2021 Playback Library

Credit & Lending

Advanced Cash Flow Analysis

This webinar will explore multiple models of both business and personal (business owner) cash flow analyses.

The session will begin with the business “traditional” EBITDA cash flow and personal cash flow of the “business owner” (using the 1040 tax return, K-1 forms, and the personal financial statement). Additionally, the Global Cash Flow or combined “business & personal” cash flow model will be displayed. 

This will be followed by the Statement of Cash Flows (using the Direct and Indirect Methods), as prepared by the CPA, the UCA Cash Flow (using the Moody’s software spreadsheet), Cash Basis Cash Flow, Fixed-Charge Coverage (FCC), and Free Cash Flow (FCF). 

Various cash flow projections and sensitivity analyses will also be explored. 

The webinar will then conclude with “commercial real estate” (CRE) cash flow analysis and other related real estate “investment” cash flow models.  

Who Should Attend: Commercial Lenders, Credit Analysts, Relationship Managers, Credit Administrators

Finance & Accounting

Pillars of High Performing Institutions

High performing banks share a handful of traits that separate them from the pack. In this webinar, we will specifically identify these characteristics and discuss their contributions to performance. We will also provide real time examples and recommendations. 

Who Should Attend: CEOs, CFOs, Senior Management, Controllers, Treasury Staff, Financial Analysts, Accountants, ALCO and Board Members

Credit & Lending

Fundamentals of Asset Based Lending

Monitoring and controlling collateral is critical to the asset-based lender to mitigate repayment risk. Collateral evaluation begins with a comprehensive field examination to determine value, followed by a continuing program of periodic examinations. The collateral and loan values are monitored continuously (daily/weekly/monthly) to ensure that the realizable value of the collateral is always sufficient to repay outstandings.
This session will explain how the ABL policy and process must work to ensure the bank is repaid on time, in full, and as agreed.

Who Should Attend: CEO, President, Board Chairman, Bank Director, Lending Professionals, Credit Professionals

Finance & Accounting

Hedging & Managing Interest Rate Risk in a Volatile Environment

With financial markets subject to substantial volatility, hedging and interest rate risk (IRR) management has evolved as a survival mechanism to adapting to the financial environment. In this webinar, we will discuss various hedging strategies and how to assess hedging performance in relation to the balance sheet. Appropriate hedging strategies paired with effective mortgage pipeline management can provide an opportunity to enhance return and profitability through risk reduction and cost savings.

Who Should Attend: CEOs, CFOs, Senior Management, Controllers, Treasury Staff, Financial Analysts, Accountants, ALCO and Board Members.

Finance & Accounting

How to Construct a Reliable Investment Framework

Managing a fixed-income portfolio is more than just picking a bond. Professional portfolio managers must rely on a thorough investment process. In this webinar, we will discuss the key components of a thoughtful investment process and decision-making framework. Your institution’s investment process can create the foundation for generating superior risk-adjusted returns over a long-time horizon.

Who Should Attend: CEOs, CFOs, Senior Management, Controllers, Treasury Staff, Financial Analysts, Accountants, ALCO and Board Members 

Finance & Accounting

Investment Evaluation: How to Evaluate Broker Proposals & Avoid Pitfalls

As financial institutions continue to see cash coming in from all directions due to net deposit growth, pre-payments and loan run-off, evaluating investments is more important than ever. In this webinar, we’ll discuss why having the right tools and knowing what questions to ask can help you better evaluate broker proposals. Now is the time to ensure your depository is using informed decision-making to put excess cash to work effectively. 

Who Should Attend: CEOs, CFOs, Senior Management, Controllers, Treasury Staff, Financial Analysts, Accountants, ALCO and Board Members

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,” which explained:
1-how to evaluate a borrower’s operating performance—revenue generation, productivity, efficiency, and profitability–as they analyze the information disclosed in its income statement.
2-how to identify the critical elements of the profit and loss statement and their roles in driving a business borrower’s operating performance.
3-how to judge a borrower’s operating performance trends and results against industry averages.

