Finance 101: Understanding Financial Statements 

Do you work for a non-profit organization or serve on their board and wish you better understood how to properly read and make sense of financial statements? This seminar will help you better understand not only how to read financial statements, but how to make sense of their contents and how they affect one another. You'll learn:

- Financial Statement Fundamentals
- The connections between income statements and a balance sheet
- How to monitor performance against budgets
- The importance of financial statement quality and results

About The Presenters:

Ryan Dunn                                                  Theresa Espinola                        David Brown     
Regional Commercial Lending Manger       Commercial Lending Officer         Commerical Lending Officer 
Enterprise Bank                                           Enterprise Bank                            Enterprise Bank

Ryan Dunn:
Ryan Dunn is a Regional Commercial Lending Manager at Enterprise Bank. His experience in Commercial Lending spans over 27 years, and specializes in Commercial Real Estate, C&I Lending, Small Business Administration Loan programs, Tax-Exempt Bonds and Affordable Housing financing. An active member of the non-profit community, Ryan currently serves as treasurer for The Trustees of Westford Academy, and is an active board member for The House of Hope in Lowell as well as on the Board of Governors for Lowell General Hospital. He is a former board member of Indian Hill Music School, which he now serves on multiple sub-committees.

Theresa Espinola:
Bringing over a decade of experience in Commericial Lending, Theresa specializes in Commercial Real Estate, C&I, Medical and Dental and Non-Profit lending as well as credit analysis and portfolio management. She currently serves as the Treasurer for the Francis W. Parker Charter School in Devens, and is both a Board Member and serves on the Endowment Board for the Rotary Club of Concord. She is the former treasurer of The Center for Hope & Healing in Lowell.

David Brown:
Upon graduation from the Isenberg School of Management at the University of Massachusetts Amherst, David joined Enterprise Bank as part of the Leadership Development Program. After successful completion of the program, David accepted the position of Commercial Lending Officer. With over a decade of experience in the industry, he specializes in C&I and CRE loans. David currently serves as the treasurer of UTEC, Inc. in Lowell.