[et_pb_section fb_built=”1″ next_background_color=”#000000″ disabled_on=”on|on|off” admin_label=”Gallery” _builder_version=”4.27.4″ background_color=”#FFFFFF” background_enable_image=”off” background_size=”contain” background_position=”top_center” background_repeat=”repeat” min_height=”1392.8px” custom_margin=”20px||2px||false|false” custom_padding=”0px||0px||false|false” bottom_divider_style=”none” global_colors_info=”{}”][et_pb_row admin_label=”Timing and speaker” _builder_version=”4.25.2″ custom_padding=”0px|0px|0px|0px|false|false” border_color_all=”RGBA(255,255,255,0)” border_width_top=”1px” border_width_bottom=”1px” border_color_bottom=”#FFA500″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_font_size=”44px” global_colors_info=”{}”]
ROOM D Chicago | October 15 | Wednesday
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_4,3_4″ admin_label=”Timing and speaker” _builder_version=”4.27.4″ custom_padding=”15px|0px|25px|0px|false|false” border_color_all=”rgba(0,0,0,0)” border_width_top=”1px” border_width_bottom=”1px” border_color_bottom=”#FFA500″ global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https://conference.nacmconnect.org/wp-content/uploads/2025/07/curtis-litchfieldfinal.png” alt=”Curtis Litchfield headshot” title_text=”curtis-litchfieldfinal” url_new_window=”on” align=”center” module_class=”gal1″ _builder_version=”4.27.4″ _module_preset=”default” width=”100%” module_alignment=”right” custom_margin=”10px||||false|false” border_radii=”on|100%|100%|100%|100%” border_color_all=”#eb1c32″ border_style_all=”double” global_colors_info=”{}”][/et_pb_image][et_pb_text disabled_on=”on|on|on” module_class=”myhlink” _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#005696″ text_font_size=”25px” header_font_size=”29px” header_3_text_color=”#FFFFFF” header_3_font_size=”21px” use_background_color_gradient=”on” background_color_gradient_direction=”360deg” background_color_gradient_stops=”#ffa500 0%|#ffffff 100%” text_orientation=”center” width=”200px” module_alignment=”center” custom_margin=”-48px||||false|false” custom_padding=”15px||0px||false|false” link_option_url=”https://conference.nacmconnect.org/wp-content/uploads/2024/10/Litchfield_FSA1andFSA224.pdf” header_3_text_shadow_style=”preset1″ border_radii=”on|50px|50px|50px|50px” box_shadow_style=”preset1″ box_shadow_blur=”14px” box_shadow_spread=”-8px” disabled=”on” locked=”off” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color_gradient_stops__hover=”#d6b133 0%|#ffffff 100%” use_background_color_gradient__hover=”on” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_scale__hover=”108%|108%”]
HANDOUTS
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10:15 — 11:15 a.m. CT
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Financial Statement Analysis – Part 1
(In Person Only*)
Curtis Litchfield, CCE, Senior Credit Manager, Land O’Lakes/Purina
The analysis of financial statements consists of a mixture of steps and pieces that interrelate and affect each other. No single part of the analysis should be interpreted in isolation. The specific conclusions drawn will be affected by the original objective established at the initiation of the analytical process. Every aspect of a firm’s financial condition, operating performance, and outlook affects the market value of its shares.