In this session we move 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: Credit Policy Officer, Credit Department Manager, Credit Administration Manager, Chief Credit Officer, Loan Review Officers

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: Commercial Lenders, Credit Analysts, Relationship Managers, Credit Administrators

Credit & Lending

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

This program is designed to show bankers, lenders and credit professionals:
1- How to evaluate a borrower’s operating performance—revenue generation, productivity, efficiency, and profitability–as they analyze the information disclosed in the income statement.
2- How to identify the critical elements of the profit and loss statement and their roles in driving a business borrower’s operating performance.
3- How to judge a borrower’s operating performance trends and results against industry averages.

Who Should Attend: CEO, CCO, Bank Director, Credit Analysts, Credit Managers, Loan Review Officers, Work-Out Officers, Commercial Lenders, Credit Risk Managers, Senior Lenders

Marketing & Sales

Preparing for Marketing Success in a Post COVID-19 World

The social and economic impact of the coronavirus pandemic is a jarring example of how one crisis, one new trend or one new technology can turn your marketing, and your financial institution, upside down. Only the creative, agile marketer will be able to help their institution stay competitive and connected.  
This session explores emerging consumer behaviors and marketing trends and sets out three ways to keep your marketing less susceptible to emerging threats in the future. 

Who Should Attend: Primarily marketing staff at institutions $2B in assets and under; presentation will apply to range of experience levels.

Legal & Regulatory Compliance

Preparing for Litigation Arising from the Downfall of CMBS and ABS

The current economic downturn is likely to cause significant losses to Commercial Mortgage-Backed Securities (“CMBS”) and Auto-Backed Securities (“ABS”) and, in turn, to trigger litigation similar to the litigation the followed the 2008 Residential Mortgage-Backed Securities crisis. In particular, CMBS and ABS investors will likely sue CMBS and ABS loan aggregators (aka securitizers) for misrepresenting the quality of the securitized loans, and CMBS and ABS securitizers will then likely sue the originators of the loans in indemnity.

In this webinar, we will talk about the indemnity litigation that arose from the 2008 RMBS crisis, what similar CMBS/ABS litigation would most likely look like, and what lenders need to know if they are sued in indemnity actions. These actions will likely involve millions of dollars in exposure, and lenders need to be prepared.

Who Should Attend: In-House Counsel, Executives, and Commercial / Auto Loan Managers 

Credit & Lending

Loan Structure, Documentation, Compliance Training: A Comprehensive Approach

Attend this proactive webinar and receive a thorough overview of commercial lending requirements from a “loan” structure, documentation, and compliance perspective. 

Basic “business” structure will be presented along with loan “structure” and loan “support.” Additionally, “commercial” lending issues relative to loan documentation will be reviewed. “Loan pricing” and “monitoring” will also be covered along with a review of current compliance issues. 

The webinar will be summarized through a comprehensive case study. 

Who Should Attend: Commercial Lenders, Credit Analysts, Loan Documentation Specialists, Branch Managers, Assistant Branch Managers, Private Bankers, and Business Development Officers

Marketing & Sales

Merging With Another Bank? Check Your Reputations

In the wake of the pandemic and the challenges that surfaced as a result, 2021 appears to be another year that banks consider merging with another financial institution. When two banks look to combine forces through an acquisition, the pace of negotiations means reputation risks and a well thought out communications strategy often gets overlooked. A significant portion of a deal’s value for the acquiring bank is often eroded by customer attrition due to poor pre- and post-merger communications with acquired customers.

Deciding to consolidate banks is a major decision. Not only should joining banks consider the merit, financials and culture of the banks, reputation risks and communications should be the cornerstone of any M&A strategy.

Who Should Attend: CEO, COO, CFO, Director of HR, Director of Marketing

Legal & Regulatory Compliance

Hidden In Plain Sight – Human Trafficking

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. In this session you will learn the difference between human trafficking and human smuggling, where it happens and most importantly, the good news is that the financial industry can play a part in disrupting this heinous crime. With proper education, knowledge of red flags and victim indicators, and by building strong relationships with law enforcement, the financial industry can help disrupt the problem of modern slavery.

