2020 Playback Library

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

IT, Technology, & Operations

Recovering Smartly & Strategically from Pandemic 2020

In response to the pandemic and its many ramifications, financial institutions are taking steps to maintain the continuity of their previous operations. What is often missing or lacking, is addressing the strategic implications of the crisis – of which, depending on accurate assessment, anticipation, and action – will ultimately determine how an institution fares in the recovery from the business impacts. In this webinar, Joseph Cady will help to separate fact from fiction about the virus, and shift from reaction to effective action. Also important, is to recognize the two distinctive phases in recovering smartly and strategically from the pandemic. Mr. Cady will then share a step by step process to conduct internally, to optimize the continuity of operations, and then remake the bank for the “new normal” needs of customers, employees, communities, and shareholders. Finally, ideas will be shared for identifying and seizing new opportunities to become a more profitable and efficient institution at the conclusion of the crisis. By attending this webinar, one will the acquire the needed information and insights to achieve a much better recovery and outcome.

IT, Technology, & Operations

Managing and Operating an Effective BSA Team in COVID-19 Times

The COVID-19 pandemic has resulted in many financial institutions having to change the way they engage with customers, including those they have never met. This discussion will outline the risks and challenges one can expect when performing remote account opening and how one can mitigate these risks by implementing the appropriate tools and processes.

Legal & Regulatory Compliance

CARES Act Paycheck Protection Program (PPP): Update and Review of Recent Guidance

With the focus on additional funding for the Paycheck Protection Program (PPP), it is the perfect time to consider lessons learned, review recent developments, and create strategies for navigating the PPP lending process moving forward. 
Topics reviewed:

  • Brief overview of the PPP
  • Review of recent guidance
  • Interim Final Rule #2
  • Interim Final Rule #3
  • Treasury’s FAQs
  • Strategies for the next round of PPP lending
IT, Technology, & Operations

The Challenges of Banking High Risk Customers in a Work From Home World

A BSA program for high risk customers versus regular accounts will have some nuances, especially around screening, documentation, enhanced due diligence, transaction monitoring and ongoing workload. Adding the element of remote onboarding adds another layer of complexity. This is a detailed discussion around the risks and challenges facing financial institutions banking high risk clients remotely.

Legal & Regulatory Compliance

Reg CC Final Rule Changes: What Banks Need to Know

In June 2019, the Federal Reserve and Consumer Financial Protection Bureau jointly announced a final rule that impacts financial institutions by, among other things, amending Regulation CC to incorporate cost of living adjustments (COLA) required by the Dodd-Frank Act into the fund availability rules. In this session, participants will learn details on Reg CC changes effective July 1, 2020, that impact all banks that offer checking accounts, including requirements around updating and creating disclosures, change notices, posters, hold notices, information technology systems, and staff training. As compliance for these changes is mandatory, it is critical for banks that offer checking accounts to incorporate these requirements into their processes and materials by the July 1, 2020, effective date.

Who Should Attend: Chief Compliance Officer, Operations Administrator, Policy & Procedure Specialist, Training & Development Manager

IT, Technology, & Operations

Musings on the US Economy: COVID-19

Ready to understand the implications of unemployment rates, housing prices, inflation, and wages on the broader macroeconomy? In this session, explore how recent trends in the macroeconomy are often fueled by interesting microeconomic developments, such as changes in the way consumers are originating debt in consumer debt markets, or legislative developments in student loan markets. The presentation will consider developments in these micro-markets to help attendees understand their implications in the broader macroeconomy. Get the latest update on the US economy and its recent fluctuations.

