Instructions Instructions: Read the scenario and access the data worksheet below. Review the rubric which provides some tips on how to organize your team process. Then, as if you were a member of a team, respond to the items below. Requirements: This part of the assessment represents the primary steps of understanding the nature of cash flows in a business. Year-to-year comparative balance sheets are used in the analysis. After review and analysis of the data, you will prepare a business memo to outline the sources or uses of specific account cash flows and how these outcomes support your reasoning for approving or denying the loan. The analysis is based upon year-to-year changes of these specific balance sheet sections: Accounts Receivable, Inventory, Accounts Payable, Wages Payable, Plant Property and Equipment, and Long-term Debt. You will: Analyze financial data and present the rationale for what your loan committee (you as a member of a team) wants to do on the loan renewal request, and submit supporting documents. Scenario: You are required to conduct an analysis of specific financial data of Bob Smith, Inc. Bob is an existing bank customer. When the loan to Bob was originally made in 2016, the bank required Bob to increase the YE 2016 cash balance to at least $70,000 to qualify for the interest rate that the bank used for the original loan. This cash balance was required for the bank to make its target yield on the loan created. The Cash Flow Statement and Balance Sheet show an actual YE 2017 cash balance of less than $34,000. You will need to complete the 2017 Cash Flow Statement. In addition, you will also prepare the “Common Sized Financial Statements” for the 2 years shown. This information allows you to substantiate the 2018 loan denial or renewal request. You are acting as the loan committee of the bank and you will address an internal memo to the loan officer in charge of this loan facility giving the committee’s decision on whether to approve the loan as is, renew the loan with modifications, or deny the loan request. Be sure you move away from definitions to analysis. Additionally, you do not need to give definitions of balance sheet accounts. The Balance Sheets and Cash Flow Statements provided in the data worksheet below will assist you in your analysis. From these documents, and from the ones you produced, discuss the following:  The operating cycle of the company The covenants within the CC&Rs that the company did not comply with. The Common Sized Financial Statement (CC&Rs) The Cash Flow Statement What did management do to fall short of the minimum cash requirements? Was the company’s failure to meet cash balance requirements a result of the company being unable to meet the requirement or because of management actions? What could be managements motivation for not complying with the loans CC&Rs? Where was the major portion of the company’s working capital used? What could management have done to comply with the CC&Rs they agreed to? Finally, what does your loan committee want to do about the renewal of this loan? In this area, you can: Renew the loan without changing the loan conditions. Renew the loan and modify the conditions to what is now required by the bank to receive loan approval. Decline the loan                  Remember that banks approve or deny loans based on the 5 Cs of credit, which are: Character Capacity Capital Collateral Conditions Consider these when deliberating what to do with this loan and include an overview of this discussion in the memo to the company’s loan officer.In your memo:  Include a strong thesis statement, introduction, and conclusion. The main points of the response should be developed and explained clearly in the memo with appropriate financial and accounting terminology. Support all arguments (no errors in logic) based upon the Statement of Cash Flows data. Exhibit strong higher-order critical thinking and include appropriate judgments, conclusions, and assessments based on the team’s analysis of the Balance Sheet and Statement of Cash Flows. Provide proper classifications, explanations, comparisons, and inferences based on the cash flow representations. Your submission should include recognition of accounts, and the team’s work should be reconciled back to the financial data provided. Prepare this part of the assessment in a memo format, in a minimum of two single-spaced pages, and using size 12-point font. You must also submit the cash flow statement, and the common sized financial statement. Access the CC&Rs Access the data worksheet Checklist:  In a Microsoft® Word® document address the following as if you were a member of a team (although you alone are responsible for the deliverable) based on the scenario provided above: -Provide the goals, resources, and timelines for the team project.-Explain the communication protocol for team members.-Explain how you resolved the problems Complete the memo; a minimum of 2 single-spaced pages, using 12-point font. As the loan officer, you must pass along the news in a business memo that is professional and written in an objective manner. Please use values in the memo whenever possible. Access the data worksheet and complete it. Using analysis of the data sheet, explain in your letter why you are approving the loan as is, renewing the loan with modifications, or denying the loan request Submit the three completed documents: (1) the Microsoft® Word® document explaining your team process, communication, and problem solving from bullet #1 (label as part a); (2) include the memo (label as part 2b) and (3) the data worksheet (label as part 2c) 

During this course, you will develop materials that support the human resource process from acquiring, developing, and leveraging on employee strengths. This project is broken into four separate assignments due in Topics 2, 3, 5, and 7. While you are only required to submit each assignment in its respective topic, you will submit a reflection assignment that provides a brief overview of the learning outcomes from your assignment feedback.In this assignment, you are conducting a needs assessment and developing two job descriptions for your current organization or a preapproved organization that you have access to interact with, in order to complete this assignment. If you are not currently in an organization, please inform your instructor of the organization you will use to complete this project. They must approve your selection prior to beginning your assignment and you must have the ability to observe employees and functions within that organization.Needs AssessmentObserve and assess the state of your current organization, or another pre-selected organization. A needs assessment is necessary to identify areas for potential growth, both at the employee and organizational level. If you are not in a position to look holistically at your organization, you can focus on a department or team within the organization. Use the "Needs Assessment Matrix" resource to complete your needs assessment. You are required to analyze required functions, department or employment needs, jobs or tasks, and current trainings in order to complete your matrix and prepare for the next part of this assignment.Job DescriptionsOnce your needs assessment is complete, you are required to select an existing position in your organization and develop a one-page detailed job description for that position that is informed by the findings of the needs assessment. It is recommended that you take the time to conduct a job analysis and observe current employees in the selected positions to accurately depict the knowledge, skills, abilities, and other characteristics that must be incorporated into the job description. If you are unable to observe, do your best to accurately depict the specific functions of the job. Incorporate any new job roles you feel should be added to the position based on your findings. Make sure the job description is based on the needs and available resources of the organization, and that it adheres to all applicable labor laws.Prepare this assignment according to the guidelines found in the APA Style Guide, located in the Student Success Center. An abstract is not required.This assignment uses a rubric. Please review the rubric prior to beginning the assignment to become familiar with the expectations for successful completion.