Who Should Attend: Front Line Staff, Operations, Compliance and Risk Professionals

Legal & Regulatory Compliance

Corporate Governance Challenges in the COVID Era

The presentation will cover Governance principles and challenges in the COVID era. Governance oversight for the Board of Directors is constantly evolving and it is important that Directors’ engagement and involvement keeps pace with the changing market environment. While management continues to execute and focuses on operational challenges in the market, the Board of Directors should not only retain its oversight of management but review whether the overall corporate strategy continues to be relevant or requires tweaking.

Who Should Attend: Board Directors, CEOs, CFOs, COOs, Head of Strategy, Legal and Compliance functions

Marketing & Sales

Standing for Equality: Connecting with LGBTQ+ Consumers

Financial institutions are increasingly evaluated for their perceived or actual stance on social and cultural issues. As consumers become more accepting of the LGBTQ+ community, companies realize that showing support for equality makes good business sense. Many larger banks are routinely delivering messages of inclusion and LGBTQ+ equality. This session explores why and how smaller institutions should connect with the LGBTQ+ community and take a stand for equality.

In this session, participants will learn about the shifts in societal attitudes about LGBTQ+ individuals and how community-based financial institutions can demonstrate their authentic commitment to LGBTQ+ equality. This session will outline what bank marketers need to know, and what to avoid, when marketing to LGBTQ+ audiences and their allies. 

Who Should Attend: Chief Marketing Officer, Marketing Director, VP of Human Resources, Director of HR, HR Analyst, HR Business Partner

Human Resources & Staff Training

Entrepreneurial Leadership – Creating a Brand-New Approach

As leaders today, we need to adjust how we inspire and motivate. Having the mindset of an entrepreneur can provide a major positive and relevant shift in our approach. 

In this session, you will learn how to adopt and utilize techniques to build your brand and differentiate yourself to support both career growth and business objectives. 

Right now, in a sector where trust and authenticity are paramount, our brand personality as leaders sits at the very center of the success of our business and that of our teams.

Who Should Attend: Team Leaders, Senior Management, Executive Level, Any Professional focused on Career Growth / Business Development

IT, Technology, & Operations

Humanizing the Customer Experience in Financial Services

With the accelerated move to digital as a result of the pandemic, community banks are grappling with creating digital experiences while maintaining the human touch element that makes brick and mortar banks so appealing.

In this webinar, Mike will discuss strategies community banks can take to humanize digital customer experience.

Community banks are vital to our economy and the communities they serve, so it’s important that they learn how to translate their relationship-building approach to digital channels and train their staff to service customers in a digital age.

Who Should Attend: C-Suite (CEO, CFO, CMO, COO), Bank Executives, VPs and above (Technology, Deposits, Growth, Marketing, Operations, Compliance)

IT, Technology, & Operations

Changing 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: C-suite, HR, generally smaller institutions that are behind on digital transformation

Human Resources & Staff Training

Managing Stress and Burnout While Working From Home

Throughout 2020 we all faced a lot of challenges, many of us faced a new remote working environment that included more stress and strain on our employees and ourselves. In this webinar I will go over many ways we can help lower the stress of working from home while helping to ensure a more relaxed work environment. The key to keeping great employees and yourself healthy, satisfied with your job, and avoid burnout is through finding a balance and process that works in a remote work situation.

Who Should Attend: This webinar is for all job titles, but can really speak to those who manage people who work remotely or anyone dealing with stress and burnout in their daily life.

Credit & Lending

Financial Projections for Determining Long-Term Cash Flow Repayment Ability

Financial organizations extend credit to borrowers when the borrowers show the ability to repay the loans extended. Ideally, a request for a five-year loan should be supported by a 5-year cash flow projection, and this session will show you how to project balance sheet, income statement, and cash flow for a period that matches the proposed loan term as well as to evaluate the underlying assumptions.
First, the session will explain the interrelationships among revenue projections, the expenses needed to support the 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 analyze the underlying assumptions such as profitability, productivity, efficiency, and earnings retention.

