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
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: Lending Professionals, Executive Leadership, Executive Director
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 Credit Officer, Commercial Loan Officer, Consumer Loan Officer, CECL Committee Member
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, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Business Development Officer
Strong Third Party Risk Management (TPRM) Practices: Full Series
Click each session below to learn more!
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
Identifying the Right Course of Action: Do Something With Your Data
To remain operationally relevant in today’s financial services industry, banks must invest in data; yet, too many of them then fail to take action from insights. In this webinar, explore common fears about data that frequently become roadblocks to “doing something.” Topics to be discussed include interpreting insights for relevancy, validating assumptions, and achieving consensus on priorities.
Who Should Attend: Technology Officer, Digital Strategy Officer, Marketing Officer, Marketing Strategist
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 Credit Officer, Commercial Loan Officer, Consumer Loan Officer, CECL Committee Member
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
PACE Loans and their Impact on Residential Lending
With green energy and sustainability being the wave of the future, the state of California has spearheaded a national program of clean energy financing known as Property Assessed Clean Energy (“PACE”). The purpose of this webinar is to help residential mortgage lenders address the impact of these assessments, which have priority status on existing liens and the common challenges they present. The presenter will explain the structure of these loans, help identify its key players, and provide practical insight on how to address some common issues from a servicing standpoint.
Who Should Attend: Chief Credit Officer, Mortgage Loan Officer, Consumer Loan Officer, Junior Loan Officer, Bank Counsel
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
Preparing for Life After LIBOR
The London Interbank Offered Rate is the pre-eminent reference index to over $350 trillion in financial instruments ranging from mortgages to interest rate swaps. The widely-used index is scheduled to phase out by the end of 2021. As a result, the potential impact to financial institutions will be far-reaching. In this webinar, learn about the steps one can take to succeed with the transition of LIBOR by exploring: the development of alternative benchmarks, organizational and legal best practices, and how the financial markets are reacting to the pending changes.
Who Should Attend: Chief Financial Officer, Treasurer, Treasury Manager, ALCO Member, Chief Credit Officer, CRE Lender, Mortgage Officer, Junior Loan 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
Weeding Through the Risks of Banking the Cannabis Industry
The cannabis industry can be hazy for financial professionals when deciphering what is legal at the federal level and what has passed for each state. Is it safe from a regulatory standpoint to provide traditional banking services to cannabis-related businesses? Now that the Farm Bill has passed, is hemp and CBD 100% legal at the federal level? In this webinar, learn the differences in each aspect of the cannabis business and the risks associated with banking these riskier clients.
Who Should Attend: CEO, COO, Compliance Officer, Risk Officer, BSA/AML Officer, Director
Utilizing Cash Flow Projections to Determine Repayment Ability
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
Non-Executive Compensation Concerns (Staff Level)
This session will address pay equity regulations, setting job grades, and determining base salary and appropriate raises for employees. The presenters will provide information on conducting market research using industry surveys, using market research to establish and set salary grades, having effective job descriptions and performance evaluations, and linking salary increases and performance to positioning in a salary grade. The focus in this session is to help HR professionals sort through several of the compensation-related challenges they are likely to encounter.
Who Should Attend: HR Officer, Talent Engagement Specialist, HR Analyst, Training & Development Manager
Strong Third-Party Risk Management (TPRM) Practices – Part III: Monitoring and Reporting
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
Credit Analysis Basics
Attend this proactive session and learn how banks make lending decisions based on the five Cs of credit: capacity, capital, collateral, conditions, and character. The webinar will cover the basics of the three main areas of lending — consumer, mortgage, and commercial lending. Each of the three areas will be illustrated with real-life case studies. Attendees will also be exposed 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: Consumer Loan Officer, Mortgage Loan Officer, Commercial Loan Officer, Credit Analyst, Business Development Officer, Junior Loan Officer, Retail Branch Officer, Front-Line Staff
Write Right to Better Business Communication
Good leaders walk the talk, but they also write right; they know how to say in a few words what needs to be said in crisp, clear language. The road to hellish communication is paved with good intentions and poor construction. Readers know when subjects and verbs don’t agree, when punctuation misses the point, when words don’t fit, and when content is confusing. In this session, learn how a few basic rules on grammar, punctuation, and usage can improve business written communications with content that is clear and succinct.
Who Should Attend: Marketing Manager, Communications Manager, Human Resources Officer, Technical Writer, All Positions Responsible for Written Communications, Memos, and/or Reports
Human Trafficking – Closer to Home Than You Think
Human trafficking—a form of modern slavery—is one of the fastest growing criminal activities in the world. It exploits an estimated 45 million people a year and generates approximately $150 billion in profits. Though the concept of human slavery is certainly not new, some are unaware of the impact and extent of human trafficking both abroad and at home – in our own backyard. In this webinar, learn the red flags and victim indicators so that financial institutions can do their part to help disrupt this heinous crime.
Who Should Attend: Compliance Officer, Risk Officer, BSA/AML Officer, Branch Manager, Operations Manager
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