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Scenario Planning, M&A, & Strategic Options: The New Defensive Playbook

Community banking has changed dramatically in the last 10 years: yields are down, deposits are scarce, and economic headwinds are erratic. All too often, the largest banks are setting the paths that smaller banks must follow. Traditional operating methods that worked in the past can no longer make a difference in turning the situation around. The only true option that works is

IT, Technology, & Operations

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

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

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

Legal & Regulatory Compliance

Industrial Hemp Businesses: Risk Management Best Practices

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

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

IT, Technology, & Operations

Top Exam Trends in Cybersecurity

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

Who Should Attend: Risk Professionals, Cybersecurity Professionals

Human Resources & Staff Training

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

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

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

IT, Technology, & Operations

Growth Strategies in the New Bank

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

Who Should Attend: Chief Executive Officer, Chief Operating Officer

Credit & Lending

Detecting a Problem Loan Before It Becomes a Problem

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

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

Human Resources & Staff Training

New Year, New Goals

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

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

Legal & Regulatory Compliance

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

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

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

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Rise of Fintechs: Threat or Opportunity?

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

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

Legal & Regulatory Compliance

Website Accessibility Issues Under the ADA

In recent years, the loan origination and servicing industry have been hit with a wave of lawsuits and demand letters from law firms representing blind individuals claiming they were denied the use of various originator and servicer websites because those websites failed to comply with ADA standards for accessibility to individuals with disabilities.

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Seven Lessons Learned in Contract Negotiation

Join this webinar for a description and a discussion about the seven most common areas where contract negotiation lessons have been learned, again and again. With the use of real-life examples, banking executives will not only learn from other’s mistakes, but may also find gains where many have lost.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Bank Counsel, Compliance Officer, Vendor Management Officer

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Navigating Wholesale Funding Options

Three years into a tightening monetary policy, and the question now is: will the Fed continue to raise rates in 2019 or pause based on recent domestic and global uncertainty, and what effect will that having on funding opportunities? In this webinar, bankers will learn how to understand the complexities of wholesale funding in order to achieve their desired goals. With economic optimism and an active Fed policy creating increased pressure on liquidity, it will be important for banks to look to alternative sources of funding and how they behave throughout different economic cycles.

Who Should Attend: Chief Executive Officer, Chief Operations Officer, Chief Financial Officer, VP of Finance, Controller

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How to Analyze Profitability Like a Pro

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

Who Should Attend: Chief Credit Officer, Chief Financial Officer, Senior Loan Officer, Loan Officer, VP Accounting, Controller

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Universal Banker: SWARM Banking & Branch Transformation

A holistic service approach that focuses on the customer experience can drive efficiency through the entire organization. Extraco’s SWARM Banking™ is more than a cross training, rotation, and technology method used to create a successful universal banker in this new bank era. In this webinar, discover a proven methodology with measurable results.

Who Should Attend: Operations Administrator, Operations Manager, Training & Development Manager, Training Coordinator, Universal Banker

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Unconventional Wisdom to Grow Core Deposits

Retail banking is still a great business if there isn’t an allowance of flawed analysis to lead to bad decisions. When banks begin executing an omni-channel approach to marketing – big data, digital solutions, geographic relevancy – and align people, products, policies and procedures – positive results follow. In this fast-paced session, learn how to double overall new customer acquisition and why that can result in a significant improvement in ROA and ROE over time.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Director of Marketing, Marketing Strategist

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Basic Personal & Business Tax Return Analysis

Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. This webinar will concentrate on personal tax return analysis with a focus on the analysis of various business tax returns. Attend this proactive webinar and gain an understanding of the often complex and confusing topic of taxes!

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

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Practical Guide to Application Analytics

Bringing in quality loan applications isn’t always easy, but analyzing them for traits to help increase approvals can be. This webinar takes a look under the hood of loan origination systems, reviewing several practical ways to put loan application data to use to make better underwriting decisions. Tune in to review time-to-decision analysis, trending analysis, key ratio analysis, disposition reporting, and “what if” scenarios.

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

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Ten Strategies for Maintaining Independence in a Consolidating Environment

This fast-paced session will present the tools every bank needs to plan and prepare for independence in the future, including 10 fundamental strategies for remaining an independent community bank in a consolidating environment. In this webinar, learn about the necessity of being proactive, setting forth a strategy of independence, focusing on core profitability, ensuring optimal organizational structure, appropriately dealing with management and board succession, and other important issues.

Who Should Attend: President, Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Director

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2019 Updates to California’s Homeowner Bill of Rights Statutes: Are You in Compliance?

California’s Homeowner Bill of Rights statutes, with original versions enacted in 2013, were modified effective 2018 and 2019 and set forth pre-foreclosure and foreclosure servicing requirements for loan servicers. In this webinar, learn how these statutory provisions have changed and how the changes impact an organization as servicer and/or owner of residential mortgage loans. These California statutes include private rights of action for violations and are in many cases more borrower-friendly than applicable federal loan servicing statutes; therefore, they must be addressed in conjunction with the CFPB Rules to ensure compliance at the state and federal level.

Who Should Attend: Chief Credit Officer, Mortgage Loan Officer, Chief Compliance Officer, Auditor

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Pipeline Builder Series: Creating Quality Warm Introductions

Referrals from traditional COIs is the primary way most bankers get new business; yet, these sources of referrals represent less than five percent of a banker’s total network. This webinar will provide a number of different strategies for generating quality warm introductions.

Who Should Attend: Relationship Manager, Business Development Officer, Loan Officer, Branch Manager

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Secondary Repayment Sources – Collateral and Guarantees

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

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

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What Exactly is a “Reasonable and Supportable” Forecast?

The forecasting requirement in CECL has been one of the most controversial and misunderstood aspects of the new CECL accounting standards update; nevertheless, it is one of the key changes that all banks, regardless of size, will need to incorporate in their allowance calculations. In this webinar, there will be discussion surrounding the two key aspects of economic forecasting: how to generate forecasts and how these forecasts translate into adjustments to the base loss rate.

Who Should Attend: Chief Financial Officer, Chief Credit Officer, Senior Loan Officer, Controller

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Subjective CECL: Adjustments and Forecasts Under the CECL Model

As institutions approach the transition from the incurred loss model to the current expected credit loss model for estimating the ALLL, there are many questions surrounding the subjective aspects of the new standard. This webinar will look at the relationship between qualitative adjustments and “reasonable and supportable” forecasts under CECL estimates and key considerations for how institutions will apply them.

Who Should Attend: Chief Financial Officer, Chief Credit Officer, Senior Loan Officer, Controller

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Learn Why Banks Outsource

Outsourcing is defined as “the strategic use of outside resources to perform a task that is traditionally handled by the banks internal staff and resources.” In this webinar, learn what a bank can do when a file for a commercial equipment loan does not meet the guidelines of the credit department. Explore requirements for successful outsourcing and how to reduce expenses to give banks a competitive advantage over larger institutions and ultimately become a valued business partner with a third-party.

Who Should Attend: Chief Credit Officer, Credit Administrator, Commercial Loan Officer, Commercial Account Manager, Construction Loan Officer

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Executive Total Compensation – Strategies to Motivate and Incent the Right Behaviors

Learn the primary elements of the executive total compensation package and how these elements can be utilized to motivate and incentivize members of the senior leadership team to effectively achieve the bank’s strategic goals. In this webinar, examine the current compensation environment and trends in the use of short- and long-term incentive plans, as well as executive benefits and perquisites that are commonly found in community and regional banks. Understand how to incorporate applicable regulatory guidelines and explore important updates.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Human Resources Director, Director