Who Should Attend: Loan Officers, Branch Managers, Credit Department Manager, Credit Administration Manager, Loan Review Officers

Credit & Lending

Introduction to Commercial Lending

This seminar covers the basics of Commercial Lending and is a must for all new commercial lenders and/or those individuals who want to explore this vital discipline!

The training session will begin with a brief overview of “conventional” commercial lending versus SBA lending. Additionally, the concept of “credit scoring” will be explored. 

The seminar will also cover underwriting a commercial loan including a review of “financial statement analysis” (with emphasis on various cash flow analyses). Additionally, a standard loan “write-up” or written presentation format will be displayed. 

The seminar will also cover negotiating a commercial loan, sources of commercial financing, and a brief review of various legal aspects of commercial lending. 

Who Should Attend: Commercial Lenders, Credit Analysts, Loan Documentation Specialists, Private Bankers, Business Development Officers, Branch Managers

Credit & Lending

Evaluating Secondary Sources of Repayment: Collateral and Guarantees

Bankers rely on cash flow as the primary source of repayment, but collateral and guarantors offer the plan B solution to repayment when Plan A’s cash flow doesn’t work. We know we cannot liquidate collateral and call on the guarantors until the borrower has defaulted, and that default puts extra burden on the Plan B sources because their value is unlikely to be the same as they were at the inception of the loan. This session aims at providing practical guidance to evaluation collateral and guarantees as back-up repayment sources.

Who Should Attend: Bank Director, CEO / President, Board Chairman, Credit Analysts / Managers, Loan Review Officers, Work-Out Officers, Commercial Lenders, Credit Risk Managers, Chief Credit Officers, Senior Lenders 

Finance & Accounting

The Firehose of Excess Liquidity: Thoughts on What to do With All That Money

Depository institutions are flush with historical levels of excess liquidity, returns on the securities portfolio have collapsed, loan demand has declined and the credit for some borrowers’ outlook is foggy.  As a result, the investment portfolio is receiving more attention than ever as an important asset-liability management tool and source of earnings. This webinar will detail specific strategies an investment officer can evaluate to maximize return while managing interest rate risk.  The discussion will cover relevant topics of the day and may include MBS prepayment analytics and management, CMBS as a tool to manage convexity, and yield opportunities credit assets such as municipals, corporate and community bank subordinated debt.  The presentation will conclude with an analysis of one or more common interest rate swap strategies and the considerations that a bank should take into account when evaluating.

Who Should Attend: CEO, President, COO, Chief Financial Officer, Chief Investment Officer, Treasurer, Controller 

IT, Technology, & Operations

Media Toolkit: Being Well-Versed in Media, When Your Bank’s Leaders are Media Averse

Today’s media landscape is constantly changing, yet it remains a major source of information (and opinion) for your customers and employees. With credible news sources becoming harder to find, bank leaders are becoming more apprehensive to engage with media, fearing they will “get it wrong.” However, the media remains an important tool to tell your bank’s story, increase awareness and enhance reputation. In this webinar, Casey Boggs of ReputationUs will offer a media toolkit for how/if/when to engage with members of the press, while providing timely updates about today’s media opportunities for banks.

Who Should Attend: Bank Executive Team, including CEO, COO, CMO, Chief Innovation Officer, CFO and HR Director

Legal & Regulatory Compliance

Financial Services Regulation Under the Biden Administration: What Will Change, What Will Remain the Same?

With the organization of the new Biden Administration, it is clear that policies employed by the Trump Administration will be reversed or modified. Leading these efforts will be many former Obama Administration officials returning to federal agencies and reassuming governing authority.

As this process develops, the operations of banks and other financial intermediaries may be affected as financial services policies are reversed or the emphasis on supervision and enforcement is revisited (once again).

Who Should Attend: C-Suite, Compliance Professionals, Risk Professionals

Credit & Lending

Introduction to Consumer Lending

The seminar will cover the basics of consumer lending including the consumer loan function, marketing consumer loans, and making consumer lending decisions based on the five (5) C’s of credit- capacity, capital, collateral, conditions, and character. 

The attendee will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the consumer lending process. An “auto loan,” “RV loan,” and “home equity line of credit” (HELOC) will be utilized as examples throughout the session. 

