Webinars
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 Glenn Younger at (916) 438-4433 or gyounger@westernbankers.com.
Managing a Fixed-Income Portfolio
Managing a fixed-income bond portfolio is more than just picking a bond. Portfolio managers should rely on a thorough investment process that lays the foundation for generating superior risk-adjusted returns over a long-time horizon. This WiBinar will discuss the key components that make up a thoughtful investment process and decision-making framework.
TRID Compliance: Tricky Spots, Common Errors, & Recent Amendments
There are many lingering trouble spots in complying with the Integrated Disclosure Rule. This WiBinar will highlight the key provisions of the July 7, 2017 TRID Amendment and where the CFPB stopped short. The session will cover a concurrent proposed amendment issued in July 2017 and share some insight into how the regulators are approaching TRID in compliance exams.
Key Ratio Analysis
Ratios, ratios, and more ratios! Many financial professionals including bankers 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?
Achieving Card Portfolio Growth
To create new revenue streams for their institutions, bankers must learn how to leverage data and develop strategies to help grow payments portfolios, including ways to increase non-interest income associated with debit and credit card programs and build loyalty.
Creating the Bank’s Risk Appetite for Success
Boards and management are consistently challenged with questions such as: what goes into a risk appetite statement, how to decide how much risk the bank is willing to accept and where, and how to achieve strategic objectives and initiatives within acceptable risk parameters.
Outsourcing to Increase Efficiencies
Today, banks are looking to increase efficiencies through outsourcing or leveraging technology to streamline processes and minimize the need for additional staff; however, such goals can only be achieved if sufficient due diligence is done before the contract is signed.
Fintech: Friend or Foe
In an environment with compressed margins and changing demographics, are rapidly changing financial technologies, or fintech, an opportunity for community financial institutions or a threat? This WiBinar will present key examples of how fintech is disrupting the industry and the ultimate impact it may have.
Seven Secrets of Consistently High-Performing Financial Institutions
To achieve and maintain a high performance rating, institutions must have an above average efficiency ratio. This WiBinar features the seven key attributes driving consistent high performance, noting that above average operating efficiency plays a critical role. Learn about the characteristics and operating approaches of highly-efficient financial institutions and the inter-relationships between high income and low costs.
CECL Simplified: All of the Method, None of the Madness
Community bank executives need confidence in meeting CECL compliance requirements within the scope of their resources. This WiBinar will provide workable solutions for community banks on compliance issues that align with the complex new accounting requirements and that fit the resources and capabilities of most banks.
Introduction to HSAs
Learn how to manage the bank’s HSA program more effectively. In the WiBinar, explore the fundamentals of HSAs and basic HSA compliance rules. This course also reviews HSA benefits, documentation and reporting requirements, contribution rules and limits, eligibility requirements, portability rules, and the difference between qualified and nonqualified distributions.
Understanding and Controlling UDAAP Compliance Risk
Understanding and assessing UDAAP risk can be a challenge for any compliance management program. Attendees will benefit from gaining an overview of UDAAP, key steps in developing a UDAAP risk assessment, and helping operational staff understand UDAAP.
Secondary Repayment Sources Series – (Full Two-Part Series)
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.
Secondary Repayment Sources Series – Part 1
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.
How Smaller Banks Can Overcome Automation Implementation Challenges
Smaller banks face challenges in identifying opportunities for business process automation, assessing the operational and financial impacts of automation, and creating a long-term automation roadmap.
Secondary Repayment Sources Series – Part 2
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.
How to Fix Policies & Procedures to Reduce Exceptions, Increase Efficiency, and Achieve a True Universal Banker Model
Unclear, out-of-date, and hard to find policies and procedures are a driving cause of exceptions, risk, and inefficiency at banks today. Register to learn current insights, key trends, and best practices for fixing bank policies and procedures – and their lasting impacts – to achieve a true universal banker model. Throwing money at technology will only get a bank halfway there; learn the hidden secret to fixing the problem once and for all.
Current Regulatory Hot Spots
Regulators have shifting areas of emphasis and evolving expectations as to how banks address risk management challenges and implement best practices. In this WiBinar, identify areas of examination criticism based on a review of Safety & Soundness and Compliance Examination reports, and augment that with how to address current regulatory “hot spots.”
Commercial Loan Documentation Basics
Develop an understanding of the standard process for documenting unsecured and secured loans. This WiBinar will examine the basic documents involved in the commercial loan process and the key elements contained in these documents.
What Customers Want – And How to Deliver It
What did more than 2,000 Americans say about omnichannel expectations, payment alternatives, and banking preferences? In this WiBinar, dig into the data from a recent CSI/Harris Poll survey that asked customers about the services and offerings they want from their financial institution. Explore the eight major survey questions, examining responses by age, income and education level.
Pipeline Builder Series: Creating Quality Warm Introductions
The bulk of lenders and relationship managers today get much their deal flow through referrals from traditional COIs such as brokers, CPAs, and customers. Almost every banker in every market has used this approach to generate new business over the past three decades.
How to Deal: New Beneficial Ownership Rule
With the new beneficial ownership rule, being on top of the changes to the rule can become burdensome and confusing, and bankers need an efficient way to deal with these continuously changing regulations.
How to Lead up in a Top-Down Industry
Leading up can be one of the greatest challenges young leaders face, but it offers enormous opportunity to add value to the bank and enhance one’s career. In this WiBinar, learn how to lead up in an industry that has historically deployed a top-down approach to management.
