Risk Management Association workshop highlights. •Fundamental analysis of balance sheets and income statements •Assessing the risks in the balance sheet and income statements •Common balance sheet and income statement analysis errors and omissions •How to address the balance sheet and income statement risk •How to effectively use loan covenants as a risk mitigating tool •Goal of maintaining the levels of risk •Understanding the power of "Why?" •Case studies to illustrate concepts This workshop qualifies for 3.5 CRC CEUs.