Financial Statement Analysis, Jim Menard, CCE

It's time for you to apply all of the skills you have learned and to be ahead of the curve in this ever changing environment.

This hands on class will analyze three years of financial data from a number of public companies and compare their data to RMA Industry Standards using a simple Excel spreadsheet. We will discuss Liquidity Ratios; Coverage Ratios; Leverage Ratios; and Operating Ratios.

There will be a detailed discussion on understanding and reviewing Cash Flow Statements, their Key Components,
How to compute Cash Flow, procedures for estimating cash flow, as well as reviewing company profits vs. Cash Flow. We will look at actual companies and analyze their cash flow results using the Indirect method.

You will be provided a binder with all of the handouts/worksheets and a CDROM with the Excel spreadsheets. Please bring your laptop to work along with the instructor.

This class is designed for all levels of the credit profession.

Collection Techniques for the Construction Industry, Brian Pezzillo, Esq.

• Contract negotiation
• Bidding
• Review of “Boilerplate” language in contracts
• Validity of Contract Provisions
• Credit Application Terms & Conditions
• Enforceability of Personal Guarantees
• Payment Terms
• Pre-requisites to payment: Waivers and releases
• Background checks on potential clients
• DBA’s
• FKA
• Prior Discipline
• Ownership Interests
• Dispute Resolution Mechanisms – Which one is best for you
• Arbitration
• Mediation
• Litigation
• Payment Remedies Available
• Mechanic’s Liens
• Required Notices
• Timelines
• Proper service of notices
• Filing a Lawsuit
• Contract Damages
• Identifying breaches in the contract
• Administrative Remedies
• Filing before the State Contractor’s Board
• Complaint with the District Attorney’s office