Introduction to Excel Formulas Excel formulas are essential for financial analysis, helping professionals perform calculations, analyze data, and generate insights with precision. A formula in Excel is an expression that computes values based on numbers, cell references, and operators, while functions—predefined formulas—simplify complex calculations like summing totals, finding averages, or analyzing trends. Understanding how to…
What are the Three Financial Statements? The three financial statements are (1) the income statement, (2) the balance sheet, and (3) the cash flow statement. Each of the financial statements provides important financial information for both internal and external stakeholders of a company. The income statement illustrates the profitability of a company under accrual accounting…
What is Financial Statement Analysis? Financial statement analysis is the process of evaluating a company’s financial health and performance by reviewing its financial statements, including the income statement, balance sheet, and cash flow statement. This analysis involves using various metrics and methods to assess profitability, liquidity, solvency, and efficiency, helping stakeholders make informed decisions about…
What is Commercial Lending Training? Commercial lending training provides an opportunity for loan officers and other credit professionals to build or upgrade their credit acumen. Commercial lending training runs the spectrum from beginner-level course work for aspiring commercial credit professionals (that want to be loan officers or other types of SME lenders), all the way…
What is a CEO (Chief Executive Officer)? A CEO (Chief Executive Officer) is the top-ranking individual employee within an organization. They are an employee in the sense that they work for the firm (as opposed to being elected by shareholders), but he or she is not a run-of-the-mill staff member; they have considerable responsibility and…
What is ESG? ESG is a framework that helps stakeholders understand how an organization is managing risks and opportunities related to environmental, social, and governance criteria (sometimes called ESG factors). ESG takes the holistic view that sustainability extends beyond just environmental issues. While the term ESG is often used in the context of investing, stakeholders…
What is the Best Time to Buy Cryptocurrency? There are many methods that equity investors use to decide when to execute a trade in the stock markets, but the same rules and trading patterns don’t always apply to cryptocurrency. It’s true that cryptocurrency buyers can make purchases within certain windows to get the best possible…
What is Cryptocurrency Portfolio Allocation? Modern portfolio theory teaches not to put all your investment eggs in one basket in order to diversify returns and weather the ups and downs in markets. While allocating a crypto portfolio shares similar principles to allocating a portfolio of more traditional assets like bonds, stocks, and real estate, there are…
Private Wealth Career Overview Private wealth management involves providing personalized investment advice to high net worth individuals (HNWIs — $1-10 million in investable assets) and ultra-high net worth individuals (UHNWIs — $10 million or more in investable assets). The goal of wealth management is to help clients achieve what their definition of financial security is…
What is a Material Adverse Change (MAC)? A material adverse change (MAC) is a significant change or effect that may negatively influence the outcome of an agreement. Buyers, sellers, and creditors use MAC clauses in merger and acquisition (M&A) or financing agreements to protect their rights. MACs are also known as material adverse effects (MAEs)….
