Gardner Associates
The Company


Gardner Associates provides consulting to and the development and delivery of training to the financial services industry. The Company is committed to creating customized solutions for organizations seeking a competitive advantage in their markets.

Areas of expertise include commercial and corporate credit risk analysis and corporate finance. Gardner Associates develops and delivers both on-line and in-class training for its clients. The company’s clients include financial institutions, credit unions, and manufacturing corporations, as well as bank regulators.

Areas of expertise

Credit risk analysis and technical writing skills including:

• Qualitative business, industry and management evaluation

• Financial statement and ratio analysis 

• Cash flow analysis

• Forecasting and projections

• Loan and transaction structuring


Corporate finance topics include:

• Capital structure

• Valuation models

• Mergers and acquisitions