2019 Playback Library

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The 5 Cs of Credit

The 5 Cs of Credit teaches bankers that a borrower’s repayment ability depends on capacity, collateral, capital, conditions, and character. The first four measure ability to repay, but character assesses willingness to repay. Both know your client- and fraud prevention have become more critical in mitigating credit and operational risk. This webinar summarizes key elements of knowing the customers and identifies red flags.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Credit Analyst, Business Development Officer

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The Basics of Commercial Lending

This webinar will introduce participants to the entire process involved in commercial lending. The presentation will cover topics such as investigating a new borrower, the basics of credit analysis, managing a loan after approval, basic documents, and identifying why borrowers need money, and how to structure loans to match their needs.

Who Should Attend: Commercial Loan Officer, Commercial Credit Coordinator, Commercial Relationship Manager, Junior Loan Officer, Branch Manager

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CRE Multifamily Lending

Multifamily lending is in high demand today. This webinar will expose participants to all aspects of multifamily lending. Important issues will be covered in relation to physical property, how property values are derived, and what influences values. Additionally, a discussion will cover how multifamily loans are underwritten and how to monitor a CRE loan over its life.

Who Should Attend: Officer, Loan Officer, Junior Loan Officer, Credit Analyst, Underwriter

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FASB Accounting Standard Updates – Key Standards Applicable to FIs in 2019 and Beyond

Staying at the forefront of the FASB’s upcoming accounting standards may feel overwhelming and challenging. There are three significant standards coming one after another that include revenue recognition, accounting for leases, followed up by credit losses on financial instruments. This webinar will focus on recognition and measurement, financial statement impact, and effective dates of these upcoming accounting standards.

Who Should Attend: Chief Financial Officer, VP of Finance and Accounting, Controller, Senior Financial Specialist, Compliance Officer, Auditor

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The Anatomy of a Bank Acquisition Transaction

The current environment will present many community banks the opportunity to evaluate some type of merger or acquisition transaction. Some community banks have seasoned veterans that have been through this process a number of times; however, most community bank officers and directors have never been through an actual acquisition transaction. This presentation will prepare community bank officers and directors for a potential merger or acquisition by presenting a step-by-step overview of the merger and acquisition process from beginning to end. 

Who Should Attend: Chairman, Director, Bank Counsel, Chief Executive Officer, Chief Operating Officer, Chief Compliance Officer, Executive Vice President

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Pipeline Builder Series: Taking a Formulaic Approach To Relationship Management in 2019

Consider that a business development formula exists that will ensure, with a high degree of predictability, that an institutions relationship managers and lenders will meet and exceed sales goals regardless of interest rates, market conditions or competitive forces. This webinar is designed to explain the process and provide a powerful tool to help commercial bankers to become more productive in 2019.

Who Should Attend: Business Development Officer, Commercial Loan Officer, Junior Loan Officer, Branch Manager

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Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly!

Many financial professionals use financial ratios on a regular basis. But do they always use the same ratios and, more importantly, do they always interpret the ratios in the same manner? Attend this proactive webinar and discover a five-step analysis plan which includes liquidity, activity, leverage, operating performance, and cash flow analysis which will clarify and unify this often confusing financial subject. The presentation will also include a case study and a review of spreading a financial statement using the Moody’s Risk Analyst software in order to analyze key ratios.

Who Should Attend: Officer, Loan Officer, Junior Loan Officer, Credit Analyst, Underwriter

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2019 California Employment Law Update

Don’t miss this up-to-the-minute information on the ever-changing regulations governing California HR, with time to make preparations for the new year. Topic will include: new legislation and major changes driven by the #MeToo movement; wage and hour developments; minimum wage increases; the Dynamex Decision and impact on independent contractors; discrimination in the workplace; and new decisions by the NLRB. 

Who Should Attend: HR Director, HR Manager, HR Specialist, Branch Manager, Hiring Manager

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Commercial Loan Structuring

Borrowers borrow money to solve problems that are either good or bad. In this webinar, examine the importance of appropriate commercial loan structures and their influence on timely repayment. The discussion will include identifying cause-and-effect, matching purpose to repayment source, and ways to reduce risk.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Commercial Credit Coordinator, Business Development Officer

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Pipeline Builder Series: Red Ocean vs Blue Ocean Marketing Strategies

Referred to as “red ocean” sales opportunities, traditional COIs refer bankers to deals where typically three to six other banks are bidding for the business. These deals are often marginally profitable due to heavy competition. The best time to begin to develop a relationship with a prospective commercial customer is when they don’t need financing or aren’t looking to switch banks (referred to as blue ocean sales opportunities). In this webinar, learn how blue ocean sales strategies can help commercial bankers close business with stronger margins and fee income.

Who Should Attend: Business Development Officer, Commercial Loan Officer, Junior Loan Officer, Branch Manager

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Community Bank Strategic Planning Simplified

Community bank strategic planning is a commonly misunderstood aspect of appropriate corporate governance. Many directors think strategic planning to be boring, unproductive, or painful; however, an appropriate strategic planning process is none of these. Strategic planning should be engaging for the participants and should provide big-picture action items and accountability for the organization.  This webinar will provide a practical guide to community bank strategic planning.