Additionally, the basics of consumer loan compliance will be provided including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting. 

The bank’s consumer lending function will be illustrated through “case studies.” 

Who Should Attend: Consumer Lenders, Loan Documentation Specialists, Private Bankers, Business Development Officers, Branch Managers, Financial Service Representatives

Marketing & Sales

Selling Value in a Challenging Price Environment

It is no surprise that senior bankers expect pricing pressure to persist and margins to continue to be a challenge in 2021. Bankers who will succeed in these markets of shrinking loan growth and NIM will be consultative salespeople who are able to position and sell their value by understanding what is most important to their prospects and clients. They will be skillful at asking the right questions to uncover a potential buyer’s criteria. Does this describe your relationship managers?

Mark Trinkle, Chief Growth Officer of Anthony Cole Training Group will deliver this workshop focused on understanding 3 keys to selling value in today’s challenging markets. 

Who Should Attend: Commercial and Business Banking LOB Leaders, Training Managers, CEOs and Sales Execs

Credit & Lending

Financial Analysis with Ratios

Ratio analysis helps lenders and analysts to determine a borrower’s operating performance (profitability and productivity) and financial condition (liquidity, leverage, solvency) by rendering the financial statements into ratios. This webinar focuses on well-known and reliable ratios to assist in identifying trends analytical strengths and weaknesses of borrowers.

This session will explain how to employ ratios to measure and evaluate a borrower’s performance and financial condition. A borrower’s financial profile changes over its life cycle as it moves from new entity to mature firm, and this change over time will be explained and illustrated so that participants will see the link between positive cash flows and good operating performance and financial condition.

Who Should Attend: Beginning Professionals in Banking, Credit and Financial Services Industry followed by Mid Management and Upper Management

IT, Technology, & Operations

Why It’s Time To Revisit ESG and CSR In Banking

Business leaders are revisiting their corporate social responsibility practices in response to a number of monumental challenges facing society including a public health crisis, an economic crisis and a racial equity crisis. In this session, participants will explore how external events and trends specific to the financial services sector have forced banks to re-examine why they will need to elevate environmental, social and governance concerns into strategic planning efforts. Internal and external stakeholders continue to pressure banks to leverage the power of banking for positive social and environmental impact and a robust ESG/CSR plan will allow financial institutions to stay competitive in a rapidly changing business environment.

Who Should Attend: Bank Board Directors, C-Suite Leaders, Chief Marketing Officer, CRA Officer, Chief Community Affairs Officer, Chief Sustainability Officer, VP Business Strategy and Planning, VP Business Development, VP Corporate Responsibility 

Credit & Lending

Effective Credit Administration: Tools and Techniques

Credit administration (CA) connects the organization’s credit strategy, credit approval, credit extension, and credit management tasks into a coherent credit risk management function. Whether in the backroom or the front room, CA is necessary to provide a smooth transition from a prospective client to a creditworthy borrower. Analysis and approval is only part of the story; once the loan is made, the borrower’s performance must be monitored in order to ensure repayment on time, in full, and as agreed.

This session is intended to provide guidance on how to develop and maintain a Credit Administration (CA) function that will provide guidance to anyone involved in the credit function of the bank. The session also highlights the safeguards to manage the bank’s loan portfolio in a safe and sound manner. CA supports credit risk management by watching over credit policy, credit analysis and underwriting, credit approval, credit extension, loan administration and portfolio management.  It also includes ensuring that credit policy exceptions and loan documentation exceptions are mitigated, that credit files and loan documentation are secure.

Who Should Attend: Credit Policy Officer, Credit Department Manager, Credit Administration Manager, Chief Credit Officer, Loan Review Officers

Human Resources & Staff Training

Addressing Racial Equity in Banking Products and Services

Banks can be part of the solution to racial economic inequality in the U.S. In this session, we will explore the history of race and the banking system, its implications for our products and services today, its connection to fair lending laws, and how we can approach intentionally designing racially equitable products and services.  As our society more openly reckons with racism in our country, we as bankers have the opportunity to honestly and thoroughly examine where banking fits in and how we can design solutions to create equitable financial opportunity and the racially equitable world we all wish to see.

