Understanding those sections of the tax return that are important for determining a borrower's ability to generate cash flow
  • Identifying cash inflows and outflows from tax returns
  • The relevance of information in various tax schedules
  • The difference between cash flow and taxable income
  • Understanding how personal cash flow is generated from owning small businesses, sole proprietorships, partnerships, corporations and limited liability companies

Who Should Attend?

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

I've attended many of Vin's seminars over my last 20 years in lending and always find him to provide new perspective on an old way of looking at credit. Any opportunity I get to sign-up, I will. -- Tina V, First Dakota National Bank