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Cash Flow I

Cash Flow I

Who Should Participate

This seminar is appropriate for lenders, analysts, credit committee members, loan reviewers, examiners, managers and bank presidents who deal with cash flow statements and who wish to understand the tools and techniques that are available in order to interpret the Uniform Credit Analysis cash flow statement. This course assumes that participants already possess a basic understanding of business accounting.

Make your attendance count towards your continuing professional education credits! The MBA will provide a certificate of attendance that you may submit to the appropriate advisory board.



All business bankers must be able to assess the cash flow generation abilities of their borrowers because it’s their borrowers’ cash flow that repays their borrowers’ debt.

In this seminar, participants will have the opportunity to understand, both intuitively and practically, the construction of UCA® format cash flow statements. Participants will then discuss basic analytical techniques that can be applied to these statements in order to assess creditworthiness. The focus of this seminar is on understanding the logic behind cash flow, rather than on memorizing various mechanical rules of cash flow statement construction.

Topics to be covered include:

  • Introduction to the importance of cash flow
  • Traditional cash flow limitations and adjustments
  • The logic and mechanics of cash flow
  • General cash flow lessons
  • Key cash flow statement questions that should always be asked for any cash flow statement
  • A review of the logic behind the UCA® cash flow statement format
  • Analysis options that are generally available using computerized software
  • A discussion of UCA® cash flow terms and their meanings

Please bring a calculator to this class!


John W. Reik is the founder and president of John Reik & Associates LLC, Business Training and Consulting, which can be found on the web at This Minnesota-based firm, founded in 1980, works primarily with banks and bank trade associations. In addition, John has been a lecturer and Assistant Professor of Finance at the University of Minnesota for over 35 years and spent eight years as the senior credit trainer and manager of Credit and Finance Education for First Bank System [now U.S. Bank.] Previous to his position at the University of Minnesota, John worked as a financial analyst in the Automotive Assembly Division of Ford Motor Company. John is an honors graduate of Purdue University and the University of Minnesota and holds degrees in management, accounting, finance, and law. 

Registration Fee (This fee includes materials, lunch and refreshments)

Member: $295.00
Qualified Non-Member $590.00

Note:  You will be given the option to pay by credit card or to invoice your company during the checkout process.

Dates & Times

February 18, 2020
Check in: 8:45 AM
Program: 9:00 AM - 4:00 PM


Minnesota Bankers Association
8050 Washington Avenue South
Eden Prairie, MN  55344
Click here for directions


Lodging arrangements can be made at: Hyatt Place, Eden Prairie. Click here to make an online reservation, or call 952-944-9700 - dial “0” for the front desk, (Ask for the Minnesota Bankers Association rate of $148.00, plus tax)

Cancellation Policy

The MBA reserves the right to cancel programs due to insufficient enrollment, instructor illness, or other reasons. Participants wishing to cancel must inform the MBA in writing prior to the event. Send cancellation notices to A cancellation fee of 25% of the program cost will be charged for withdrawing, or you may send a substitute. The full program fee will be charged for withdrawing after the event has taken place or a no-show. 

Special Needs

If you have a disability that may affect your participation in this program - or any dietary issues - please send a statement regarding any special needs to at least two weeks prior to the program. We will contact you to discuss accommodations.
2/18/2020 9:00 AM - 4:00 PM
Minnesota Bankers Association 8050 Washington Avenue South Eden Prairie, MN 55344

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