Who Should Attend: Executive Leadership, Frontline Workers, Community Relations Professionals, Advocacy / Policy Professionals

Human Resources & Staff Training

The Updated Economic and Business Case for DEI in Banking

If the financial services industry is to truly earn the unabridged trust and respect of all segments of our society, banks must be as diverse as the communities in which they operate and serve. In this session, participants will learn why Diversity, Equity and Inclusion (DEI) initiatives are paramount to their institution’s long-term success and viability. An extensive body of research suggests that the brands that excel at DEI are higher performing companies measured by business, financial and talent outcomes. 

Who Should Attend: Senior Leaders, Hiring Managers, Human Resource Executives, DEI Leaders, Organizational Development and Culture Leaders

Credit & Lending

Fundamentals of Credit Policy: Writing, Implementing, and Maintaining Them

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: All Credit and Lending Professionals, All Risk Professionals, Bank Director

Legal & Regulatory Compliance

Banking Issues in the Cannabis Industry: Managing Risk Under State and Federal Law

More and more states are legalizing the medicinal or recreational use of marijuana. The new administration in Washington is expected to take a more favorable view of the marijuana business than the Federal government has done in the past.  The House’s passage of the SAFE Act and the MORE Act may be further signs of changes to marijuana banking rules. This program will examine the current state of cannabis banking laws, and likely future developments. 

Who Should Attend: C-Level Officers, General Counsel & Legal Professionals, BSA Officer, Compliance & Risk Professionals, Business Development & Relationship Banking 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 analyze 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: All Credit and Lending Professionals, All Risk Professionals, Bank Director

Human Resources & Staff Training

How To Recruit and Retain Minority Talent

With our greater awareness and understanding of racial inequality in this country, we have seen many financial institutions seek to improve the hiring, promotion and retention of minority employees.
In this session, we will explore how to improve the recruitment of minority talent, how to develop this talent over time and how to ensure that we retain this talent.
Historically, the emphasis on hiring minority talent without improving the organizational culture to provide a sense of inclusion and belonging has proven problematic.
This session will affirm why a diverse workforce and inclusive culture delivers better business and financial outcomes.

Who Should Attend: Senior Leaders, Departmental Leaders, Hiring Managers, Human Resources Leaders, DEI Officers

Legal & Regulatory Compliance

An Update on AB 3088 and the other new Rent Control Laws Affecting Evictions in California

This webinar discusses and provides important updates on California’s new eviction laws,  as well as many of the other California state laws and federal moratoria currently affecting evictions in California. We will discuss when and how the current laws apply (and if they still apply), what ambiguities, issues and risks currently exist for residential landlords and for property owners, and the best way to approach rent and evictions under these new laws.  With this area of law being so fluid and uncertain, it is important to get the most up-to-date information possible to better ensure that any acts taken are in compliance with state and federal law.

Who Should Attend: Credit & Lending Professionals, Compliance Professionals, Risk Professionals

Legal & Regulatory Compliance

The California Privacy Rights Act of 2020 – How does it apply to Financial Institutions?

The passage of Proposition 24 enacted the California Privacy Rights Act of 2020 (“CPRA”) which revised the California Consumer Privacy Act of 2018. The CPRA creates a new agency, the Consumer Privacy Protection Agency, with a $10 Million annual budget to enforce the statute. It also expands the rights of consumers and the corresponding obligations of businesses with regard to the collection, disclosure, maintenance and use of consumer personal information. Excluded from the scope of the CPRA is personal information that is subject to the Gramm-Leach-Bliley Act (“GLBA”).  It is incumbent on financial institutions to first determine what personal information it collects and maintains that is not subject to the GLBA and then establish procedures to comply with the requirements of the CPRA with respect to such non-GLBA personal information. 

Who Should Attend: CEO, Risk Officer, Chief Operational Officer, Director, Legal

Credit & Lending

Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly!

