Basic Personal & Business Tax Return Analysis

Navigating and interpreting tax returns can be a complex and daunting task for bank personnel. It is critical you possess the knowledge and tools needed to confidently analyze both personal and business tax returns for lending purposes.

Designed for those involved in consumer, mortgage, and commercial lending, this session will break down aspects of tax documents to ensure accurate assessments and informed decision-making.

This webinar is divided into two distinct parts to provide a structured approach, allowing for easier mastery and comprehension of both personal and business tax return analysis.

Part One Learning Objectives:

• Review the structure of the personal 1040 federal tax return, including key schedules and K-1 forms.

• Prepare a personal cash flow from information gleaned from the 1040 and related schedules.

• Examine recent tax code changes and their impact on individual borrowers and guarantors.

• Leverage personal tax return data to market the bank’s products and services.

Part Two Learning Objectives:

• Understand the structure of C corporation, S corporation, and partnership (LLC) tax returns.

• Analyze business tax returns and prepare cash flows for these entities.

• Identify red flags and potential fraud in business tax returns.

• Review tax code updates and proposed legislation impacting businesses.

Duration: 90 minutes

Who Should Attend: Commercial Lenders, Credit Analysts, Mortgage Lenders, Consumer Lenders, Loan Documentation Specialists, Branch Managers, Assistant Branch Managers, Private Bankers, Business Development Officers

Instructor(s): David Osburn, Osburn & Associates, LLC

Recorded: June 18, 2025.