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This program is designed to show bankers, lenders and credit professionals:
1-how to evaluate a borrower’s operating performance-revenue generation, productivity, efficiency, and profitability-as they analyze the information disclosed in its income statement. 2-how to identify the critical elements of the profit and loss statement and their roles in driving a business borrower's operating performance. 3-how to judge a borrower's operating performance trends and results against industry averages.


  • P&L's key components-revenue, cost of goods sold, gross profit, operating expenses, profit before taxes, taxes, profit after taxes
  • Revenue growth-actual sales growth vs sustainable growth rate
  • Break-even analysis-how much revenue does a borrower need just to cover its expenses?
  • Operating leverage-the smaller the gross profit, the more vulnerable a borrower's profitability is to declining revenues
  • Production vs. productivity
  • Profit margins-gross profit margin, before-tax profit margin, after-tax profit margin
  • Analysis of return on sales, return on assets, return on equity
  • Profit vs cash flow-why profit is not always equal to cash flow
  • A case study is used to demonstrate how to evaluate operating performance.

This program is designed to assist bankers, lenders and credit professionals who want a fundamental understanding of the information that is contained in the income statement. During this program, participants will learn the critical elements of the profit and loss statement and how to use it to assess the operating performance of a business borrower.


  • Credit Analysts
  • Credit Managers
  • Loan review officers
  • Work-out officers
  • Commercial Lenders
  • Credit Risk Managers
  • Chief Credit Officers
  • Senior Lenders
  • Senior Lending Officer
  • Bank Director
  • Chief Executive Officer
  • President
  • Board Chairman

A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek principal of Devon Risk Advisory Group based near Atlanta, Georgia.  Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc.  Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC).  PCC’s purpose is to evaluate and recommend to FASB revisions to current and proposed generally accepted accounting principles (GAAP) that are more appropriate for privately held firms.  He also serves as the PCC’s representative to FASB’s Credit Losses Transition Resource Group supporting the new current expected credit loss (CECL) standard to be implemented in fiscal year 2019 for public companies and 2020 for private firms.

The 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, he was chief credit officer for Barnett Bank’s Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, his experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor.

A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, Dev earned his M.B.A. from the University of Hawaii. Mr. Strischek serves as an instructor in several banking schools, including the Stonier Graduate School of Banking, and the Southwest Graduate School of Banking. 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.

Mr. Strischek has written some 200 articles on credit risk management, financial analysis and related subjects, and he is the author of Analyzing Construction Contractors and instructor of  a contractor analysis workshop. A past national chair of RMA and former RMA Florida Chapter president, Dev has consulted on credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department’s Financial Service Volunteer Corps (FSVC).

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