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Lender Training: Manuals/Reference Guides


Three resource manuals to choose from:

Tax Return Analysis – Essentials and 1040 Review
Beyond the 1040 – Corporation, Partnership & LLC Returns
Financial Statement Analysis: The Business Scorecard

These are physical manuals. Please contact us for PDF versions.



Global 1040 Tax Return Analysis

Tax Return Analysis – Essentials and 1040 Review – $195

This 175+ page manual is used in our in-person and online training, by self-study students and as a reference guide for continued use. The manual is self-sufficient, and is loaded with hands-on exercises and detailed explanations. It includes camera-ready worksheets for your use.

  • Sample returns with solutions
  • Worksheets & procedures
  • Loan request checklist
  • Case studies with solutions

We teach you the basics and give you additional information if you have to dig deeper. In addition to cashflow, we cover other items in the return that are danger signals or would give a hint as to the health of the business.


Global Tax Return Analysis of Multiple Entity Pass-Through

Beyond the 1040 – Corporation, Partnership & LLC Returns – $195

Looking to build a stronger relationship with your business borrowers? You’ll understand the different legal entities, why the business owners chose theirs and what it does for their risk exposure.

In this 225+ page resource guide, there is a section on Corporations, Partnership/LLCs and S Corporations that includes:

  • Descriptions
  • Advantages/disadvantages
  • What form they file
  • Risk exposure of the owner/guarantor
  • Considerations for the lender
  • Comparison of taxable income to cash flow
  • Case studies for each entity-type

Financial Statement Analysis for Bankers

Financial Statement Analysis: The Business Scorecard – $125

Geared to the basic-to-intermediate level, this is a hands-on manual with complete exercises demonstrating how to get to the story behind the numbers.

No one reads financial statements, they interpret or translate them. It’s like a foreign language. With this manual, you’ll improve your fluency in financial statements. This manual covers:

  • Cash versus accrual basis
  • CPA-prepared statements and what the CPA reports mean
  • Basics of Balance Sheets, Income Statements and Statements of Cash Flow
  • Ratio and percentage analysis
  • Trend and comparative analysis
  • Notes to the financial statements
  • Write-up tips

Using four sets of financials, from the very simple to a publicly traded company, learn by doing so you can answer these important questions:

  • How is the company really doing?
  • Should we lend them money?

What our clients say

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Easy to follow

The modules are easy to follow and the manuals are helpful in policy examinations!

Petr Rossiytsev Credit Analyst, Pueblo Bank & Trust
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The manual is a great resource.

Great training! The resources provided will be well-worn before too long!

Brandon Howard Credit Trainer, RBC Bank
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Bulletproof with regulators

I just finished the audit with our federal and state regulators. They asked how we are handling global analysis of tax returns and I broke out the manual I got from Linda 14 years ago. It still holds up today as bulletproof for letting the examiners know we know what we are doing.

I still reference the book after all these years and am confident the training she is doing for us today will help my team as well.

Rob Farrington Senior VP Com'l RE, American First CU