Ratios, ratios, and more ratios! What do they really mean? Many financial professionals including bankers use financial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret the ratios in the same manner? Attend this proactive webinar and learn a “five-step” analysis plan including liquidity, activity, leverage, operating performance, and cash flow analysis which will clarify and “unify” this often confusing financial subject. Upon completion of this webinar, the bank employee will be able to better negotiate with their business clients as well as other financial professionals.

Who Should Attend: Commercial Lenders, Credit Analysts, Loan Documentation Specialists, Branch Managers, Assistant Branch Managers, Private Bankers, and Business Development Officers

IT, Technology, & Operations

Digital Transformation for Business and Corporate Banking

Business and corporate banking is about to see a wave of innovation that has already hit the retail banking world, and will bring substantial opportunity as well as increased competition. 

In this webinar, we will provide context to the emerging technologies and explain the latest trends in commercial banking that affect deposits, lending and BSA so you have a framework to assess your digital strategy. 

The world is changing faster than ever. With rapidly growing FinTech and tech companies offering banking services, the next frontier of competition will be on the commercial banking side. Now the time to get ahead of this.

Who Should Attend: C-Suite, Business Bankers, Commercial Lending, Relationships Managers, Head of Compliance/Risk

IT, Technology, & Operations

Applying Artificial Intelligence to Small Business

Artificial intelligence technology is enabling new approaches to small business lending, which has historically been challenging for lenders to operate efficiently. In this webinar you will see how AI can automate underwriting and enable real-time portfolio monitoring. In an unprecedented downturn and recovery cycle, traditional approaches to SMB lending are inadequate; luckily new approaches and tools are available.

Who Should Attend: Lending Professionals, Credit & Risk Professionals, Digital Transformation Professionals  

Finance & Accounting

The Rollercoaster of 2020 and its impact on the Capital Markets: A Timely Update for Community Banks

The capital markets have, understandably, experienced a rollercoaster this year as a result of the COVID-19 pandemic and the presidential election, among other impactful economic news releases and events.  This webinar will provide an opportunity to see and discuss, the impact, the recovery and the potential future effects as it pertains to the following:
Community Bank Capital Raising
Community Bank Mergers and Acquisitions

The 2020 economy has experienced enough ups and downs to last a lifetime, including an unprecedented pandemic, rate decreases and political unrest.  Separately, each can have a profound impact on the economy; however, together these events can cause a significant disruption.  This webinar will help make sense of these changes and its impacts on strategy regarding capital raising, M&A and hedging. 

Who Should Attend: CEO, CFO, President, Bank Director, Board Chairman

Credit & Lending

Mortgage Lending In and Beyond the COVID Crisis

The COVID crisis has had enormous impact on mortgage lending and servicing. Banks have had to implement federally, state, and locally mandated mortgage forbearance and deferment programs, and foreclosure and eviction moratoria. Meanwhile there are concerns that many borrowers will not be able to meet mortgage obligations once their forbearance periods expire. Even if the COVID emergency abates as vaccines become available, many of the emergency restrictions and programs will remain in place. This program will examine all of the issues arising from these unprecedented events.

Who Should Attend: C-Suite Officers, Credit, Mortgage, and Business Development Professionals, Finance and Accounting Professionals, Compliance, Risk, and Legal Professionals

Credit & Lending

Credit Risk Discipline Tools – Implementing 14 Tools for Credit Risk Management

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. Some 14 credit discipline tools help management to implement, maintain, and ensure that credit risk and the credit culture stay on track. Join Dev Strischek as he offers a credit discipline tool checklist and explains how each of the tools works.

Who Should Attend: C-Suite, All Credit Professionals, All Risk Professionals, Bank Director

Credit & Lending

Mechanics Liens: Construction Lenders’ Beware

Ignoring a mechanics lien could result in a loss of your lien priority. In this webinar, we will discuss how to minimize risk associated with mechanics liens on construction projects. There has been a noticeable increase in the number of mechanics liens being recorded on construction projects, which can result in a construction lenders’ nightmare if not addressed properly. 

Who Should Attend: Lending Professionals, Construction Loan Professionals

Credit & Lending

How Will the Current Crisis Impact Allowance for Credit Losses?

