2020 Playback Library

Legal & Regulatory Compliance

Weeding Through the Risks of Banking the Cannabis Industry

The cannabis industry can be hazy for financial professionals when deciphering what is legal at the federal level and what has passed for each state. Is it safe from a regulatory standpoint to provide traditional banking services to cannabis-related businesses? Now that the Farm Bill has passed, is hemp and CBD 100% legal at the federal level? In this webinar, learn the differences in each aspect of the cannabis business and the risks associated with banking these riskier clients.

Who Should Attend: CEO, COO, Compliance Officer, Risk Officer, BSA/AML Officer, Director

Credit & Lending

Ratios & Covenants — What, Why, & When?

This webinar will discuss credit risk as it relates to ratios and covenants. Additional discussion will cover the “triple trinities” of purpose, repayment ability, and structure. Hear how credit risk varies and how to create covenants and ratios that will protect the bank by helping to ensure that the borrower will repay on time, in full, and as agreed. This session summarizes key elements of knowing the customers and red flags you need to look for.

Who Should Attend: Commercial Loan Officer, Retail Loan Officer, Junior Loan Officer, Business Development Officer

Human Resources & Staff Training

Customizing Long-Term Incentives for Your Bank

In this webinar, explore different long-term incentives utilized in the banking industry, including real and “synthetic” equity vehicles. Learn about three case studies that demonstrate how a closely held bank, a widely held private bank, and a public bank might utilize equity-based awards. For each case study, the presenters cover strategy, types of equity used, granting methodologies, and discuss how each bank customizes long-term incentives to best fit their organization.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Human Resources Officer, Engagement Specialist

IT, Technology, & Operations

Customizing Long-Term Incentives for Your Bank

In this webinar, explore different long-term incentives utilized in the banking industry, including real and “synthetic” equity vehicles. Learn about three case studies that demonstrate how a closely held bank, a widely held private bank, and a public bank might utilize equity-based awards. For each case study, the presenters cover strategy, types of equity used, granting methodologies, and discuss how each bank customizes long-term incentives to best fit their organization.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Human Resources Officer, Engagement Specialist

Credit & Lending

Preparing for Life After LIBOR

The London Interbank Offered Rate is the pre-eminent reference index to over $350 trillion in financial instruments ranging from mortgages to interest rate swaps. The widely-used index is scheduled to phase out by the end of 2021. As a result, the potential impact to financial institutions will be far-reaching. In this webinar, learn about the steps one can take to succeed with the transition of LIBOR by exploring: the development of alternative benchmarks, organizational and legal best practices, and how the financial markets are reacting to the pending changes.

Who Should Attend: Chief Financial Officer, Treasurer, Treasury Manager, ALCO Member, Chief Credit Officer, CRE Lender, Mortgage Officer, Junior Loan Officer

Legal & Regulatory Compliance

Strong Third-Party Risk Management (TPRM) Practices – Part II: Vendor Due Diligence

In this second session in a series of three on third-party oversight, the focus will cover best practices for due diligence around various types of third-parties, both initially and on an ongoing basis. Emphasis will be placed on emerging risk areas and managing third-parties where due diligence materials may not be readily available.

Who Should Attend: Risk Officer, Operational Risk Officer, Vendor Management Officer, Compliance Officer

Credit & Lending

How to Analyze Profitability Like a Pro

Want to become a more profitable institution? This webinar explores new techniques to analyze profitability, including the effect of the probability of default and prepay in estimating cash flows. Cash flows are an integral part of CECL for many institutions, and this presentation will illustrate a valuable way to leverage CECL efforts beyond reserve calculations. 

Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Credit Coordinator, Credit Analyst, Junior Loan Officer

Credit & Lending

PACE Loans and their Impact on Residential Lending

With green energy and sustainability being the wave of the future, the state of California has spearheaded a national program of clean energy financing known as Property Assessed Clean Energy (“PACE”). The purpose of this webinar is to help residential mortgage lenders address the impact of these assessments, which have priority status on existing liens and the common challenges they present. The presenter will explain the structure of these loans, help identify its key players, and provide practical insight on how to address some common issues from a servicing standpoint.

