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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.


  • Understanding how to tie in the main three financial statements together and make a sound credit decision.
  • Learn the importance of the Altman Z score.
  • Learning what each of the financial ratios are actually telling you.
  • Understanding the importance of cash to the organization.
  • Is DSO the best measure to determine your Credit’s collection ability.
  • How to write up a proper summary after your analysis for management to support your 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.


  • Financial analysis.
  • Gross and Net sales.
  • Cost of goods sold.
  • Gross margin.
  • EBIT.


  • Bankers.
  • Credit managers.
  • Credit Analysts.
  • People working in FP&A.
  • Small business owners.
  • General Managers.
  • Attorneys.


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 of the Year in 2011. He has a BS in Accounting from Fredonia State University and has done numerous webinars and speaking engagements over the past five years.

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