While financial institutions navigate the current economic storm brought on by COVID-19, an inevitable question arises: how will the current crisis impact my allowance for credit losses? In this presentation we will go over the timing and impact of CECL, how the current state of the economy has complicated concerns associated with COVID-19, and its potential impact to estimates for expected credit losses and Q&E adjustments in both the current ALLL and future CECL models.

Who Should Attend: CEO, President, All Credit Professionals, Bank Director, Board Chairman

Legal & Regulatory Compliance

Banking Cannabis; California’s Largest Cash Crop

Understanding cannabis banking regulations and reality with the General Counsel of DFPI, the former Commissioner of Banking at DFI (now DFPI), and a cannabis banker. This discussion will address the regulations, laws, and pending federal legislation that allows financial institutions to provide financial services to state-licensed cannabis businesses. Banking the state-legal cannabis industry is currently possible and profitable but requires rigorous compliance, Customer Due Diligence (CDD) and robust Know Your Customer (KYC) systems and processes. 

Who Should Attend: C-Level Officers, General Counsel & Legal Professionals, BSA Officer, Compliance Professionals, Business Development & Relationship Banking Executives 

Human Resources & Staff Training

Succession Planning and Mentoring for Future Leadership

We’re turning succession planning on its head in this highly requested workshop. It is seldom smooth. You have a handful of likely successors. It’s not magic-it’s planning! Disaster recovery plan- Someone wins the lottery or cashes in their chips. Now what? How do you cover that? Fractioning off the rest of the job role. Pay to bring in someone from outside. Are you prepared if someone in leadership leaves? Do you have the important succession planning steps in place? Are you ready to develop, train and promote staff?

Who Should Attend: Executives (President, CEO, CAO), HR Professionals

Legal & Regulatory Compliance

Cannabis Banking: Fine-Tuning Your Risk Assessment

Today, some form of medical or recreational marijuana is legal in 35 states, and the U.S. legal market is projected to be worth upward of $33 billion by 2025. As the pandemic continues to put pressure on bank earnings, cannabis businesses can be a valuable source of non-interest income in the current environment – and low-cost deposits when the economy rebounds.

This webinar, led by Tony Repanich, Chief Operating Officer of Shield Compliance, will focus on how banks can assess and manage cannabis banking risk. Tony will be joined by cannabis banking experts Deirdra O’Gorman, CEO of DX Consulting, Dante Tosetti, Special Adviser for West Coast AML Services, and Ruth Razook, founder of RLR Management Consulting.

While a few pioneering bankers have embraced the fast-growing cannabis industry, now is the time for Western bankers to deepen their knowledge of this opportunity, grow their portfolios, and gain an early mover advantage on new relationships.

Who Should Attend: CEO, COO, Chief Banking Officer, Compliance Professionals, Board Members, Risk Professionals, BSA/AML Officer

Credit & Lending

How to Build and Maintain a Strong Credit Culture

Investors and regulators, clients and customers, employees and stakeholders all have vested interests in your organization’s credit culture. Is it conservative or aggressive, profit-minded or production-oriented?  The market puts a higher capitalization on organizations with strong credit cultures and high credit quality, so it is worth your while to identify your current culture and find out how to make it stronger.
The optimal culture is led by management that prioritizes credit quality and says so regularly. Lenders and credit approvers work together; there are few credit policy and loan documentation exceptions.  Risk appetite and risk tolerance are in balance as the organization executes its credit strategy.  Credit policy, processes, and procedures are in sync. This session will describe and explain the key elements needed to build, implement, and maintain this strong, optimal culture.

Who Should Attend: CEO, President, All Credit Professionals, Loan Review Officers, All Lending Professionals, Bank Director, Board Chairman

Credit & Lending

Credit Analysis Basics

Attend this proactive webinar and learn how banks make lending decisions based on the five (5) C’s of credit- capacity, capital, collateral, conditions, and character! The webinar will cover the basics of the three (3) main areas of bank lending- consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real life “case studies.” The attendee 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: Credit Analysts, Loan Assistants, Consumer Loan Officers, Residential Loan Officers, Relationship Managers, Loan Documentation Specialists, Branch Managers, Private Bankers, and Business Development Officers