This Guide to Financial Reporting for Borrowers explores how to more efficiently report periodic information to lenders by using standardized schedules and tables rather than providing one-off verbal or written explanations of financial performance. These innovative techniques propose to create more uniform reporting across similar institutions. It also explains the reasons lenders need complete, timely, and accurate information-to properly assess the borrower's risk profile and ultimate loan structure. By following the items in this Guide, the borrower will be able to create transparency resulting in a stronger borrower-lender relationship.

Tom Gibbons has over thirty-five years of professional experience in banking and lending. He has worked for institutions including Citicorp, Standard Chartered Bank, and First Chicago. In 2004, he began to specialize in Not-For-Profit Life Plan Communities (previously called Continuing Care Retirement Communities) and other Not-For-Profit Senior Living and Healthcare Providers for a large regional bank in the midwest. He presently leads underwriting and portfolio management for this segment that operates nationwide in this sector. Mr. Gibbons earned his undergraduate degree in economics from Albion College and received his MBA from the Babcock Graduate School of Business Administration at Wake Forest University. Mr. Gibbons has been a banker and lender for many middle market and large corporate segments, including manufacturing businesses in the automotive, plastics, chemicals, metals, textiles, and food processing industries. In addition, he has experience lending to distributors and wholesalers, as well as a variety of service businesses in the healthcare, entertainment, and restaurant sectors. Mr. Gibbons has been a speaker and presenter at several industry conferences, including Ziegler Capital and LeadingAge. He can be reached at www.guidetoreporting.com.