How to Use Financial Ratios in Credit Analysis
  • CODE : DEVS-0071
  • Duration : 60 Minutes
  • Level : Beginner
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A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Dev is principal of Devon Risk Advisory Group and engages in consulting, speaking and training on a wide range of risk, credit, and lending topics. As former SVP and senior credit policy officer at SunTrust Bank, Atlanta, he was responsible for developing, implementing, and administering credit policies for SunTrust's wholesale lines of business--commercial, commercial real estate, corporate investment banking, capital markets, business banking and private wealth management. He also spent three years as managing director and credit approver in SunTrust's Florida commercial lending and corporate investment banking areas, respectively. Prior to SunTrust, Dev was chief credit officer for Barnett Bank's Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, Dev's experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor in Hawaii, Missouri, and Florida. A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, he earned his M.B.A. from the University of Hawaii.

Dev serves as an instructor in the Stonier Graduate School of Banking and the American Bankers Association's (ABA) Commercial Lending. He has also taught at the Florida RMA Chapter’s Commercial Lending School, the Southwest Graduate School of Banking, the Wisconsin Banking School, and the Pacific Coast Banking School.  His school, conference, and workshop audiences have included participants drawn from the ABA, RMA, OCC, Federal Reserve, FDIC, FFIEC, SBA, the Institute of Management Accountants (IMA) and the AICPA.

Dev has written about credit risk management, financial analysis and related subjects for the Risk Management Association's RMA Journal, and other business professional journals. He is the author of Analyzing Construction Contractors and its related RMA workshop. A past national chair of RMA and former Florida Chapter president, Dev served as a member of the RMA Journal's advisory board as well as on the advisory board of the Atlanta Chapter of the Professional Risk Managers' International Association (PRMIA). He has consulted on business credit policy and credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department's Financial Service Volunteer Corps (FSVC).  He also served on the Private Company Council (PCC) of the Financial Accounting Standards Board (FASB);  the PCC reviews current and proposed generally accepted principles (GAAP) and recommends revisions that simplify their use for privately held organizations.



Ratio analysis helps lenders and analysts to determine a borrower’s operating performance (profitability and productivity) and financial condition (liquidity, leverage, solvency) by rendering the financial statements into ratios. 

This webinar focuses on well-known and reliable ratios to assist in identifying financial trends and evaluating analytical strengths and weaknesses of borrowers.

Areas Covered

Financial Condition

  • Liquidity
    - Current / Quick Ratios
    - Working Capital Analysis
  • Leverage
     - Various ratios to measure the proportion of support provided by owners  and creditors
  • Solvency
    - Measures for determining the ability of the firm to simultaneously satisfy the expectations of lenders and owners while maintaining the earning assets of the firm

Operating Performance

  • Profitability
     -  To measure the ability of management to utilize their assets to generate sales and maximize profits
     - Performance ratios to measure the relationship between sales, costs and expenses and how their changes affect the bottom line

Who Should Attend

Beginning Professionals in the Banking, Credit and Financial Services Industry followed by Mid Management and Upper Management.

Why Should You Attend

This session will explain how to employ ratios to measure and evaluate a borrower’s performance and financial condition. Borrower’s financial profile does change over its life cycle as it moves from new entity to mature firm, and this change over time will be explained and illustrated so that participants will see link between positive cash flows and good operating performance and financial condition.

  • $160.00



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