2021 Cash Flow Analysis - August 11th 
Program Agenda
Registration - 8:30 a.m.
Program starts - 9:00 a.m.
Lunch - 12:00 - 1:00 p.m.
Program continues - 1:00 p.m.
Adjourn - 4:00 p.m.

Register by Individual Here
Register by Bank Here
This program will explore various cash flow techniques as they apply to a wide-range of business scenarios and address the underlying drivers of cash flow. The cash flow models will include both business and personal (business owner) applications.
The business cash flow section will include “traditional” EBITDA cash fl ow, Fixed-Charge Coverage (FCC), Free Cash Flow (FCF), Cash Basis Cash Flow, and the UCA Cash Flow (using the Moody’s Lending Cloud software spreadsheet). Additionally, the Statement of Cash Flows (both Direct and Indirect Methods) as prepared by the CPA will be reviewed.
The personal cash flow section will detail the cash flow analysis of the “business owner” using the 1040 tax return and personal financial statement. Additionally, the Global Cash Flow or combined “business & personal” cash flow model will be displayed.
Also, included a “commercial real estate” cash flow analysis with several “what-if” situations.
Program Highlights:
• Business & Personal Cash Flow Analyses including Director Applications to Business Scenarios
• EBITDA, FCC, FCF, Cash Basis Cash Flow, UCA Cash Flow Analyses, Statement of Cash Flows
• Personal Cash Flow Analysis
• Global Cash Flow: Combining the Business and Personal Cash Flows
• Commercial Real Estate Cash Flow Analysis including “What-If” Situations
Who Should Attend
Commercial lenders, credit analysts, relationship managers, branch managers.
The Speaker - DAVID OSBURN
Mr. Osburn is the founder of Osburn & Associates, LLC. He has an extensive background of over 30 years which encompasses 12 years as a Business Trainer/Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. David’s banking credentials include loan underwriting, loan “work-out”, management, and business development.

Member: $265
Non-Member - $400
*Fee includes one day of instruction, refreshments, lunch and handout material.
*We understand circumstances arise requiring cancellation - if you cancel up to 3 business days before the program, your registration fee will be refunded.
*If you have special dietary needs, please contact the KBA offi ce.
*If you have a disability, and request special accomodations, please contact the KBA office.
*Registration for and attendance at KBA meetings and events constitutes an agreement by the registrant for KBA’s use of the attendee’s photograph in printed and/or digital promotional materials, publications, mobile app and social media, unless permission is revoked and received by the KBA prior to the event.