Business Banking Basics

Coming soon

Who benefits?

This course is ideal for professionals in finance who regularly interact with clients and seek to engage in more insightful conversations about business operations and financial flows, or those wanting a deeper understanding of specific industries. Typical attendees include individuals working in banks, investment firms, mortgage companies, Fintech firms, credit unions, or home office environments, particularly where providing advice on borrowing or loan options is essential.

Through practical examples and role-playing, participants will learn how to effectively approach clients, what to say, the appropriate tone to use, and how to follow up before closing a conversation. The course simulates the experience of going on multiple calls with seasoned professionals, offering participants valuable insights into client engagement. For instance, a small business owner will be impressed when their banker recognizes signs of financial strain, such as increasing payables and decreasing cash flow, showing a deeper understanding of the client’s needs.

Module 1: Understanding Cash Flow Movement.

  • A simple, logical process to understand how cash flows through the income statement and balance sheet.

Module 2: Key Drivers of Cash Flow and Balance Sheet Changes

  • Main actions that impact cash flow and cause changes in the balance sheet.

  • Reconciling cash flow effectively.

Module 3: Financial Strength and Cash Flow Impacts

  • The effect of cash flow and balance sheet changes on short-term and long-term financial stability.

Module 4: Borrowing Decisions

  • To borrow or not to borrow? Assessing when it’s financially wise to take on debt.

Module 5: Spotting Trends in Financial Data

  • Identifying trends through percentage changes in financial spreads and understanding key financial ratios.

Module 6: Recognizing Financial Danger

  • Easy ways to spot a business headed toward financial distress and how to respond.