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
Middle Market Credit Lending Trends and Analysis
Join an analytics expert for this webinar that will provide an update on the state of middle market lending, which sectors seem to be deteriorating faster than others, and how the latest and greatest advances in AI can be leveraged to identify other early indicators of credit deterioration. Discussions will include an update to the oil and gas analysis and show how things have changed since the 2015-2016 turmoil in that sector.
Who Should Attend: Credit & Lending Professionals, IT Manager, Information Technology Officer
They’re Back – Problem Loans – Know When to Hold Them and Fold Them
As the economy slows and starts to expose weaknesses with some bank borrowers, banks are starting to experience some credit problems. Now is the time when smart bankers seize the opportunity to prune their portfolio either by forcing potential problem borrowers to address weaknesses in their businesses or encouraging them to find other lenders. The 10-year expansion means that bankers with less than 10 years’ experience have not had much exposure to problem loans, so their ability to identify them, evaluate them, and manage them is probably very limited. This webinar is designed for line lenders with some basic commercial lending experience and credit personnel who are responsible for identifying potential problem loans, who take the first steps to protect the bank’s position, and who begin the processes to resolve the problem.
Who Should Attend: Credit Officer, Lending Officer, Risk Officer, Commercial Lending Officer
Lending through the Business Cycle
As bankers and borrowers work through the business cycle, lenders who are cycle savvy can help their clients meet their credit needs through the cyclical phases. This session explains how those needs change from one phase to the next and how lenders can give clients what they need. In this session, lenders learn how to anticipate their clients’ credit needs to help them survive the challenges associated with expansion and contraction. Webinar attendees will be able to identify the industries and borrowers most vulnerable to downturns and those less susceptible to recession.
Who Should Attend: Lending Professionals, Credit Professionals, Retail Banking Professionals
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
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
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
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
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
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
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
Basic Personal & Business Tax Return Analysis
Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this webinar will concentrate on personal tax return analysis while the second part will focus on the analysis of various business tax returns. Attend this proactive webinar to gain an understanding of the often complex and confusing topic of personal and business tax forms.
Who Should Attend: Commercial Loan Officer, Credit Officer, Universal Banker, Lending Officer
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: Executive Director, IT & Technology Professionals
Why EBITDA Doesn’t Spell Cash Flow & What Does
EBITDA is a non-GAAP indicator of cash flow widely used by market analysts and bankers, but it is a poor measure of cash flow repayment ability. This webinar explains why EBITDA fails to measure cash flow accurately and offers guidance in accurate cash flow measure. This webinar will provide attendees with clarity regarding EBITDA and cash flow repayment.
Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Credit Analyst , Business Development Officer
Where Are You at In Your CECL Journey: Part 1
Yes, the deadline has been extended, but the need to begin the journey to CECL adoption is now! In this two-part webinar series, understand how to prepare for and successfully implement CECL. In Part 1, explore an overview of the key steps for implementing CECL while also covering in-depth topics on how to ready data, how to segment the portfolio, and how to calculate allowances. In Part 2, discussion will continue on key steps for implementing CECL. Understand in-depth topics on how CECL will impact an allowance, how to prepare disclosures and key reports, and how to assess CECL’s overall impact on an organization. These sessions are for anyone serving on a CECL committee and anyone else who wants to understand how to prepare for and successfully implement CECL.
Who Should Attend: Chief Financial Officer, Chief Credit Officer, Senior Loan Officer, Controller
Creating Impressionable Customer Experiences
One of the simplest ways to create impressionable customer experiences is to showcase financial expertise at every customer interaction. Webinar participants will explore the relationship between employee confidence and exceptional service. Relevant topics to be discussed include financial literacy facts & fears, perspectives by generation, and training program solutions.
Who Should Attend: Training & Development Professional, Branch Administration Leadership, HR Professionals, Executive Director
UCA Cash Flow
This 90-minute webinar will explore different cash flow methods and will help participants understand how a company repays its loans from cash flow. The differences between EBITDA and UCA cash flows will be discussed, including a historical view of why cash flow has become so important for lenders; tools will be provided to effectively evaluate a borrower’s financial strength and ability to repay its loans, and the impact to a borrower’s ability to repay from industry, business, and management risk issues will be assessed. As loans are intended to be repaid from cash flow, it is important to understand the various ways cash flow can be calculated, and this webinar provides the roadmap for a reasoned approach in which to conduct this analysis.
Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Credit Coordinator, Credit Analyst, Junior Loan Officer
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 as important. This webinar will cover the credit decision process, potential collateral assets, and key underwriting principles.
