Developed Specifically for Your Lenders

Our Buker's Taxanalysis training classes, detailed self-study programs and computer software give your lenders the advanced skills necessary to analyze the most complex income tax returns.

• Teaches lenders how to quickly and systematically review an individual income tax return and accurately determine a borrower's cash flow available to service debt.
• Guides lenders through the cash flow analysis with a thorough, easy-to-use standardized worksheet.
• Enables lenders to fully understand appropriate worksheet adjustments by emphasizing the underlying theory behind each adjustment.
• Allows credit administrators and senior officers to quickly critique cash flow analyses on loans pending approval.
• Provides the big picture approach to cash flow analysis of individual returns by:
• focusing on the interrelationships of borrower's various financial activities as presented on a return;
• highlighting how changes in those activities will impact recurring cash flow derived from those activities.

Your Institution Will Benefit

By providing important skills to loan officers who rely on individual income tax returns as a guide to a borrower's annual cash flow, Buker's Taxanalysis will benefit your institution in many ways.

• Set an objective standard for your institution in the cash flow analysis of individual income tax returns. All lenders in all departments can analyze returns with precise accuracy.
• Make more informed lending decisions:
• Enhances the accuracy of your cash flow estimates of prospective borrowers while reducing risk of incorrectly estimating the prospective cash flow.
• Increase potential for additional lending opportunities:
• Expands lender's understanding of borrower's financial affairs via comprehensive analysis of their return.
• Save time analyzing marginal credit requests by early elimination of no go loans.

Your Loan Officers Will Benefit, Too

Individual tax returns are often used to estimate the borrower's annual income. But income as shown on the return and actual cash flow are radically different.

Buker's Taxanalysis teaches loan officers how to bridge this gap:

• Where to quickly find information vital to a cash flow analysis.
• How to convert income or loss items to their actual cash flow equivalent.
• Analyze pass-through entities--partnerships, S Corporations, estates, trusts, REMICS, LLCs and LLPs--and their effect on cash flow.

Taxanalysis is Appropriate for a Variety of Lenders

Taxanalysis is suitable for the following types of lending departments who analyze the cash flow of individual borrowers:

• Private Banking
• (high income/high equity individuals)
• Real Estate
• (borrowers are primarily individuals)
• Commercial
• (individual guarantors)
• Retail/Consumer
• (borrowers are primarily individuals)