Webinars
Webinars
Webinars, offered through Western Bankers Association, are an extensive suite of online webinar training that enable bankers to enjoy flexible and cost-effective education across all critical areas of banking. Webinar topics such as payments, retail banking, compliance, finance, lending, technology, HR, M&A, compensation, directors issues and more, are covered in a comprehensive, and easily accessible format.
Benefits of Webinars
Educational webinars address timely issues facing independent bank professionals. From the convenience of your desk, these 60-minute webinars provide you with a cost-effective way to stay abreast of industry information and trends affecting banks, as well as provide the bank with a low-cost option to effectively train and educate their directors.
2019 Playback Library
Click here to access our 2019 playback library.
Professional Development Specialist
Montana Townsend
(916) 438-4427
mtownsend@westernbankers.com
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.
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
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
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
Advanced Financial Statement and Tax Return 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
Macro and Micro Musings on US Economy
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
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
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
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
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
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.
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
Competing For Loans – Winning with Swaps
Competition for commercial loans is challenging. Bankers with access to the right tools are more likely to win the right deals. Customer swaps, sometimes called back-to-back swaps, are one the best tools available. In this webinar, bankers will see how swaps are a tool with greater flexibility and prepayment characteristics than traditional fixed rate loans. Swaps are no longer for big banks – increasingly, community and regional banks are making use of swaps as well.
Who Should Attend: Commercial Lending Officers, Business Lending Officers, Chief Lending Officers
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
Turning up the Heat: Board Fiduciary Duty Update
Bank boards of directors arguably have unique fiduciary duties. In this session, the focus will be on recent developments in fiduciary duties for directors of banks and bank holding companies. This topic is particularly important given the present economic cycle, the burgeoning environmental and social governance (or ESG) movement, the recent adoption of CECL, enhanced regulatory focus on credit portfolios, and continuing focus on strategic transactions to enhance shareholder value.
Who Should Attend: Chairman, Director, President, Chief Executive Officer, Counsel
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
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
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
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
CRE Concentration Management
Many elements of an effective CRE risk management framework may already be in place; if not, it is crucial to identify gaps and create a plan to address them. This webinar will present a holistic view of the framework for regulators and challenge bankers to consider their bank’s strategy in light of current market conditions and portfolio trends.
Who Should Attend: Chief Credit Officer, Chief Risk Officer, Commercial Loan Officer, Business Development Officer, Junior Loan Officer
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
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