2020 Playback Library

IT, Technology, & Operations

Transforming Culture for Digital Transformation

In banking, one of the biggest roadblocks to successful digital transformation is culture. The best strategies and newest technologies will fail if they conflict with how individuals or groups already believe or behave. Culture change requires intense effort and is often the most challenging part of digital transformation; but successful companies are meeting the challenge by enhancing cultural characteristics that support success in digital space. This session will share a framework for creating and cultivating a culture that both understands and advances digital transformation. 
 

Who Should Attend: Retail Bankers, Marketing Executives, CAOs, COOs, Operations Executive, Innovation Officers

IT, Technology, & Operations

The Moment of Truth for Retail Banking

Digital disruption of financial services has been debated in articles, podcasts and research studies for years. Yet many community banks are just waking up to the realities of the digital age.  In fact, for many senior management teams and boards, the wake-up call has been followed by sheer panic. Executives are now discovering they have arrived at a moment of truth – and they need to act quickly. 

This thought-provoking and forward-looking presentation will examine trends dealing with: 
•    Consumer behavior
•    Technology
•    Retail delivery
•    The workforce

Who Should Attend: COOs, CAOs, Operations Executives, Retail Bankers, Branch Managers

Credit & Lending

Customer Profitability Post-Pandemic

The announcement of a vaccine brings us closer to the end of the pandemic, but ramifications from COVID-19 and government actions continue to impact profitability. Join PCBB and WBA for an upcoming webinar where we will discuss this, identify data mining strategies to strengthen relationships and identify profitable customers.

Who Should Attend: President and CEOs, Board Members, Business Development Executives, Chief Credit Officers, Retail Bank Executives, Lending Officers

Credit & Lending

Rate Lock Strategies for a Low Rate Economy/Environment

A discussion on how forward rate locks can benefit both the institution and the borrower. Explore strategies for construction-to-perm rate locks, recession hedge trades and fixing future loan resets to strengthen relationships and help your institution retain business through a low interest rate economy.

Who Should Attend: Chief Lending Officers, All Lending Professionals, Finance and Accounting Executives, Risk Officers

IT, Technology, & Operations

Repurposing the Branch

Most bankers recognize that the purpose of branches is changing. Branch networks must evolve to incorporate new technologies and align with new consumer behaviors for the institution to remain relevant and profitable. But there is no “one-size-fits-all” branch transformation strategy and solutions are no longer limited to consolidate or close.
In fact, some institutions are finding innovative ways to use their real estate.
How do community banks and credit unions decide what changes to make to their branches in order to achieve the greatest result? What alternatives to the traditional branch are creating an experience that matters to customers? This session will provide a framework for making the tough decisions about branch transformation and explore the variables that should shape a community bank or credit union’s branch transformation strategy. 

Who Should Attend: Retail Bankers, Branch Managers, COOs, and Operations Executives

Credit & Lending

How to Prepare a Monthly Cash Flow Projection for Seasonal Borrowing

One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay its short-term borrowings based on the financial information available. First, the session will explain the interrelationships among revenue projections, the expenses needed to support seasonal sales growth as well as the working capital assets, fixed assets, and liabilities necessary to support revenue growth. Second, the session will offer tips on how to analyzing underlying assumptions such as profitability, productivity, efficiency, and earnings retention. Join Dev Strischek in this critical lending webinar as he shows how to use a borrower’s historic financials to project monthly balance sheet, income statement, and cash flows over the borrower’s fiscal year and seasonal expansion and contraction.

Who Should Attend: Credit Professionals, Risk Managers, Enterprise Risk Managers, Chief Credit Officers, Relationship Managers and Lending Officers, Senior Lending Officer, Bank Director, Chief Executive Officer and Bank President, Board of Directors and BOD Chairman

IT, Technology, & Operations

King of the Hill: Mobile App Edition – See How the Hottest Mobile Banking Apps Advise & Educate Consumers While Siphoning Deposits from Your Financial Institution

Right now, fintech disruptors are helping tech-savvy consumers reimagine banking tasks while enticing them with new places to keep their funds — instead of a checking account at your financial institution. The secret to improving your future deposit growth lies in understanding the changing role of banking products in the financial lives of today’s consumers. In this session, Dave will dive into ongoing research that explains these trends — including which mobile features matter most to each generation, from millennials to baby boomers.

Who Should Attend: CIOs, Technology Officers, Retail Bank Executives, Operations Executives

Marketing & Sales

Preparing for Marketing Success in a Post COVID-19 World

The COVID-19 pandemic crisis has disrupted the economy, threatened people’s physical health and financial livelihoods and upended their plans for the future. Fear of getting sick and overall uncertainty has elevated consumer anxiety and money concerns.  Customers need fewer buzz phrases and product promotions and more empathic listening, solutions, flexibility and hope. These are the criteria for financial marketing success going forward – and they existed long before the pandemic even started.