Who Should Attend: Commercial Loan Officer, Retail Loan Officer, Junior Loan Officer, Underwriter, Business Development Officer, Credit Administrator
Avoiding Pitfalls Associated with Collecting Rents, Seeking a Deficiency Judgment and the One-Action Rule
With loan default inevitably on the rise, lenders need to understand the risks and rewards associated with collecting rents, judicially foreclosing and avoiding costly violations of California’s One-Action Rule. In this webinar, attendees will explore each of these available remedies that will provide the tools necessary to decide which route to take while being walked through the process. Participants will leave the session with a firm understanding of their options when a loan goes into default.
Who Should Attend: Chief Credit Officer, Compliance Officer, Commercial Loan Officer, Consumer Loan Officer
Strong Third-Party Risk Management (TPRM) Practices – Part I: Program Governance
This session, as the first of three in a series, will focus on best practices and regulatory expectations for strong programs to manage the risks associated with third-party relationships within community banks. The webinar will focus on overall program governance, including: roles and responsibilities, policies and standards, overall due diligence, monitoring and reporting, and vendor decommissioning.
Who Should Attend: Vendor Management Officer, Risk Officer, Operational Risk Officer, Compliance Officer
Where Are You at In Your CECL Journey: Part 2
This second part in the CECL journey series will focus on key steps for implementing CECL. In the first session, webinar attendees were presented the foundation for implementing CECL. This session will elaborate on CECL Implementation strategies. This session will help attendees understand in-depth topics on how CECL will impact an allowance, how to prepare disclosures and key reports, and how to assess CECL’s overall impact on an organization. These sessions are for anyone serving on a CECL committee and anyone else who wants to understand how to prepare for and successfully implement CECL.
Who Should Attend: Chief Financial Officer, Chief Credit Officer, Senior Loan Officer, Controller
Capitalizing on the Green Rush: Effectively Banking MRBs
In this session, learn how a bank can effectively enter the MRB space with policies, procedures, and the use of specific technologies to meet regulatory compliance requirements. This session will be led by a seasoned federal and state law banking attorney who will shine insights into policies, procedures, risk assessments, regulator communications, fee schedules for taking the risk, and the speaker’s personal experiences in establishing a program in 2014 at a commercial bank that is still banking MRB’s with its regulators’ knowledge and oversight.
Who Should Attend:
Business Banking Officer, Retail Banking Leaders, Risk Professionals, Operations Professionals, Legal and Regulatory Compliance Professionals
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 the 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: Commercial Loan Officer, Consumer Loan Officer, Credit Coordinator, Credit Analyst, Junior Loan Officer
Strong Third-Party Risk Management (TPRM) Practices – Part II: Vendor Due Diligence
In this second session in a series of three on third-party oversight, the focus will cover best practices for due diligence around various types of third-parties, both initially and on an ongoing basis. Emphasis will be placed on emerging risk areas and managing third-parties where due diligence materials may not be readily available.
Who Should Attend: Risk Officer, Operational Risk Officer, Vendor Management Officer, Compliance Officer
Customizing Long-Term Incentives for Your Bank
In this webinar, explore different long-term incentives utilized in the banking industry, including real and “synthetic” equity vehicles. Learn about three case studies that demonstrate how a closely held bank, a widely held private bank, and a public bank might utilize equity-based awards. For each case study, the presenters cover strategy, types of equity used, granting methodologies, and discuss how each bank customizes long-term incentives to best fit their organization.
Who Should Attend: Chief Executive Officer, Chief Operating Officer, Human Resources Officer, Engagement Specialist
Ratios & Covenants — What, Why, & When?
This webinar will discuss credit risk as it relates to ratios and covenants. Additional discussion will cover the “triple trinities” of purpose, repayment ability, and structure. Hear how credit risk varies and how to create covenants and ratios that will protect the bank by helping to ensure that the borrower will repay on time, in full, and as agreed. This session summarizes key elements of knowing the customers and red flags you need to look for.
Who Should Attend: Commercial Loan Officer, Retail Loan Officer, Junior Loan Officer, Business Development Officer
Credit Analysis Basics
Attend this proactive seminar and learn how banks make lending decisions based on the five (5) C’s of credit- capacity, capital, collateral, conditions, and character. The seminar will cover the basics of the three (3) main areas of lending- consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real life “case studies.”
This webinar will also provide exposure 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: Commercial Loan Officer, Credit Officer, Universal Banker, Lending Officer
Advanced Financial Statement and Tax Return Analysis
Attend this proactive seminar and learn a comprehensive approach to financial statement and cash flow analysis. This session will analyzing the four financial statements – income statement, statement of retained earnings, balance sheet, and statement of cash flows. The webinar 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.
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