Webinars

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

Bankers know that cash flow repays loans, but history doesn’t always repeat itself. Cash flow projections force borrowers to think about their futures, and it is reasonable to expect a borrower to prove that it can repay a proposed loan based on projected cash flow. A cash flow projection requires the balance sheet and income statement to be projected, too, and the links among balance sheet, income statement, and cash flow are critical assumptions to be tested and validated.

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

In the third and final session of the series, the focus will be on how to effectively monitor and report on third-parties, both individually for higher tier/higher risk vendors. Additionally, for the bank’s portfolio of third-parties overall, this session will provide the board and senior management with a clear understanding of the bank’s overall third-party risk profile and related key risks.

Who Should Attend: Risk Officer, Operational Risk Officer, Vendor Management Officer, Compliance Officer

Over the past several years, the community banking industry has been hyper-focused on building its digital presence under the mistaken assumption that this is the most important factor for retaining and attracting younger customer demographics. In this webinar, examine the reality of customer expectations across all age demographics in this digital era and the necessity to focus equally on digital and branch experiences. Attendees will take a look at the strategies that institutions are pursuing to identify whether or not customer demands are truly being met in both the digital and physical environments.

Who Should Attend: Operations Administrator, Director of Marketing, Digital Marketing Coordinator, Product Developer, E-Channel Manager, Universal Banker

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

The 5 Cs of Credit teach bankers that a borrower’s repayment ability depends on capacity, collateral, capital, conditions, and character. The first four measure the ability to repay, but character assesses willingness to repay. The Great Recession was an eye-opener in the greater unwillingness of borrowers to repay their obligations. 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 identifying red flags.

Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Mortgage Loan Officer, Junior Loan Officer, Business Development Officer, Branch Manager

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

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

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