Who Should Attend: Marketing Executives

Legal & Regulatory Compliance

Litigation Considerations for Benefits Counsel

In this webinar, we will discuss current litigation issues about which all benefits counsel should be aware, including:

  • The use and enforceability of exclusive venue provisions in Plan documents.
  • The pros and cons of including arbitration provisions and class action waivers in Plan documents or separate agreements.
  • Drafting considerations for venue provisions, arbitration clauses, and class action waivers.
  • The DOL’s current stance on indemnification agreements for fiduciaries, especially in the context of ESOP-owned companies.

    Who Should Attend: HR/Benefits Specialists, Legal Counsel
IT, Technology, & Operations

Banking Digital Transformation: Stockman’s Journey from Brittle Architecture to a Platform for Innovation

Community financial institutions (CFIs) are urgently racing to become innovation shops that can deliver new products and services to the market quickly and frequently. In this Webinar, Kevin Guenthner, CIO of Stockman Bank, discusses the strategies he has successfully applied to deliver digital transformation to financial institutions. Many CFIs struggle to accomplish this when hobbled by legacy architecture and technology, but Kevin will help you understand how to attack that problem head on and how to win. 

Who Should Attend: CIOs, CTOs, Technology Officers, Innovation Officer, Customer Engagement Executives 

IT, Technology, & Operations

ESOPs 101: How ESOPs Work & How They Can Benefit You and Your Company

In this webinar, we will discuss what an employee stock ownership plan (“ESOP”) is and how an ESOP can benefit business owners, companies and employees.  The presentation is a general overview, with an emphasis on helping the business, finance and private wealth professionals come away with a basic understanding of ESOPs as a potential option for business transition.

Topics covered will be:
• What is an ESOP
• The basics about how an ESOP operates
• What types of companies are good ESOP candidates
• How an ESOP can be used to help a company effect a liquidity event for the owners, on a tax advantaged basis

Who Should Attend: Finance Executives, Benefits/Compensation Specialists, Business Development and Relationship Managers

Credit & Lending

Balance Sheet Strategies During a Black Swan Event-the Covid-19 Pandemic

COVID-19 was a black swan event that hit hard and fast and caught the world off guard and served as a nightmarish wakeup call for every ALCO. COVID-19 has likely changed the banking industry “forever” and redefined best practices for prudent balance sheet management activities and processes. The Best Antidote for Balance Sheet Management: ALCO processes that create clarity, enable effective challenge, and facilitate focused and persistent conversations on business issues that truly matter. While there is no one-size-fits-all cure – an effective ALM process will make a real difference. Frank Farone will share crucial balance sheet risk management lessons from this unfortunate pandemic and present important considerations and suggestions for lending, deposit, and investment strategies, as well as overall balance sheet risk management strategies (including interest rate risk, liquidity, and credit/capital management).

Credit & Lending

Managing the Transition from LIBOR to SOFR

LIBOR is scheduled to sunset at the end of 2021. This change will impact nearly every bank in the U.S. as many loans and securities, as well as derivative contracts, are indexed to LIBOR. This session will introduce the alternative index proposed as the replacement rate, the Secured Overnight Financing Rate (SOFR). In addition, we will discuss the potential benefits and considerations of using SOFR. We will then cover what financial institutions have been doing with loan and derivative contracts to prepare for the market change. Finally, we will present what developments Chatham is seeing in the market.

Who Should Attend: CEO, CFO, Treasury, Lending, Credit, Legal, Compliance

Marketing & Sales

Right-Sized Marketing Strategies That Match Your Data Analytics and Budget

Gaining a firm handle on data will give cause to adding and targeting the right media to the right market based at the right budget. Whether managing through a lot of data or a little data, obtain key tips to help master strategies that take you forward. For example, direct mail is one of the most effective marketing mechanisms. However, due to price, it should be shared with only your best prospects. Finding the right affordable marketing mix and taking action on your data is key to driving consistent results.

Who Should Attend: Chief Marketing Officers, Marketing Specialists, Communications Professionals

Credit & Lending

Avoiding Pitfalls Associated with Collecting Rents, Seeking a Deficiency Judgment and the One-Action Rule

With loan default inevitably on the rise, lenders need to understand the risks and rewards associated with collecting rents, judicially foreclosing and avoiding costly violations of California’s One-Action Rule.  In this webinar, attendees will explore each of these available remedies that will provide the tools necessary to decide which route to take while being walked through the process. Participants will leave the session with a firm understanding of their options when a loan goes into default.

