2021 Playback Library

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