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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.

Ron has a Bachelor of Science Degree in Accounting and he has completed two-year executive credit and finance program as well as the GSCFM international program both at Amos Tuck School of Business at Dartmouth University. He was honored to have received the NACM National instructor of the year award in 2010, the National CCE of Excellence award in 2013 and also the Credit Executive of the year for Upstate New York in 2011. He is a true team player with a positive attitude and believes he will be able to help you reach the same results he has achieved with his presentation.

Mr. Ronald Sereika has over thirty years of experience in management, financial analysis, credit and collections, and customer service. His background includes working in the clothing, food and beverage, building products and currently the medical device industry; all these have contributed to his broad knowledge of diverse industries, a unique skill set that benefits any size or type of company.

Awards and Accolades

  • 2010 NACM co-national instructor of the year
  • 2011 credit executive of the year for Upstate New York
  • NACM CAP and ACAP instructor, 1998 to 2015
  • 2013 NACM National CCE Designation of Excellence Award
  • Written several publications related to the areas of collections and building partnerships with sales
  • Chairman of the board of directors of NACM Rochester, 2003 to 2006
  • Speaker at NACM Credit Congress, 2012,2013
  • Speaker at NACM annual meeting Upstate New York, 2010 to 2012
  • Two-time Finalist for CFO award Cooper Vision, 2012 and 2015
  • B.S. degree in accounting; taken two-year credit and finance program, Amos Tuck Business School at Dartmouth University

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