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_4,3_4″ admin_label=”Timing and speaker” _builder_version=”4.27.4″ custom_padding=”15px|0px|25px|0px|false|false” border_color_all=”rgba(0,0,0,0)” border_width_top=”1px” border_width_bottom=”1px” border_color_bottom=”#FFA500″ global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https://conference.nacmconnect.org/wp-content/uploads/2025/07/curtis-litchfieldfinal.png” alt=”Curtis Litchfield headshot” title_text=”curtis-litchfieldfinal” url_new_window=”on” align=”center” module_class=”gal1″ _builder_version=”4.27.4″ _module_preset=”default” width=”100%” module_alignment=”right” custom_margin=”10px||||false|false” border_radii=”on|100%|100%|100%|100%” border_color_all=”#eb1c32″ border_style_all=”double” global_colors_info=”{}”][/et_pb_image][et_pb_text disabled_on=”on|on|on” module_class=”myhlink” _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#005696″ text_font_size=”25px” header_font_size=”29px” header_3_text_color=”#FFFFFF” header_3_font_size=”21px” use_background_color_gradient=”on” background_color_gradient_direction=”360deg” background_color_gradient_stops=”#ffa500 0%|#ffffff 100%” text_orientation=”center” width=”200px” module_alignment=”center” custom_margin=”-48px||||false|false” custom_padding=”15px||0px||false|false” link_option_url=”https://conference.nacmconnect.org/wp-content/uploads/2024/10/Litchfield_FSA1andFSA224.pdf” header_3_text_shadow_style=”preset1″ border_radii=”on|50px|50px|50px|50px” box_shadow_style=”preset1″ box_shadow_blur=”14px” box_shadow_spread=”-8px” disabled=”on” locked=”off” global_colors_info=”{}” background_color_gradient_stops__hover=”#d6b133 0%|#ffffff 100%” use_background_color_gradient__hover=”on” transform_styles__hover_enabled=”on|hover” background__hover_enabled=”on|hover” transform_scale__hover=”108%|108%” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop”]
HANDOUTS
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11:45 a.m. – 12:45 p.m. CT
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Financial Statement Analysis – Part 2
(In Person Only*)
Curtis Litchfield, CCE, Senior Credit Manager, Land O’Lakes/Purina
The analysis of financial statements consists of a mixture of steps and pieces that interrelate and affect each other. No single part of the analysis should be interpreted in isolation. The specific conclusions drawn will be affected by the original objective established at the initiation of the analytical process. Every aspect of a firm’s financial condition, operating performance, and outlook affects the market value of its shares. This session will bring light to the critical areas of analysis that are required in the credit risk assessment process and introduce the fundamentals of interpretation.
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_4,3_4″ admin_label=”Timing and speaker” _builder_version=”4.27.4″ custom_padding=”15px|0px|25px|0px|false|false” border_color_all=”rgba(0,0,0,0)” border_width_top=”1px” border_width_bottom=”1px” border_color_bottom=”#FFA500″ global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https://conference.nacmconnect.org/wp-content/uploads/2025/08/johnjaegerfinal.png” alt=”John Jaeger headshot” title_text=”johnjaegerfinal” url_new_window=”on” align=”center” module_class=”gal1″ _builder_version=”4.27.4″ _module_preset=”default” width=”100%” module_alignment=”right” custom_margin=”10px||||false|false” border_radii=”on|100%|100%|100%|100%” border_color_all=”#eb1c32″ border_style_all=”double” global_colors_info=”{}”][/et_pb_image][et_pb_text disabled_on=”on|on|on” module_class=”myhlink” _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#005696″ text_font_size=”25px” header_font_size=”29px” header_3_text_color=”#FFFFFF” header_3_font_size=”21px” use_background_color_gradient=”on” background_color_gradient_direction=”360deg” background_color_gradient_stops=”#ffa500 0%|#ffffff 100%” text_orientation=”center” width=”200px” module_alignment=”center” custom_margin=”-48px||||false|false” custom_padding=”15px||0px||false|false” link_option_url=”https://conference.nacmconnect.org/wp-content/uploads/2024/10/Jaeger_Cash-Flow-Conference-2024.pdf” header_3_text_shadow_style=”preset1″ border_radii=”on|50px|50px|50px|50px” box_shadow_style=”preset1″ box_shadow_blur=”14px” box_shadow_spread=”-8px” disabled=”on” locked=”off” global_colors_info=”{}” background_color_gradient_stops__hover=”#d6b133 0%|#ffffff 100%” use_background_color_gradient__hover=”on” transform_styles__hover_enabled=”on|hover” background__hover_enabled=”on|hover” transform_scale__hover=”108%|108%” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop”]
HANDOUTS
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1:30 – 3:00 p.m. CT
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Cash Flow Analysis
(In Person Only*)
John Jaeger, CCE
Interpretation of the cash flow statement begins with the interrelationships that exist between the balance sheet (investment and financing decisions) and the income statement (operating decisions). The results of a company’s current investment decisions are seen in two key operating assets: inventory and accounts receivable. Their levels represent both investment decisions and operating decisions by management.