Transfers & Rollovers
Retirement plan portability can be confusing, not only for IRA owners and plan participants, but for financial organization personnel. The differences between rollovers and transfers and direct and indirect rollovers are just a few of the topics that will be discussed during this session. This WiBinar also touches on designated Roth account assets.
The How & Why of Valuing Non-Maturity Deposits
Given how the last decade’s interest rate environment has disguised potential rate exposure, it is critical that banks maintain a strong and effective ALM framework and IRR management program. Robust analysis and measurement of IRR underscore these programs and require accurate data, reliable assumptions, and a dynamic process that involves constant testing and model enhancement.
Rising Rates and Institutional Deposit Volatility
With continued economic optimism and an active Fed policy, bankers are in the midst of an environment not seen for a decade. Two years into a tightening monetary policy, there is a transparent agenda of planned Fed increases occurring at an accelerated pace. As the intervals of Fed movements begin to increase, the greater the pressure on institutional depositors to seek higher-yielding short-term investment options.
Appraisal Management Basics for Bankers
Regulations, including those for appraisals, are always evolving. In this WiBinar, learn about basic appraisal management requirements, when an appraisal is required, and regulatory expectations.
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 WiBinar, discover how to identify red flags using an ID theft/red flags program and risk assessment.
Development and Project Management
Project management is an often overlooked IT area, but it is one of the audit scope areas that often have the most expectations. In addition, smaller organizations often misclassify operational tasks as projects, which can result in resource misallocation. This WiBinar will explain the difference between projects and operations, as well as key controls regulators expect for project management and development, common findings, and best practice suggestions.
How to Maintain a Competitive Edge: The Importance of Integrating Stress Testing, Strategic Planning, CECL and M&A
With the many challenges facing community banks today, the time to get ready for the current expected credit loss model (CECL) is now. The driving issues – loans and deposits – warrant an analytical approach that is not only capable of recognizing, but also capitalizing on a rapidly changing banking environment.
Best Practices for Board & Management ALCO
A lender’s asset liability committee is a critical component within the institution’s risk management structure. In this WiBinar, take a deeper dive into the current challenges of effective ALCO management and learn new ways to restructure meetings to make sure the balance sheet is positioned for the coming financial landscape.
IRA Reporting
IRA reporting requirements constantly change, which is why financial organizations must stay up-to-date on the latest reporting issues. This WiBinar provides a current, in-depth review of IRA reporting requirements including required minimum distribution statements, fair market value statements, account statements, and Forms 1099-R and 5498.
Pipeline Builder Series: Using LinkedIn to Grow the Pipeline
LinkedIn is an incredibly powerful business development tool. However, most commercial lenders and relationship managers seldom leverage the capability of this social platform to develop quality new C&I business simply because they have no real plan or strategy.
Driving Engagement in Business Units
Employee engagement drives performance, employee safety, customer service, and retention. However, engagement statistics suggest less than one-third of employees are engaged at work; this suggests organizations and groups can become more effective by developing a culture that motivates employees to work towards organizational success.
The Military Lending Act
The Department of Defense (DOD) updated rules associated with the Military Lending Act (MLA) on July 22, 2015, with crucial compliance deadlines effective October 3, 2016 and October 3, 2017. Both the MLA and SCRA extend relief to active duty military members and their families.
Analyzing Funding Options
As bank loan growth continues to outpace growth in deposits, management teams are sharpening focus on sources of funding. In this WiBinar, analyze various funding options and highlight how to identify the most appropriate sources based on the bank’s balance sheet and goals.
The Basics of Commercial Lending
This WiBinar 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.
Faster & Easier Banking
Today’s bank leadership teams understand the need to improve the expediency of both the customer experience and internal workflows, but it can be difficult to know where to start, especially when it comes to enhancing workflows and shifting from physical to digital banking.
How to Develop a Strong Credit Culture
Credit culture plays a vital role in successful credit risk management. In this WiBinar, the critical elements of credit culture will be identified, including key credit discipline tools and the four types of credit cultures. Attendees will learn to evaluate these essentials in terms of their impact on credit risk management and moving towards a stronger credit culture.
Fair Lending for Commercial Lenders
For commercial lending, the institution’s viewpoint on fair lending needs to align with how the commercial environment operates, which is not the same as that of retail lending. In this WiBinar, lenders will learn the steps to take to understand and mitigate risk.
IRA Excess Contributions & Recharacterizations
Being able to handle recharacterizations and excess contributions with confidence is fundamental to the management of retirement accounts. In this WiBinar, access valuable information regarding recharacterizations and excess contributions, including deadlines, calculating net income attributable (NIA), and reporting. Attendees will learn how to document the removal of an excess contribution correctly and how to complete a recharacterization.
Managing Consumer Complaints
For commercial lending, the institution’s viewpoint on fair lending needs to align with how the commercial environment operates, which is not the same as that of retail lending. In this WiBinar, lenders will learn the steps to take to understand and mitigate risk.
Keys to an Effective Information Governance Program
How strong are your institution’s Information Governance programs and practices? How can you better protect your institution’s records and ensure that they are available when needed and destroyed when appropriate?
Retirement Rollovers
Explore key concepts and avoid common mistakes pertaining to retirement rollovers. This WiBinar explains the portability rules between IRAs and employer-sponsored retirement plans. Attendees will learn how to capture, facilitate, and report rollovers between retirement plans and IRAs.
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.