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

Legal & Regulatory Compliance

Effective September 1, 2020, How Does California’s AB 3088 Impact Your Loan Servicing?

On September 1, 2020, California passed AB 3088, which significantly impacts the servicing of residential loans in California.  AB 3088 expands California’s Homeowner Bill of Rights (HOBR) to loans secured by certain multi-family properties.  In addition, it creates an entirely new set of rules for responding to a borrower’s forbearance request  on certain residential property.  If you service even one residential loan in California, you must we aware of these new laws.

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

Credit & Lending

Credit Risk Management – Tools & Techniques

As the business cycle peaks with growing concern from the market and the regulatory agencies, credit risk management becomes all the more critical to the success of the organization in a period of heavy competition and loosening underwriting standards.  This session will explain the interdependence of successful credit risk management and credit culture and how to keep the two calibrated and connected.

Who Should Attend: Credit Professionals, Risk Professionals, Chief Credit Officers, Relationship Managers and Lending Officers, Senior Lending Officer, Bank Director, Chief Executive Officer and Bank President, Board of Directors and BOD Chairman

Credit & Lending

Credit Stress Testing During a Pandemic

Every sector of the United States economy is feeling the impact of the novel coronavirus. From corporate America to the service industry, the wealthy, middle class, and lower income – the everyday life of everyday Americans has been disrupted, leading bankers to justifiably question the future health of their loan portfolios. Can they withstand a potentially prolonged period of financial stress?  While there are no credit vaccines to prevent a recession/credit downturn cycle, there are ways that risk managers can measure the vulnerability of their institution and check the temperature of their capital. Stress testing, especially credit stress testing, has been used by financial institutions to determine the financial health of their books.  In this webinar, we will discuss the relationship between credit losses and macro-economic variables over the past several decades (which includes several credit events like the Great Recession) – and how this relationship should be applied to the current pandemic that our economy faces. We will discuss the impact to capital levels, in various stress scenarios (from the Fed’s Adverse to DCG’s pandemic scenario) and implementing loss curves into the capital plan.

Who Should Attend: Chief Credit Officers, Risk Officers, CFOs, Other Finance, Risk, Credit Professionals

Human Resources & Staff Training

Developing a Leadership vs. “Managership” Approach

This seminar will provide the banker with a thorough understanding of the discipline of leadership versus “managership.” The seminar will highlight the importance of sound leadership within the banking organization. A strong emphasis will be placed on the difference between a leader and a manager. Various “leadership techniques” will be displayed including how to deal with diversity in the workforce created by gender, generations, and ethnicity. Additionally, the trait, skills, and style approach of leadership will be reviewed along with psychodynamic leadership theory, strategic leadership concepts, and leadership in ethics principles. The leadership principles in the seminar will be illustrated through case studies.

Who Should Attend: C-Suite Executives, Branch Managers, Retail Managers

IT, Technology, & Operations

Learn How PowerBI is Changing the Reporting Landscape in Banking. The Tool You Probably Already Own and Don’t Even Know It!

PowerBI is quickly becoming the banking industry’s top data analytics tool, delivering business intelligence results at lighting speeds. In this webinar, Reliable IT’s PowerBI experts explain how this application is disrupting the banking industry by providing cutting edge, user-friendly, data analysis in a fraction of the time. Data is everything to banks, whether it be forecasts, securities, margins—PowerBI delivers that data meaningfully and in real-time so banks can make important decisions today and not next month.

Who Should Attend: Chief Information Officers, IT Professionals, Operations Specialists

Credit & Lending

Credit Administration Toolbox – Tools and Techniques for Keeping Your Credit Administration Tuned and Ready to Go

The market and the regulatory community pay close attention to a financial organization’s credit culture because a strong credit culture is critical to the success of credit risk management and administration.  This webinar offers some tools and techniques to help credit administrators support their organizations’ credit risk goals and objectives.  These tools and techniques offer an expedient way to test the quality of credit risk management and also serve as techniques for remediating and improving credit culture and credit risk management.

Who Should Attend: Credit Professionals, Risk Managers, Enterprise Risk Managers, Chief Credit Officers, Relationship Managers and Lending Officers, Senior Lending Officer, Bank Director, Chief Executive Officer and Bank President, Board of Directors and BOD Chairman

Marketing & Sales

Marketing the Bank in Today’s Competitive Economy

In today’s “competitive” economy, how do you market your bank, how do you market your department, how do you market yourself? This session will provide the participant with a strong understanding of the marketing concept as well as practical applications in the real world of marketing “bank products and services.” Upon completion of the session, the participant will have a good feel for the target market, the four (4) P’s of marketing, the industry life-cycle, and market structure and how these apply to marketing the bank, your department, and yourself.