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_4,3_4″ admin_label=”Timing and speaker” _builder_version=”4.27.4″ min_height=”362.3px” custom_margin=”0px|auto|0px|auto|false|false” custom_padding=”15px|0px|0px|0px|false|false” border_color_all=”rgba(0,0,0,0)” border_width_top=”1px” border_color_bottom=”#E02B20″ global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.4″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https://conference.nacmconnect.org/wp-content/uploads/2025/08/johnjaegerfinal.png” alt=”John Jaeger headshot” title_text=”johnjaegerfinal” url_new_window=”on” align=”center” module_class=”gal1″ _builder_version=”4.27.4″ _module_preset=”default” width=”100%” module_alignment=”right” custom_margin=”10px||||false|false” border_radii=”on|100%|100%|100%|100%” border_color_all=”#eb1c32″ border_style_all=”double” global_colors_info=”{}”][/et_pb_image][et_pb_text disabled_on=”on|on|on” module_class=”myhlink” _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#005696″ text_font_size=”25px” header_font_size=”29px” header_3_text_color=”#FFFFFF” header_3_font_size=”21px” use_background_color_gradient=”on” background_color_gradient_direction=”360deg” background_color_gradient_stops=”#ffa500 0%|#ffffff 100%” text_orientation=”center” width=”200px” module_alignment=”center” custom_margin=”-48px||||false|false” custom_padding=”15px||0px||false|false” link_option_url=”https://conference.nacmconnect.org/wp-content/uploads/2024/10/Case-Study_Game-Stop-2024.pdf” header_3_text_shadow_style=”preset1″ border_radii=”on|50px|50px|50px|50px” box_shadow_style=”preset1″ box_shadow_blur=”14px” box_shadow_spread=”-8px” disabled=”on” locked=”off” global_colors_info=”{}” background_color_gradient_stops__hover=”#d6b133 0%|#ffffff 100%” use_background_color_gradient__hover=”on” transform_styles__hover_enabled=”on|hover” background__hover_enabled=”on|hover” transform_scale__hover=”108%|108%” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop”]
HANDOUTS
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3:30 – 4:30 p.m. CT
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Case Study
(In Person Only*)
John Jaeger, CCE
This session will walk through the financial analysis of a real company using the tools incorporated from prior presentations. Common sizing, trend analysis, and ratio analysis will be performed to determine the company’s performance, in addition to reviewing the Z-score methodology as a means of confirming results sizing, trend analysis, and ratio analysis will be performed to determine the company’s performance.
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*These sessions will not be recorded and will only be available in-person.
[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section fb_built=”1″ next_background_color=”#ffffff” disabled_on=”off|off|on” admin_label=”Gallery” _builder_version=”4.27.0″ background_color=”#FFFFFF” background_enable_image=”off” background_size=”contain” background_position=”top_center” background_repeat=”repeat” min_height=”1392.8px” custom_margin=”0px||2px||false|false” custom_padding=”0px||0px||false|false” bottom_divider_style=”none” global_colors_info=”{}”][et_pb_row admin_label=”Timing and speaker” _builder_version=”4.25.2″ custom_padding=”0px|0px|0px|0px|false|false” border_color_all=”RGBA(255,255,255,0)” border_width_top=”1px” border_width_bottom=”1px” border_color_bottom=”#FFA500″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]
ROOM D Chicago
| October 15 | Wednesday
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row admin_label=”Timing and speaker” _builder_version=”4.27.0″ custom_padding=”15px|0px|17px|0px|false|false” border_color_all=”rgba(0,0,0,0)” border_width_top=”1px” border_width_bottom=”1px” border_color_bottom=”#FFA500″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https://conference.nacmconnect.org/wp-content/uploads/2025/07/curtis-litchfieldfinal.png” alt=”Curtis Litchfield headshot” title_text=”curtis-litchfieldfinal” url_new_window=”on” align=”center” module_class=”gal1″ _builder_version=”4.27.4″ _module_preset=”default” width=”100%” module_alignment=”right” custom_margin=”12px||||false|false” border_radii=”on|100%|100%|100%|100%” border_color_all=”#eb1c32″ border_style_all=”double” global_colors_info=”{}”][/et_pb_image][et_pb_text disabled_on=”on|on|on” module_class=”myhlink” _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#005696″ text_font_size=”25px” header_font_size=”29px” header_3_text_color=”#FFFFFF” header_3_font_size=”21px” use_background_color_gradient=”on” background_color_gradient_direction=”360deg” background_color_gradient_stops=”#ffa500 0%|#ffffff 100%” text_orientation=”center” width=”200px” module_alignment=”center” custom_margin=”0px||||false|false” custom_padding=”15px||0px||false|false” link_option_url=”https://conference.nacmconnect.org/wp-content/uploads/2024/10/Litchfield_FSA1andFSA224.pdf” header_3_text_shadow_style=”preset1″ border_radii=”on|50px|50px|50px|50px” box_shadow_style=”preset1″ box_shadow_blur=”14px” box_shadow_spread=”-8px” disabled=”on” locked=”off” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color_gradient_stops__hover=”#d6b133 0%|#ffffff 100%” use_background_color_gradient__hover=”on” transform_styles__hover_enabled=”on|hover” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop” transform_scale__hover=”108%|108%”]
HANDOUTS
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10:15 — 11:15 a.m. CT
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Financial Statement Analysis – Part 1
(In Person Only*)
Curtis Litchfield, CCE, Senior Credit Manager, Land O’Lakes/Purina
The analysis of financial statements consists of a mixture of steps and pieces that interrelate and affect each other. No single part of the analysis should be interpreted in isolation. The specific conclusions drawn will be affected by the original objective established at the initiation of the analytical process. Every aspect of a firm’s financial condition, operating performance, and outlook affects the market value of its shares.
