What’s in a number, if a company has a current ratio of 2:1 what does that mean and will I base my credit decision on that number?
If I see grocery stores have an average inventory turnover of 45:1 and mine is only 9:1 are we doing something wrong?
Ratios by themselves cannot always give you everything you need so you need to be resourceful and know where to go to get the answers.
To accommodate those needs this session will teach you how to use the Balance sheet, Income statement and the Statement of cash flows and the associated ratios along with other tools to help you make a sound credit.
The session will cover calculating ratios in the following areas: Activity ratios, Profitability ratios, Liquidity ratios, Debt Ratios, Altman Z score.
To learn how to read a Balance Sheet, Income statement and Statement of cash flows and understand the importance of each and what it means.
It will also show you how to write up an account summary with everything in it to present to management with your credit decision.
The session will cover calculating ratios in the following areas: Activity ratios, Profitability ratios, Liquidity ratios, Debt Ratios, Altman Z score.
To learn how to read a Balance Sheet, Income statement and Statement of cash flows and understand the importance of each and what it means.
It will also show you how to write up an account summary with everything in it to present to management with your credit decision.
Ronald Sereika
Ronald Sereika is the manager of credit and collections at CooperVision, Inc. He has been an NACM instructor since 1998 as well as a speaker at the NACM Credit Congress, NACM Eastern Regional Conference and New York State NACM Annual Meeting for the past four years. He has attended the Graduate School of Finance at Dartmouth University and has earned the designations of CCE -Certified Credit Executive and CEW- Certified Expert Witness.Mr. Sereika has been honored to win the following awards: NACM Instructor of the Year 2010, NACM CCE Award of Excellence 2013 and the Upstate New York Credit Executive …
Zero Acceptance Sampling to Reduce Inspection Costs
Project Management for Non-Project Managers - How to commun…
Why EBITDA Doesn't Spell Cash Flow and What Does?
FDA Compliance And Laboratory Computer System Validation
Workplace Investigations 101: How to Conduct your Investiga…
Do's and Don'ts of Documenting Employee Behaviour, Performa…
Fostering a Culture of Respect: Eliminating Gossip, Rumour…
Gossip-Free: Leadership Techniques to Quell Office Chatter
Human Error Trends as AI Enters GMP Operations: What QA Lea…
2026 EEOC & Employers: Investigating Claims of Harassment …
Stop Letting Toxic People Control Your Day
AI for Excel Professionals: Enhancing Productivity with Cha…
Building a High-Performance Team in 90 Days
Introduction to Microsoft Power BI Dashboards
Bootcamp for New Managers and Supervisors: Develop These Es…
Dealing with Difficult People: Managing Strong Personalitie…
The Perfect Storm Coming to Healthcare: Value Based Care Me…
Excel - Lists and Tables - A Beginner's Guide to Managing L…
Stop Letting That Difficult Person Ruin Your Day: Effective…
Reinvent Your HR Department with ChatGPT
Using Claude in Excel for Productivity, Automation & Data A…
DOL Reverses Course on Independent Contractor Rule for 2026…
FDA Technology Modernization Action Plan (TMAP) and Impact …
GROUPBY and PIVOTBY functions. Pivot table killers?
Discover how Emotional Intelligence turns AI from a technic…
Sunshine Act Reporting - Clarification for Clinical Research
FDA Recommendations for Artificial Intelligence/Machine Lea…
Cleanroom, Microbiology and Sterility Assurance Practices f…
Faster, Better Talent Acquisition: Leveraging AI & ChatGPT …
Data Integrity and Privacy: Compliance with 21 CFR Part 11,…
FDA Audit Best Practices - Do's and Don'ts
Medical Device Hazard analysis following ISO 14971
Interactive dashboards & analytics in Excel