Who Should Attend: Marketing Analyst, Marketing Strategist, Brand Strategist

Finance & Accounting

Keeping Track of Your Critical Vendor Contract Milestones

Across industries, 60 percent of supplier contracts automatically renew without agreement of the buyer.  Within banking, automatic renewal of a high value critical vendor contract can result in additional expenses of $500,000 or more depending on contract language, market pricing and the resulting decrease in negotiating leverage.  In this webinar, information on best practices in vendor contract management, impacts from poor vendor management practices and options for automating critical vendor management functions will be provided. At the end of this session, each participant will have actionable options for addressing these issues in their financial institution.

Who Should Attend: CFOs, Financial Officers, Vendor Management/IT Professionals

Finance & Accounting

Managing Liquidity through a Crisis: This Is NOT a Drill – Key Action Items for Today’s Uncertain Times

While the duration of the current pandemic and resulting downturn is uncertain, it has become clear that capital in the banking industry is going to be challenged from lower earnings and elevated credit-related costs. Earnings and capital deterioration go hand in hand with liquidity stress and, as such, you must be operating from a position of strength from a liquidity perspective. Liquidity is the lifeblood of every financial institution, and history has proven that in times of extreme stress and recessionary conditions, liquidity is the critical component that ultimately determines outcomes – and even survival.  Appropriate policy flexibility, institution-specific risk monitoring/stress scenarios, and diversification of liquidity sources are critical. To successfully navigate this economic turbulence, institutions must ensure their contingency funding plan is up to date and that key personnel know their roles and responsibilities – this is not a drill!

Who Should Attend: CFOs, CEOs, CPAs, Controllers, Investment Officers, Treasurers, and Senior Bank Management

Credit & Lending

How to Implement and Maintain Your Credit Policies

Right or wrong, credit policy is the organization’s rule book for its credit risk management strategy, and it also reflects the organization’s credit culture. Both the market and the regulatory agencies expect the credit policy to be accurate, current, and succinct so that both line and credit have unambiguous and clear direction on how to identify, evaluate, underwrite, approve, book and monitor creditworthy clients.

A well-crafted credit policy:

  • Focuses the organization—everyone on the same page
  • Reduces organizational conflict and confusion—priorities
  • Minimizes need for rigid controls
  • Supports commitment to the organizational vision and mission

Who Should Attend: Chief Credit Officers and Chief Risk Officers

Finance & Accounting

Five Lessons Learned from 6 Months of COVID 19 Stress Testing with Community Banks

The financial fallout from the coronavirus is not going away anytime soon. Community bank executives need to know which loans need to be watched, at what point their bank’s capital safety net might be in jeopardy, and when to develop contingency plans. In this webinar, bankers will learn why it is essential to triage their loan portfolios beyond the industry of the borrower by identifying critical loan characteristics, and quantifying their impact using appropriate stress testing techniques. In this webinar, Invictus Group CEO Adam Mustafa provides webinar attendees with lessons learned from six months of COVID-19 stress testing at community banks.

Who Should Attend: Finance, Accounting Professionals, Bank CEOs, C-Suite Executives

Legal & Regulatory Compliance

Safely Banking Cannabis

Banks can safely bank cannabis related businesses! In this webinar we will show you the safe way to vet your new customers, as well as identify your existing customers who are currently depositing cannabis funds and you may not even know it. Whether you want to safely bank cannabis today, or safely bank cannabis tomorrow, know how you can safely bank those deposits. The CBD market alone is projected to be $22 billion by 2022.

Who Should Attend: Compliance Officers, Risk Professionals, Business Bankers

Finance & Accounting

Deposit Strategies In a Pandemic – Analytics and Deposit Study Tools to Better Manage Balance Sheet Risks

Most institutions have observed a significant spike or surge in deposits since the onset of COVID-19. This unusual increase in deposits and liquidity are accompanied by a variety of uncertainties that raise important questions about the dependability of these elevated levels. Your institution’s outlook on the stability of these deposits has significant implications for lending appetite, loan pricing strategy, deposits strategy and use of wholesale funding.  
 
These deposit behaviors may arguably be the most significant assumption in your interest rate risk and liquidity models. What will your models assume for rate sensitivity and average life stability? Best in class institutions are utilizing analytical tools including forecasting capabilities and data science to determine appropriate deposit strategy roadmap during this very uncertain time. 
This webinar will share current deposit trends from Darling Consulting Group’s vast data set such as current and expected balance decay, CD retention levels, and migration analysis (to name a few) which can help drive strategies to lower funding costs while managing the deposit base.