Who Should Attend: President, CEO, Chief Operating Officer, Chief Finance Officer, Director, Controller

IT, Technology, & Operations

Community Bank Capital Raising Alternatives

It is important that the board understands all of the available capital raising alternatives in order to add additional capital to the bank. This webinar will cover from both a business and legal perspective each of the various capital raising alternatives that are available to community banks, including bank stock loans and subordinated debt, the sale of common stock, the sale of preferred stock and the sale of other “equity-like” instruments. This presentation should not be missed by any community bank that is considering raising additional capital.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Bank Counsel

Finance & Accounting

Advanced Financial Statement and Cash Flow Analysis

Discover a comprehensive approach to financial statement and cash flow analysis. Attendees will analyze the four financial statements: income statement, statement of retained earnings, balance sheet, and statement of cash flows. Attendees will also explore accounts receivable assessment, allowance for doubtful accounts, intangible assets, accounts payable assessment, capital and operating leases, and analysis of the equity section of the balance sheet including partners’ capital accounts, common and preferred stock, treasury stock, stock splits, and retained earnings. Lastly, case studies will be used to illustrate a “five-part” financial statement analysis model which will include the liquidity, activity, leverage, operating performance, and cash flow.

Who Should Attend: Commercial Loan Officer, Credit Analyst, Relationship Manager, Business Development Officer, Credit Administrator

Human Resources & Staff Training

Staying Connected While Staying at Home

To remain effective and productive leaders of service teams who began working remotely as a result of a national and global emergency. In this webinar, we’ll explore the importance of the manager role to deliver leadership of front-lines, remotes, and combined teams. Topics to be discussed include transitioning to remote management, coaching in a new environment, navigating challenges from technology to mental health.

IT, Technology, & Operations

Navigating Uncertainty: Creating a Path Forward

When faced with uncertainty, it is often difficult to devise a path forward. During this session, explore actionable strategies an organization can take to move forward with certainty, regardless of any environmental or economic challenge that presents itself. Looking at bank data from the 2008 financial crisis, the presenters will illustrate that financial institutions executing a growth strategy without fail, weather the storm significantly better than the banking industry as a whole. What specific strategies should banks be using now and in the future? Please join Todd Taylor from Taylor Advisors and David Carlson from Haberfeld for this webinar to create a path forward.

Each attendee will receive bank-specific information relevant to their key balance sheet positions and performance metrics. 

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

IT, Technology, & Operations

Paycheck Protection Program – How to Take Applications & Submit Them to the SBA

Learn the steps needed to successfully complete and submit applications for the SBA Paycheck Protection Program. In this webinar, we will walk through the guidance issued for this program and explain how to originate applications using web-based technology that your team can use remotely and how to submit applicants through the SBA’s online portal.

Credit & Lending

Profit Is Not a Dirty Word: How to Assess a Borrower’s Operating Performance

This webinar is designed to show bankers, lenders, and credit professionals how to evaluate a borrower’s operating performance — revenue generation, productivity, efficiency, and profitability — while simultaneously analyzing the information disclosed in its income statement. Attendees will learn how to identify the critical elements of the profit and loss statement and their roles in driving a business borrower’s operating performance.

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

Credit & Lending

Construction Lending Fundamentals – Building Blocks for Sound Banking

Most bankers acknowledge that construction lending is riskier than other types of commercial lending. Repayment ability depends on successful completion of the construction before the project can generate cash flow from the sale of the finished property, from rental or lease of the real estate, or permanent take-out refinancing. During the construction period, the collateral is literally work-in-progress, and often the guarantors do not have sufficient outside net worth or income to pay off the loan. This webinar addresses how to mitigate the higher risk, and it offers advice and guidance on how to extend construction loans safely and profitably.

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

IT, Technology, & Operations

The CARES Act PPP Loans: Feedback From the Field

The CARES Act is designed to provide aid to small businesses but represents unchartered territory for many banks across the country. Participate in an interactive session on how banks are responding with Dan O’Malley, the CEO of Numerated, the digital lending platform that has handles more automated SBA 7(a) loans than any other. Dan will present feedback from the hundreds of banks they have spoken with since the passage of the Act and take your questions.

Credit & Lending

The 5 Cs of Credit

The 5 Cs of Credit teach bankers that a borrower’s repayment ability depends on capacity, collateral, capital, conditions, and character. The first four measure the ability to repay, but character assesses willingness to repay. The Great Recession was an eye-opener in the greater unwillingness of borrowers to repay their obligations. Both KYC (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 identifying red flags.