Who Should Attend: Chief Executive Officer, Chief Operations Officer, Executive Vice President, Director

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Identity Theft Red Flags

Astonishingly, 16.7 million US consumers were victims of identity theft as of 2017, a rise of 8% from the previous year. In this webinar, discover how to identify red flags using an ID theft/red flags program and risk assessment. Develop insight into not only detecting red flags, but also identifying covered accounts that may be affected by ID theft. In addition, discuss appropriate responses to an ID theft event, and receive a summary of different elements to support an effective ID theft program.

Who Should Attend: Chief Risk Officer, Risk Manager, Fraud Manager, Card Fraud Specialist, Operations Administrator, Operations Manager, Branch Manager

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Macro and Micro Musings on the U.S. Economy

Recent analysis speaks to the role that loan maturity plays in the prices consumers pay for automobiles. This webinar will take a look at how these microeconomic insights, coupled with an understanding of the macroeconomic landscape, produce valuable content for lending institutions. The presenter’s firm frequently produces research that provides new insights into credit markets. These discoveries illuminate the economics of credit markets along dimensions that can influence credit decisions in meaningful ways. 

Who Should Attend: Senior Loan Officer, Consumer Loan Officer, Mortgage Loan Officer, Junior Loan Officer, Credit Analyst

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Facing the Liquidity Challenge Head On – Key Steps To Strengthen Your Liquidity Management Process With A Renewed Regulatory Focus

Loan growth is outpacing deposit growth, and loans are becoming a higher percentage of total assets. Wholesale funding levels are increasing and the potential for deposit attrition continues to grow. Undeniably, liquidity is under pressure. This webinar will address the changing liquidity landscape in the industry, and what every bank should be doing to develop a “best practice” approach in liquidity management – regardless of the levels of liquidity a bank may have today.

Who Should Attend: Chief Financial Officer, VP of Finance & Accounting, Controller, Senior Financial Specialist, Asset Liability Manager, Chief Risk Officer,  ALCO Committee Member

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Saying Goodbye to LIBOR – Preparing for the SOFR Transition

LIBOR is being replaced as a primary benchmark index and the transition away poses risks and challenges to financial institutions. In this webinar, learn why LIBOR is being replaced, the impact of the replacement, and transition implementation tips. The transition from LIBOR is already in process and financial institutions should begin preparing for the transition’s impact, risks, and challenges.

Who Should Attend: Chief Executive Officer, Chief Credit Officer, Chief Financial Officer, Chief Lending Officer, Chief Risk Officer, Chief Compliance Officer

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Lenders, Don’t Get Burned Twice: Consequences of the Full Credit Bid Rule in Light of the California Wildfires

Over the course of two years, California has been devastated by wildfires. While foreclosures may be temporarily on hold, lenders will eventually be forced to complete many foreclosures. This webinar will discuss the strategy behind bidding at those foreclosure sales and the potentially devastating consequences of the Full Credit Bid Rule. Join fellow lenders to understand how the credit bid at the foreclosure sale could negatively affect the ability to recover insurance proceeds. 

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Mortgage Loan Officer, Junior Loan Officer

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Working with Political Subdivisions: Banking and Funding

Political subdivisions can add value though banking services and as a stable source of funding throughout various economic cycles, however, it is key to understand how they work. In this session, community bank leaders will learn to identify reasonable services that political subdivisions would look to utilize based on their size and ability. In addition, attendees will develop an understanding of the political subdivision’s investment policy in order to implement an approach to influence their deposit decision. 

Who Should Attend: Chief Executive Officer, Chief Financial Officer, Vice President of Finance & Accounting, Senior Financial Specialist, Controller

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The Time Has Come For Action! Position Your Bank to Benefit From the Challenges of This Rate Environment

Short-term rates continue to rise and with that comes increased pressure on deposit product and pricing strategies, yet time and expertise are the biggest deterrents for banks to bring asset liability management (ALM) to the forefront of discussions. They know it’s important and will often times look to articles or social media to find recommendations and “quick fixes” to help; however, what’s good for the bank across the street may not fit all banks. In this session, gain insight into improved ALCO processes and take a deep dive into current and projected rate environment.

Who Should Attend: Chief Executive Officer, Chief Financial Officer, Chief Risk Officer, Chief Compliance Officer​

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How Banks Can Build a Winning Cybersecurity Program

As cybersecurity continues its reign as a major focus for federal and state bank regulators, the challenge to remain compliant while managing an evolving threat landscape continues for banks. This webinar will discuss how banks can build and maintain a successful cybersecurity governance, risk, and compliance program, as well as what to consider in a managed security services provider. Identify critical steps, including establishing a senior staff position responsible for cybersecurity risk management, conducting a business and mission impact analyses, adopting a risk management framework and program, selecting a portfolio of technologies and processes to secure information and information systems, and finally, maintaining continuous diagnostics and mitigation.

Who Should Attend: Chief Information Officer, Chief Information Security Officer, Chief Compliance Officer, Chief Risk Officer, Vendor Management Officer, Technology Risk Officer​

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Why EBITDA Doesn’t Spell Cash Flow & What Does

EBITDA is a non-GAAP indicator of cash flow widely used by market analysts and bankers, but it is a poor measure of cash flow repayment ability. This webinar explains why EBITDA fails to measure cash flow accurately and offers some better measures.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Credit Analyst, Business Development Officer