Who Should Attend: CFOs, Finance Officers, Chief Risk Officers

Credit & Lending

How to Diagnose Your Credit Culture and Reposition It to Support Your Risk Appetite and Risk Tolerance

Bank regulators expect financial organizations to build, implement, and maintain strong credit cultures.  The key element in a strong credit culture is strong credit risk management, and this course offers some credit risk discipline tools to test and check the strength of the organization’s credit risk management.

Who Should Attend: Credit Analysts and Lenders, Senior Lenders and Credit Risk Officers, Executive Management, Bank Directors

Finance & Accounting

Employee Stock Ownership Plans (ESOPs): A Tax Favored Liquidity Tool for Banks and Their Clients

This webinar looks at how Employee Stock Ownership Plans (ESOPs) can be used by banks and their customers as a tax-favored way to provide owners with a market for their shares. In this webinar, you will learn how an ESOP works to buy shares in pre-tax dollars from owners of closely held companies and can be used by community banks as well as a market for the shares of their dispersed ownership. The webinar about how ESOPs work can help banks keep their clients where owners want to move on as well as how ESOPs can be a great tool for community banks in their own benefit plans.

Who Should Attend: CFOs, finance officers, Accounting Professional, Benefits Specialists

IT, Technology, & Operations

Successful Universal Models Hinge on Process Improvement (especially in a contactless environment)

Take stock of your existing processes and procedures to make the most of every customer interaction, while improving consistency and efficiency throughout the organization. In this webinar, learn best practices and practical guidance to efficiently review your processes while ensuring a full unbiased review. Additionally, learn best practices for managing the project of updating processes and procedures that maintains momentum throughout the organization and life of the project. Understand the importance of processes on the universal banking model customer experience.

Who Should Attend: Retail Bankers, Branch Managers, HR Professionals, COOs and CAOs

Marketing & Sales

Marketing Plans — Purposeful Relevance

Earning buy-in for your marketing strategies is easier when you have a comprehensive plan. Purposeful planning helps you avoid wasteful expenditures that are no longer relevant or profitable. Measuring your results of your strategies is crucial to your plan and will help you identify your most effective channels for your demographic culture.

Who Should Attend: Chief Marketing Officers, Marketing Specialists, Communications Professionals

Marketing & Sales

Effective Emails—Improving Your E-Communication Skills

Emails are a core business communication tool. The speed and volume of email have dramatically changed the business communication. The not-so-old standards for professional correspondence have changed and will continue to do so. In this webinar, learn how to write clearer emails to receive better responses. Well-written emails save time because they allow the recipient to clearly understand the task at hand and respond appropriately. Effective emails reduce confusion and increase productivity, and they are much faster to write than snail mail.

Who Should Attend: All Marketing and Communications Professionals

IT, Technology, & Operations

It Is Broken and Must Be Fixed: How Replacing Manual Processes with Technology Can Save Millions

In the current environment, banks cannot afford the continued use of processes and practices that are inefficient. Numerous opportunities exist for applying automation that reduces overhead, costs, and error rates. In this webinar, the use of machine learning and robotic process automation to audit high-value, complex vendor invoices will be discussed. Vendor invoices averaging a 10 percent error rate with some errors totaling hundreds of thousands of dollars annually. Automating vendor invoice auditing can reduce this loss rate and deliver an ROI within months, not years.

Who Should Attend: Chief Technology Officers, IT/Operation Leads/Specialists, Chief Operating Officer  

Credit & Lending

How to Make Commercial Loans Through the Business Cycle and Prepare for the Next Recession

As borrowers and lenders work through the business cycle, borrowers’ credit needs change, so lenders must be ready to recognize the changes and accommodate their clients’ requirements, and credit approvers must be prepared to evaluate and adjudicate the impact of these changes on underwriting, approval, and credit risk management. Business cycles are inevitable, and bankers must understand borrowers’ funding needs through a cycle’s four phases—early expansion, late expansion, early contraction, and late contraction—as well as how to identify and evaluate clients’ relative vulnerability to recession.

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

Finance & Accounting

Advanced Tax Return Analysis for the Banker

This seminar will provide the banker with several advanced tax return concepts and related analyses to help them more effectively work with their business customers. The session will begin with a brief review of analyzing a business owner’s personal “1040” tax return and the return of an LLC, S corporation, and C corporation including Schedules M-1 and M-2, Schedule K-1, pass-through transactions, and other deductions.  

 

Who Should Attend: Business Banking Officer, Loan Officer, Personal Banker

Credit & Lending

Mining for Gold: Turning Your Bank’s Data into Dollars

In the age of analytics and informed decision-making, financial institutions have a largely untapped source of internal data. Data that can be deployed to create dollars. Why aren’t more financial institution leaders using these resources to grow profitability and increase relational intensity? During this session, learn how to turn your financial institution’s data into a strategic competitive advantage in order to: (1) grow core accounts, (2) increase core deposits and (3) deepen relationships.