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

IT, Technology, & Operations

Human Trafficking – Closer to Home Than You Think

Human trafficking—a form of modern slavery—is one of the fastest growing criminal activities in the world. It exploits an estimated 45 million people a year and generates approximately $150 billion in profits. Though the concept of human slavery is certainly not new, some are unaware of the impact and extent of human trafficking both abroad and at home – in our own backyard. In this webinar, learn the red flags and victim indicators so that financial institutions can do their part to help disrupt this heinous crime.

Who Should Attend: Compliance Officer, Risk Officer, BSA/AML Officer, Branch Manager, Operations Manager

Legal & Regulatory Compliance

Human Trafficking – Closer to Home Than You Think

Human trafficking—a form of modern slavery—is one of the fastest growing criminal activities in the world. It exploits an estimated 45 million people a year and generates approximately $150 billion in profits. Though the concept of human slavery is certainly not new, some are unaware of the impact and extent of human trafficking both abroad and at home – in our own backyard. In this webinar, learn the red flags and victim indicators so that financial institutions can do their part to help disrupt this heinous crime.

Who Should Attend: Compliance Officer, Risk Officer, BSA/AML Officer, Branch Manager, Operations Manager

Human Resources & Staff Training

Leading Others Through Change

This webinar is designed to offer management tips for reducing employee stress during a crisis. This webinar will offer practical advice for leaders facing unprecedented change in their organizations. The presenter will teach the participants how to diagnose worry, stress and anxiety and how to coach each of these. Learn about four different management tips for keeping employees engaged during a crisis-type change. 

IT, Technology, & Operations

Crisis Management: Responding to COVID-19
Missed the live webinar?
Click the Register Online link to watch the On-Demand playback

COVID-19 is a coronavirus that has very quickly impacted every aspect of life in the United States and abroad in a very significant way. The effects of COVID-19 raise many challenges for financial institutions on a number of different fronts. This webinar will examine COVID-19 and its impact on banking operations from multiple different perspectives. The session will include consideration of how to respond to COVID-19 and the government’s suggested guidelines as an employer and community participant, entity regulated by federal and state banking regulations and recently released regulatory guidance and items for consideration from a corporate, shareholder and similar perspective. This webinar should not be missed by any financial institution that is developing plans and strategies for response to this significant event.  

Legal & Regulatory Compliance

Crisis Management: Responding to COVID-19
Missed the live webinar?
Click the Register Online link to watch the On-Demand playback.

COVID-19 is a coronavirus that has very quickly impacted every aspect of life in the United States and abroad in a very significant way. The effects of COVID-19 raise many challenges for financial institutions on a number of different fronts. This webinar will examine COVID-19 and its impact on banking operations from multiple different perspectives. The session will include consideration of how to respond to COVID-19 and the government’s suggested guidelines as an employer and community participant, entity regulated by federal and state banking regulations and recently released regulatory guidance and items for consideration from a corporate, shareholder and similar perspective. This webinar should not be missed by any financial institution that is developing plans and strategies for response to this significant event.  

Human Resources & Staff Training

Crisis Management: Responding to COVID-19
Missed the live webinar?
Click the Register Online link to watch the On-Demand playback.

COVID-19 is a coronavirus that has very quickly impacted every aspect of life in the United States and abroad in a very significant way. The effects of COVID-19 raise many challenges for financial institutions on a number of different fronts. This webinar will examine COVID-19 and its impact on banking operations from multiple different perspectives. The session will include consideration of how to respond to COVID-19 and the government’s suggested guidelines as an employer and community participant, entity regulated by federal and state banking regulations and recently released regulatory guidance and items for consideration from a corporate, shareholder and similar perspective. This webinar should not be missed by any financial institution that is developing plans and strategies for response to this significant event.  