[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row admin_label=”Timing and speaker” _builder_version=”4.27.0″ custom_padding=”15px|0px|3px|0px|false|false” border_color_all=”rgba(0,0,0,0)” border_width_top=”1px” border_width_bottom=”1px” border_color_bottom=”#FFA500″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https://conference.nacmconnect.org/wp-content/uploads/2025/07/curtis-litchfieldfinal.png” alt=”Curtis Litchfield headshot” title_text=”curtis-litchfieldfinal” url_new_window=”on” align=”center” module_class=”gal1″ _builder_version=”4.27.4″ _module_preset=”default” width=”100%” module_alignment=”right” custom_margin=”12px||||false|false” border_radii=”on|100%|100%|100%|100%” border_color_all=”#eb1c32″ border_style_all=”double” global_colors_info=”{}”][/et_pb_image][et_pb_text disabled_on=”on|on|on” module_class=”myhlink” _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#005696″ text_font_size=”25px” header_font_size=”29px” header_3_text_color=”#FFFFFF” header_3_font_size=”21px” use_background_color_gradient=”on” background_color_gradient_direction=”360deg” background_color_gradient_stops=”#ffa500 0%|#ffffff 100%” text_orientation=”center” width=”200px” module_alignment=”center” custom_margin=”0px||||false|false” custom_padding=”15px||0px||false|false” link_option_url=”https://conference.nacmconnect.org/wp-content/uploads/2024/10/Litchfield_FSA1andFSA224.pdf” header_3_text_shadow_style=”preset1″ border_radii=”on|50px|50px|50px|50px” box_shadow_style=”preset1″ box_shadow_blur=”14px” box_shadow_spread=”-8px” disabled=”on” locked=”off” global_colors_info=”{}” background_color_gradient_stops__hover=”#d6b133 0%|#ffffff 100%” use_background_color_gradient__hover=”on” transform_styles__hover_enabled=”on|hover” background__hover_enabled=”on|hover” transform_scale__hover=”108%|108%” transform_scale__hover_enabled=”on|hover” transform_translate__hover_enabled=”on|desktop” transform_rotate__hover_enabled=”on|desktop” transform_skew__hover_enabled=”on|desktop” transform_origin__hover_enabled=”on|desktop”]
HANDOUTS
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11:45 a.m. – 12:45 p.m. CT
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Financial Statement Analysis – Part 2
(In Person Only*)
Curtis Litchfield, CCE, Senior Credit Manager, Land O’Lakes/Purina
The analysis of financial statements consists of a mixture of steps and pieces that interrelate and affect each other. No single part of the analysis should be interpreted in isolation. The specific conclusions drawn will be affected by the original objective established at the initiation of the analytical process. Every aspect of a firm’s financial condition, operating performance, and outlook affects the market value of its shares. This session will bring light to the critical areas of analysis that are required in the credit risk assessment process and introduce the fundamentals of interpretation.
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HANDOUTS
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1:30 – 3:00 p.m. CT
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Cash Flow Analysis
(In Person Only*)
John Jaeger, CCE
Interpretation of the cash flow statement begins with the interrelationships that exist between the balance sheet (investment and financing decisions) and the income statement (operating decisions). The results of a company’s current investment decisions are seen in two key operating assets: inventory and accounts receivable. Their levels represent both investment decisions and operating decisions by management.
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HANDOUTS
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3:30 – 4:30 p.m. CT
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Case Study
(In Person Only*)
John Jaeger, CCE
This session will walk through the financial analysis of a real company using the tools incorporated from prior presentations. Common sizing, trend analysis, and ratio analysis will be performed to determine the company’s performance, in addition to reviewing the Z-score methodology as a means of confirming results sizing, trend analysis, and ratio analysis will be performed to determine the company’s performance.
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*These sessions will not be recorded and will only be available in-person.
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