Who Should Attend: Senior Lenders, Loan Officers, Business Development

Marketing & Sales

Sales Enablement — Building an In-branch Product Sales Enabling Tool

Having brochures about bank deposit accounts are great, but what about a tool that provides specific information about products that drives front-line conversations? Find fresh ways to build said tool, while giving the front-line the ammunition needed to place the bank’s customer in the best account to support their banking behaviors. Why is this important? By placing the customer in the right account, one masters the onboarding process faster and obtains a higher engagement and use of the product. This also provides the ability to grow the relationship, making the customer more profitable.

Who Should Attend: Sales Leaders, Business Development, Branch Managers, Chief Marketing Officers

IT, Technology, & Operations

Advance Customer Experience While Cutting Costs

In today’s age of pandemic – accelerated digital adoption, the modern bank is challenged more than ever to engage in more efficient, wide-reaching, scale-able technologies – all while staying ahead of shifting consumer behaviors. In this presentation, sharpen your knowledge on how smarter technologies such as AI, RPA, OCR, and machine learning are supporting financial services.  You may also glimpse where they are already changing a workforce in recovery. Attendees will hear anecdotes about use cases, their outcomes, and specific tips for a smarter journey to survive and thrive into the future.

Who Should Attend: IT Leaders, Business Development, Branch Managers, Chief Operating Officers

Credit & Lending

Problem Asset Management: Identification, Management, and Resolution

It is inevitable to avoid a problem loan at some point. No lender intends to make a problem loan, but lending institutions must anticipate having some level of problem loans and loan losses. Problem loans are simply a by-product of the business of lending. While there are different strategies for managing and resolving problem loans, the underlying problem is the same – a lack of cash flow to pay their creditors and operating costs. Resolving problems can be expensive and difficult, and managing problem loans properly is a complex, time-consuming task, frequently requiring specialized knowledge and expertise in, credit analysis, bankruptcy and security laws, as well as negotiating. The overriding objective in managing problem loans is to improve the lender’s position enough to get repaid in full. This session provides an overview for those wanting to know the basics of sound problem asset management.

Who Should Attend: Chief Credit Officers, Chief Risk Officers, Credit/Risk Analysts, Lenders of all levels

IT, Technology, & Operations

Deposit Account Opening + Deposit Analytics During COVID-19

As consumer expectations for simpler, more convenient and personalized financial services increase, institutions must create frictionless, user-friendly, digital experiences. This is increasingly important in this unprecedented time we are living in now, with more consumers going to a digital platform to open accounts now more than ever. In this webinar, industry experts from nCino will share solutions that can help institutions serve their customers better both online or in branch, while also better assessing and analyzing today’s deposits to ensure tomorrow’s success.

Finance & Accounting

Community Bank Mergers and Acquisitions Simplified

This session will discuss the current community bank M&A environment, underscore the necessity of planning as it relates to independence and merger transactions and provide an overview and practical advice on key substantive considerations and the transaction process. In this webinar, discuss specific regulatory, accounting, and taxation issues associated with community bank M&A transactions.  Regardless of an adopted strategy to remain independent, acquire or merge with another bank, or acquire a branch, fundamental to success is an understanding of the current M&A environment and the structure and key considerations in any M&A transaction from both the buy and sell side.

Who Should Attend: CEO, COO, CFO, Director

IT, Technology, & Operations

Navigating the New Norm: COVID-19 Readiness & Solutions

As COVID-19 emerged and regulation followed, the need for clear direction regarding safe operation practices became apparent. Navigating the New Norm: COVID-19 Readiness & Solutions addresses many of the questions shared among the banking community including social distancing branch design, executive readiness tests, the importance of crisis planning, and protest and riot preparedness. With infectious disease specialists predicting another possible relapse wave of COVID and the overall uncertainty of how long COVID will last, please join this webinr for readiness and solutions, helping to keep employees and customers safe and branch and operations centers operational.

IT, Technology, & Operations

Key Reporting After the Crisis

The lasting consequences of the COVID-19 crisis will be complicated, complex and difficult to comprehend, especially considering this experience cannot be compared to any other historic event or period – not even the 2008 recession. As we begin to imagine and implement next steps, nCino has compiled data from customer interactions to come up with ten of the most popular reporting concepts institutions are leveraging in the new world of lending we are living in. In this webinar, Ncino will share those reports and show how they can help financial institutions keep a pulse on credit risk and its impact on portfolios.