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

Legal & Regulatory Compliance

Capitalizing on the Green Rush: Effectively Banking MRBs

In this session, learn how a bank can effectively enter the MRB space with policies, procedures, and the use of specific technologies to meet regulatory compliance requirements. This session will be led by a seasoned federal and state law banking attorney who will shine insights into policies, procedures, risk assessments, regulator communications, fee schedules for taking the risk, and the speaker’s personal experiences in establishing a program in 2014 at a commercial bank that is still banking MRB’s with its regulators’ knowledge and oversight.

Who Should Attend

Business Banking Officer, Retail Banking Leaders, Risk Professionals, Operations Professionals, Legal and Regulatory Compliance Professionals

Credit & Lending

Where Are You at In Your CECL Journey: Part 2

This second part in the CECL journey series will focus on key steps for implementing CECL. In the first session, webinar attendees were presented the foundation for implementing CECL. This session will elaborate on CECL Implementation strategies. This session will help attendees understand in-depth topics on how CECL will impact an allowance, how to prepare disclosures and key reports, and how to assess CECL’s overall impact on an organization. These sessions are for anyone serving on a CECL committee and anyone else who wants to understand how to prepare for and successfully implement CECL.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, CECL Committee Member

Marketing & Sales

Identifying the Right Course of Action: Do Something With Your Data

To remain operationally relevant in today’s financial services industry, banks must invest in data; yet, too many of them then fail to take action from insights. In this webinar, explore common fears about data that frequently become roadblocks to “doing something.” Topics to be discussed include interpreting insights for relevancy, validating assumptions, and achieving consensus on priorities. 

Who Should Attend: Technology Officer, Digital Strategy Officer, Marketing Officer, Marketing Strategist

IT, Technology, & Operations

Identifying the Right Course of Action: Do Something With Your Data

To remain operationally relevant in today’s financial services industry, banks must invest in data; yet, too many of them then fail to take action from insights. In this webinar, explore common fears about data that frequently become roadblocks to “doing something.” Topics to be discussed include interpreting insights for relevancy, validating assumptions, and achieving consensus on priorities. 

Who Should Attend: Technology Officer, Digital Strategy Officer, Marketing Officer, Marketing Strategist

IT, Technology, & Operations

Strong Third-Party Risk Management (TPRM) Practices – Part I: Program Governance

This session, as the first of three in a series, will focus on best practices and regulatory expectations for strong programs to manage the risks associated with third-party relationships within community banks. The webinar will focus on overall program governance, including: roles and responsibilities, policies and standards, overall due diligence, monitoring and reporting, and vendor decommissioning.

Who Should Attend: Vendor Management Officer, Risk Officer, Operational Risk Officer, Compliance Officer

Legal & Regulatory Compliance

Strong Third-Party Risk Management (TPRM) Practices – Part I: Program Governance

This session, as the first of three in a series, will focus on best practices and regulatory expectations for strong programs to manage the risks associated with third-party relationships within community banks. The webinar will focus on overall program governance, including: roles and responsibilities, policies and standards, overall due diligence, monitoring and reporting, and vendor decommissioning.

Who Should Attend: Vendor Management Officer, Risk Officer, Operational Risk Officer, Compliance Officer

Credit & Lending

Secondary Repayment Sources – Collateral and Guarantees

While cash flow will almost always be the primary source of repayment, carefully analyzing the collateral of a borrower and the assets they pledge as an alternate repayment source for the loan is equally as important. This webinar will cover the credit decision process, potential collateral assets, and key underwriting principles.

Who Should Attend: Commercial Loan Officer, Retail Loan Officer, Junior Loan Officer, Underwriter, Business Development Officer, Credit Administrator

Credit & Lending

UCA Cash Flow

This 90-minute webinar will explore different cash flow methods and will help participants understand how a company repays its loans from cash flow. The differences between EBITDA and UCA cash flows will be discussed, including a historical view of why cash flow has become so important for lenders; tools will be provided to effectively evaluate a borrower’s financial strength and ability to repay its loans, and the impact to a borrower’s ability to repay from industry, business, and management risk issues will be assessed. As loans are intended to be repaid from cash flow, it is important to understand the various ways cash flow can be calculated, and this webinar provides the roadmap for a reasoned approach in which to conduct this analysis. 

Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Credit Coordinator, Credit Analyst, Junior Loan Officer

Human Resources & Staff Training

Creating Impressionable Customer Experiences

One of the simplest ways to create impressionable customer experiences is to showcase financial expertise at every customer interaction. Webinar participants will explore the relationship between employee confidence and exceptional service. Relevant topics to be discussed include financial literacy facts & fears, perspectives by generation, and training program solutions.  

Who Should Attend: Training & Development Professional, Branch Administration Leadership, HR Professionals, Executive Director

Credit & Lending

Where Are You at In Your CECL Journey: Part 1

Yes, the deadline has been extended, but the need to begin the journey to CECL adoption is now! In this two-part webinar series, understand how to prepare for and successfully implement CECL. In Part 1, explore an overview of the key steps for implementing CECL while also covering in-depth topics on how to ready data, how to segment the portfolio, and how to calculate allowances. In Part 2, discussion will continue on key steps for implementing CECL. Understand in-depth topics on how CECL will impact an allowance, how to prepare disclosures and key reports, and how to assess CECL’s overall impact on an organization. These sessions are for anyone serving on a CECL committee and anyone else who wants to understand how to prepare for and successfully implement CECL.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, CECL Committee Member

Credit & Lending

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 guidance in accurate cash flow measure. This webinar will provide attendees with clarity regarding EBITDA and cash flow repayment.

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

IT, Technology, & Operations

Rise of Fintechs: Threat or Opportunity?

With the rise of fintechs in consumer loan origination, banks face a choice: ignore them, compete with them, or partner with them. In this session, learn how to identify the right avenues of cooperation and navigate potential pitfalls in developing strategic partnerships with fintechs that will complement or diversify current lending programs. Explore possible forms of collaboration between your bank and new fintech originators. Attendees will learn how taking an allied partnership approach with fintechs can improve customer experience and add organizational value.

Who Should Attend: Lending Professionals, Executive Leadership, Executive Director

Credit & Lending

Rise of Fintechs: Threat or Opportunity?

With the rise of fintechs in consumer loan origination, banks face a choice: ignore them, compete with them, or partner with them. In this session, learn how to identify the right avenues of cooperation and navigate potential pitfalls in developing strategic partnerships with fintechs that will complement or diversify current lending programs. Explore possible forms of collaboration between your bank and new fintech originators. Attendees will learn how taking an allied partnership approach with fintechs can improve customer experience and add organizational value.

Who Should Attend: Lending Professionals, Executive Leadership, Executive Director

Credit & Lending

Basic Personal & Business Tax Return Analysis

Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this webinar will concentrate on personal tax return analysis while the second part will focus on the analysis of various business tax returns. Attend this proactive webinar to gain an understanding of the often complex and confusing topic of personal and business tax forms. 

Who Should Attend: Commercial Loan Officer, Credit Officer, Universal Banker, Lending Officer

IT, Technology, & Operations

Strong Third-Party Risk Management – Do You Have It?

This session will focus on best practices and regulatory expectations for strong risk management of third-party relationships within community banks. The session will provide a high-level overview of regulatory expectations, industry best practices, and emerging trends and issues. The goal of this webinar is to provide board members and executives a contemporary view of mature third party risk management, an understanding of emerging issues and risks, and provide some basic questions to be able to credibly challenge their own program states.

Who Should Attend: Executive Director, Chief Risk Officer, Legal Counsel, Chief Operations Officer, Chief Technology Officer

Legal & Regulatory Compliance

Industrial Hemp Businesses: Risk Management Best Practices

With the 2018 Farm Bill and subsequent state and federal guidance, everyone is ready to jump on the hemp bandwagon. Financial institutions see the benefits of offering services to these businesses but aren’t exactly sure what risks these businesses present to the bank and how they can effectively manage these risks. In this webinar, learn best practices for initiating a hemp program at your institution including onboarding and ongoing due diligence requirements. These businesses are looking for good banks to partner with for their banking relationship, so having a clear understanding of how to bank to these unique clients will profoundly benefit both the business and the bank.