Marketing & Sales

Write Right to Better Business Communication

Good leaders walk the talk, but they also write right; they know how to say in a few words what needs to be said in crisp, clear language. The road to hellish communication is paved with good intentions and poor construction. Readers know when subjects and verbs don’t agree, when punctuation misses the point, when words don’t fit, and when content is confusing. In this session, learn how a few basic rules on grammar, punctuation, and usage can improve business written communications with content that is clear and succinct.

Who Should Attend: Marketing Manager, Communications Manager, Human Resources Officer, Technical Writer, All Positions Responsible for Written Communications, Memos, and/or Reports

Marketing & Sales

Blending Digital Banking and Branch Banking Takes a New Mindset

Over the past several years, the community banking industry has been hyper-focused on building its digital presence under the mistaken assumption that this is the most important factor for retaining and attracting younger customer demographics. In this webinar, examine the reality of customer expectations across all age demographics in this digital era and the necessity to focus equally on digital and branch experiences. Attendees will take a look at the strategies that institutions are pursuing to identify whether or not customer demands are truly being met in both the digital and physical environments.

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

Credit & Lending

Credit Analysis Basics

Attend this proactive session and learn how banks make lending decisions based on the five Cs of credit: capacity, capital, collateral, conditions, and character. The webinar will cover the basics of the three main areas of lending — consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real-life case studies. Attendees will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the lending process. Additionally, the basics of loan compliance will be provided, including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting.

Who Should Attend: Consumer Loan Officer, Mortgage Loan Officer, Commercial Loan Officer, Credit Analyst, Business Development Officer, Junior Loan Officer, Retail Branch Officer, Front-Line Staff

IT, Technology, & Operations

2020 Proxy Season Update

Publicly traded financial institutions are gearing up for the 2020 proxy season. In this webinar, learn about recent updates and developments relevant to financial institutions in key areas such as activist shareholders, proxy advisory services’ voting guidelines, environmental, social and governance (ESG), executive compensation, and corporate governance. This webinar will be relevant to a broad range of publicly traded financial institutions. 

Who Should Attend: Chairman, Director, President, Chief Executive Officer, Counsel

Human Resources & Staff Training

Start with Strategy: How to Build an Inclusion-Centered Diversity Program

Fostering a diverse and inclusive workplace is critical to a bank’s success. This 60-minute session offers practical steps to implement as a bank establishes or grows its diversity and inclusion program. From identifying and engaging stakeholders to measuring and communicating program outcomes, this is a session that generates ideas and strategies that can be implemented immediately.

Who Should Attend: HR Director, HR Officer, Diversity & Inclusion Officer, Training & Development Officer

Legal & Regulatory Compliance

Strong Third-Party Risk Management (TPRM) Practices – Part III: Monitoring and Reporting

In the third and final session of the series, the focus will be on how to effectively monitor and report on third-parties, both individually for higher tier/higher risk vendors. Additionally, for the bank’s portfolio of third-parties overall, this session will provide the board and senior management with a clear understanding of the bank’s overall third-party risk profile and related key risks.

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

Human Resources & Staff Training

Non-Executive Compensation Concerns (Staff Level)

This session will address pay equity regulations, setting job grades, and determining base salary and appropriate raises for employees. The presenters will provide information on conducting market research using industry surveys, using market research to establish and set salary grades, having effective job descriptions and performance evaluations, and linking salary increases and performance to positioning in a salary grade. The focus in this session is to help HR professionals sort through several of the compensation-related challenges they are likely to encounter.  

Who Should Attend: HR Officer, Talent Engagement Specialist, HR Analyst, Training & Development Manager

Credit & Lending

Utilizing Cash Flow Projections to Determine Repayment Ability

Bankers know that cash flow repays loans, but history doesn’t always repeat itself. Cash flow projections force borrowers to think about their futures, and it is reasonable to expect a borrower to prove that it can repay a proposed loan based on projected cash flow. A cash flow projection requires the balance sheet and income statement to be projected, too, and the links among balance sheet, income statement, and cash flow are critical assumptions to be tested and validated.

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