Webinars

Overview

WiBinars

WiBinars, offered through Western Independent Bankers (WIB), a division of the Western Bankers Association, provides an extensive suite of online webinar training that enables bankers to enjoy flexible and cost-effective education across all critical areas of banking. WiBinar topics such as payments, retail banking, compliance, fi­nance, lending, technology, HR, M&A, compensation, directors issues and more, are covered in a comprehensive, cost-effective and easily accessible format.

Benefits of WiBinars

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.

For questions regarding webinars, please contact Montana Townsend at (916) 438-4427 or mtownsend@westernbankers.com. 

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HMDA Data Integrity – Leveraging Technology to Ensure Your HMDA Data Is Accurate

Ensuring the accuracy of the Home Mortgage Disclosure Act (HMDA) data has always been a challenge. Regulators expect HMDA data to be accurate by using a system of policies, procedures, training, and ongoing monitoring. Leveraging technology to perform ongoing periodic reviews of HMDA data can help manage that risk and help ensure accuracy. Assuring HMDA data integrity, whether manually or through systemic testing should be an integral part of the ongoing monitoring process.

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California’s New Consumer Privacy Act and Its National Effect

The California Legislature passed a comprehensive privacy measure known as the California Consumer Privacy Act of 2018. This act establishes rights for consumers relative to knowing the personal information a business collects on them, grants a right to delete their personal information, dictates whether a business can sell their personal information, and prohibits discrimination in the offering and pricing of services based on the consumer’s exercising their rights. In this session, the act will be discussed, including its effect on the banking industry nationwide.

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Recognizing Toxic Culture & Creating Change

Throughout the financial services industry, there is growing awareness that culture is critical to the customer experience and organizational achievement; yet bankers don’t have to look far to see examples of how a toxic culture can diminish productivity, disturb customers, and derail success. At a time when staff roles are evolving, senior talent is leaving, and workforce requirements are changing, a vibrant culture doesn’t happen without effort. This WiBinar will share the practical, everyday practices that bank leaders can utilize to avoid workplace toxicity and create a team that can adapt to change.

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Preparing for the 2019 Proxy Season

It’s time for public companies to prepare for the 2019 proxy season. For those banks that are not public now but are considering going public in the future, gain a better understanding of how to prepare for this process. In this webinar, learn how to file the required SEC filings and address shareholders’ and advisory firms’ concerns. Get the latest information about SEC requirements, shareholder advisory firm scorecards and standards, and investor expectations.

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Navigating the Storm: Disaster Contingency and Post-Event Strategies

Disasters in the U.S. in the last several years have affected thousands of homes and businesses, which brought challenges such as how to survive without electricity, water, sanitary services, natural gas or cable.  Banks throughout the U.S. have been faced with decisions, including when to reopen branches located in evacuation zones, and disaster contingency plans have been tested as never before.
 

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The 5 Cs of Credit

The 5 Cs of Credit teaches bankers that a borrower’s repayment ability depends on capacity, collateral, capital, conditions, and character. The first four measure ability to repay, but character assesses willingness to repay. Both KYC (know your client) and fraud prevention have become more critical in mitigating credit and operational risk. This webinar summarizes key elements of knowing the customers and identifies red flags.

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The Basics of Commercial Lending

This webinar will introduce participants to the entire process involved in commercial lending. The presentation will cover topics such as investigating a new borrower, the basics of credit analysis, managing a loan after approval, basic documents, and identifying why borrowers need money, and how to structure loans to match their needs.

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CRE Multifamily Lending

Multifamily lending is in high demand today. This webinar will expose participants to all aspects of multifamily lending. Important issues will be covered in relation to physical property, how property values are derived, and what influences values. Additionally, a discussion will cover how multifamily loans are underwritten and how to monitor a CRE loan over its life.

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Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly!

Many financial professionals 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 discover a five-step analysis plan which includes liquidity, activity, leverage, operating performance, and cash flow analysis which will clarify and unify this often confusing financial subject. The presentation will also include a case study and a review of spreading a financial statement using the Moody’s Risk Analyst software in order to analyze key ratios.

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Commercial Loan Structuring

Borrowers borrow money to solve problems that are either good or bad. In this webinar, examine the importance of appropriate commercial loan structures and their influence on timely repayment. The discussion will include identifying cause-and-effect, matching purpose to repayment source, and ways to reduce risk.

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Identity Theft Red Flags

Astonishingly, 16.7 million US consumers were victims of identity theft as of 2017, a rise of 8% from the previous year. In this webinar, discover how to identify red flags using an ID theft/red flags program and risk assessment. Develop insight into not only detecting red flags, but also identifying covered accounts that may be affected by ID theft. In addition, discuss appropriate responses to an ID theft event, and receive a summary of different elements to support an effective ID theft program.