Who Should Attend: Compliance and Risk Professionals, Branch Banking Leaders

IT, Technology, & Operations

Top Exam Trends in Cybersecurity

There has been a lot of examination activity related to cyber since the FDIC began the rollout of their InTREx risk-based IT exam approach and the OCC made enhancements to the cybersecurity assessment tool used in the IT exam process. Join us as we share with attendees the top trends we see in examinations related to cybersecurity programs. You’ll be better informed as to how to ensure you meet the regulatory requirements and most importantly, maintain customer trust.

Who Should Attend: Risk Professionals, Cybersecurity Professionals

Human Resources & Staff Training

Getting a “Bang for Your Buck” with Annual Cash Incentives

This session focuses on exploring the usefulness and need for performance-based cash incentive plans. In this session, explore typical plan design parameters and common goals that are utilized amongst banks, the range of payouts for various positions, and discuss the weighting of goals between company, department, and individual. Participants will walk away feeling more comfortable with promoting and developing a performance-based cash incentive plan.

Who Should Attend: VP of Human Resources, HR Analyst, HR Business Partner, Executive Director 

IT, Technology, & Operations

Growth Strategies in the New Bank

As the race for core customer relationships, core deposits and talent intensifies, it is imperative to have your financial institution positioned for growth if you want to survive … and thrive. During this session, explore specific and actionable strategies to: (1) grow core customers, (2) increase core deposits, (3) develop your team and (4) improve overall financial performance.

Who Should Attend: Chief Executive Officer, Chief Operating Officer

Credit & Lending

Detecting a Problem Loan Before It Becomes a Problem

In commercial lending, it is critical to determine and assess problem loans as quickly as possible to allow the lender to resolve them efficiently. In this session, learn how the lender’s business and legal teams can work together to identify potential risks and issues quickly, and design strategies to both minimize the lender’s problem loans and potential exposure. Webinar attendees will explore a variety of techniques to maximize recovery and reduce costs in the handling of troubled loans.

Who Should Attend: Chief Credit Officer, Chief Lending Officer, Chief Risk Officer, Executive Director

Human Resources & Staff Training

New Year, New Goals

With the year coming to a close and new organizational goals being identified, it is imperative to remember that employees need a clear vision to stay motivated and performance-oriented. Webinar participants will hear tips to optimize performance management methods and best practices to help managers sharpen skills around goal setting. Relevant topics to be discussed include sales incentive evolutions, workforce trends, and the employee burnout factor. 

Who Should Attend: Training & Development Professional, Branch Administration Leadership, HR Professionals, Executive Director

Legal & Regulatory Compliance

Goodbye Independent Contractors, Hello Employees: Welcome to AB-5

California recently enacted AB-5, a bill codifying the Dynamex court decision and making it much more difficult to classify a worker as an independent contractor as opposed to an employee. In this webinar, we will explore the practical implications of this new law and how it affects businesses throughout the state in terms of how they must identify and treat their workers. The dangers of misclassifying a worker as an independent contractor instead of an employee are now greater than ever, subjecting businesses to significant fines, penalties and back wages if a worker is improperly classified. 

Who Should Attend: Chief Risk Officer, Business Banking Officer, General Counsel

Credit & Lending

Lending through the Business Cycle

As bankers and borrowers work through the business cycle, lenders who are cycle savvy can help their clients meet their credit needs through the cyclical phases. This session explains how those needs change from one phase to the next and how lenders can give clients what they need. In this session, lenders learn how to anticipate their clients’ credit needs to help them survive the challenges associated with expansion and contraction. Webinar attendees will be able to identify the industries and borrowers most vulnerable to downturns and those less susceptible to recession.

Who Should Attend: Lending Professionals, Credit Professionals, Retail Banking Professionals