Who Should Attend: CEO, CLO, CFO, Credit/Risk Analysts, VP Lending

Finance & Accounting

Why EBITDA Doesn’t Spell Cash Flow and What Does

EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a popular measure of cash flow, but it is not accurate, and bankers and investors who rely on it as a reliable indicator of repayment ability will be deeply disappointed. This session will explain why EBITDA does not measure cash flow and what more accurate measures are available.

Who Should Attend: Chief Financial Officer, SVP Accounting, Controller

Legal & Regulatory Compliance

COVID-19: Keep Calm & Prepare for the Legal Challenges Ahead

The COVID-19 pandemic will have a profound and lasting impact on the financial services industry. In this webinar, we will examine some of the unique litigation and compliance risks arising from COVID-19. While the full impact of the pandemic is still unknown, there is no doubt it will affect the financial services industry, including banks and their customers for years to come. In order for banks to minimize risk to themselves and their customers, it is critical to keep current on responses to the pandemic by plaintiffs’ attorneys and lawmakers.

IT, Technology, & Operations

Growing Fee Income without Raising Fees in Any Economic Environment

When faced with challenging economic situations, many financial institutions begin to think about raising their fees – should you? More and more, fee revenue has become an important component of financial institution profitability. Average financial institutions misunderstand fee revenue while remarkable financial institutions know how to maximize it by charging the right amount, adopting the right collections policies and knowing which consumers generate the most revenue. Walk away with strategies to enhance your fee revenue in any environment, while keeping your most profitable customers longer.

Who Should Attend: CEO, CFO, COO, CIO, Head of Sales, Head of Marketing, Head of Retail

Marketing & Sales

Developing Call Centers into a Personal One-On-One Touchpoint to Support Digital Technology

Create a full-service call center that can be a revenue center, while supporting your digital touchpoints for your customers. In this webinar, learn best practices and practical guidance to build a digital branch, as opposed to a traditional call center, along with bridging the gap between digital and traditional touchpoints. Create the opportunity to better support customer needs and streamlining branch staffing, while retaining skilled employees that turn your call center into a revenue generating digital branch.

Who Should Attend: Operations Administrator, Director of Marketing, Digital Marketing Coordinator, E-Channel Manager

IT, Technology, & Operations

Pulling Strings to Optimize Your Payments Networks in the New Normal

Managing revenue through payments networks is more complex than ever before – pulling one string here can drastically affect volume from over there – not to mention navigating a slew of pandemic-related payments disruptions. To help even the odds, this session with Robert Koehler, professional payments consultant at SRM, interprets the latest in the FED Interchange study, breaks down the data, and explains how to prepare your institution for what’s coming next, pandemic notwithstanding. By knowing which strings to pull, and when, gain a clear line of sight to optimizing your institution’s payments strategy.

Who Should Attend: CFO, Accounting, Retail Bank Executives, Online Banking Officers, Operations Managers

Legal & Regulatory Compliance

Writing SARs for Law Enforcement with Purpose & Clarity

Financial institutions use valuable resources for timely suspicious activity reporting, as well as continued reports. A BSA officer may often ask, “What happens to our SARs once submitted? Is anyone even reading this information?” In a never-ending sea of SARs filed with FinCEN each year, it is important that SARs are noticed and read by law enforcement. Learn how to craft a SAR narrative that tells the story and captures the attention of law enforcement while maintaining regulatory requirements.

Who Should Attend: Compliance Officers, BSA Officers, Risk Professionals, Fraud Specialists

IT, Technology, & Operations

2020 Regulatory IT and Cybersecurity Hot Spots

This webinar will focus on discussing IT and cybersecurity topics that the regulators might focus on in their upcoming examination this year. Explore specific risks and key controls to assess based on recent FFIEC publications, as well as data Audit One has collected from their 2019 IT audits and 2018 regulatory examinations. This session will address common findings (both audit and exam) and what corrective action regulators are comfortable with for those findings.

Who Should Attend: Regulatory Officers, Compliance Officers, IT Professionals, Administrative Officers

Marketing & Sales

Key Strategies to Attract and Retain Business Customers

The banking industry aggressively looks for opportunities to grow core business customers and deepen business relationships. In this webinar session, we will discuss four simple steps that can transform your business growth strategy. From all the scrambling some financial institutions do to find magic bullets, solid organic growth does not mean adding more digital widgets or sales quotas. It means executing a series of proven behaviors to grow your business customer base.

Who Should Attend: Business Bankers, Business Development Officers, Marketing Officers, Sales Staff, Executive Officers

Marketing & Sales

Modern Digital Statement Integrations to Drive Customer Satisfaction and Adoption

Traditional digital communications implementations have treated digital statements as a stand-alone product poorly integrated into the customer’s digital experience. In this webinar, attendees will explore a simple architecture that aligns digital statement registration and management with online banking while eliminating the need for complex synchronizations with the core. A better digital statement experience drives adoption, reduces costs and improves the digital experience.

Who Should Attend: Operations Administrator, Director of Marketing, Digital Marketing Coordinator, Product Developer, E-Channel Manager, Universal Banker

Credit & Lending

Lease Capitalization—How It Affects Borrowers and Lenders

Bankers need to understand how the change in GAAP effects their borrower’s ability to repay. GAAP is going to require that companies capitalize their leases, and that will worsen their leverage, reduce their liquidity, and lower their profitability. Lease capitalization is one of three significant GAAP changes occurring very close together—revenue recognition, current expected credit loss, and lease capitalization. This webinar will explain why and when lease capitalization will be implemented and show how capitalizing both operating leases and financing leases will impact the financial condition and performance of borrowers.

Who Should Attend: Credit Officers, Risk Officers, Finance and Accounting Officers, Business Lenders, Commercial Lenders

Credit & Lending

Powering Smarter Construction Finance

Construction lending has unique risks which require specialized solutions to successfully manage from origination through loan administration to completion. In this webinar, dive into some of the specific risk factors associated with construction lending, and discuss how technology can help bankers lever data and workflow tools to manage construction loans. Lenders are the lifeblood of the construction industry, and if we can lower the margin of error in their processes, funds can move more quickly and efficiently through the construction lending ecosystem. 

Who Should Attend: Commercial lenders, Construction Lenders, Risk Officers

Human Resources & Staff Training

Planning for Succession: Creating a Robust Pipeline for Organizational Success

Banks, as well as other industries, face a tight labor market driven by economic growth, baby-boomer retirements, and a decreasing supply of entry-level talent. If banks want to win this “war for talent,” the best way to do so is to look within. In this session, learn how succession planning and talent management can become the strategic, competitive advantage. Explore how you can think about leadership bench strength and talent development from a strategic perspective, ensuring a diverse talent pipeline who will be ready when vacancies occur.  

Who Should Attend: Executive Officers, Board Directors, HR Professionals

IT, Technology, & Operations

Digital IS Banking: Is Your Strategy Holding Up?

Since the world started following shelter-in-place rules we’ve been relying on digital channels more than ever to entertain ourselves, buy food, communicate, and bank. For community banks, this “new normal” has highlighted the importance of having an end-to-end digital strategy.  So how are you doing? Is your digital banking strategy holding up? Were there lessons learned from PPP?

Credit & Lending

Payments Evolution: The Fight for the Business Customer

Explore how community banks can effectively compete with and win business over fintechs. In this webinar, hear ideas on how community banks can strategize and compete with fintechs by first understanding how they view the opportunity. Additionally, learn how the recent mergers within the payments space are also strategies in the fintech world. This session will provide tips and tools to understand how to not only retain customers as a bank, but win new business to grow the portfolio and income to the bottom line.

Who Should Attend: Business and Consumer Lenders, Mobile Banking Operations Leaders, Branch Operations Leaders, Executives who want to learn more about competing with Fintechs.

Human Resources & Staff Training

Elder Financial Exploitation and Elder Fraud: The Hidden Crime

Elder financial exploitation is a growing concern in our communities and the more the baby boomers age, the faster crimes against the elderly will grow. Financial institutions have a unique position to observe this early and stop the activity prior to a victim being left financially destitute. In fact, in most states financial institution employees are mandatory reporters of elder financial abuse. This webinar will help identify elder financial abuse in the community and help stop it before it’s too late.

Who Should Attend: Legal Counsel, Compliance Officers, Risk Officers, Branch Managers

Credit & Lending

Mortgage Loan Fraud – It Can Happen to You!

Mortgage loan fraud is an ever present and constantly changing reality in the lending industry. This webinar will focus on the various types of fraud that can occur during the life of a loan, from origination and servicing through the REO process, and will provide real world examples. Additionally, this webinar offers preventative measures and suggestions for earlier detection. Even the brightest, most diligent companies can fall victim to loan fraud.

Who Should Attend: Mortgage Lenders, Consumer Lenders, Risk Officers, Fraud Examiners

Credit & Lending

How to Assess a Borrower’s Financial Condition—Liquidity, Leverage, & Solvency

This session on financial condition is the companion piece to “How to Assess a Borrower’s Operating Performance.” In this session the focus moves from the income statement to the balance sheet to evaluate a borrower’s liquidity, leverage, and solvency. A borrower with a positive operating performance and a sound financial condition can generate the cash flow to repay. 

Who Should Attend: Consumer, Commercial, and Mortgage Loan Officers; Credit Officers