Lending Career Development

Attend this proactive webinar and learn a “comprehensive approach” to financial statement and cash flow analysis. This session will begin with analyzing the four financial statements- Income Statement, Statement of Retained Earnings, Balance Sheet, and Statement of Cash Flows. This webinar will also include Revenue and Expense Recognition, FIFO, LIFO, and Average Inventory Costing Models, Operating Expenses (Repairs) versus Improvements, Depreciation including Straight-Line, Units-of-Production, and Double-Declining Balance, Amortization, and Depletion. This 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.  

This webinar will provide the banker with several advanced tax return concepts and related analyses to help them more effectively work with their business customers. This 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.

Attend this webinar and gain an understanding of the often complex and confusing topic of TAXES!  Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this seminar will concentrate on personal tax return analysis while the second part will focus on the analysis of various business tax returns.

 

This webinar provides an “introduction” to the banking industry and touches on most all aspects of banking. By attending this training session you will develop an understanding of the following areas of banking:

This webinar will provide the banker with a basic framework of Business Law including the judicial process. Emphasis will be placed on how the legal system can help/harm the banker including how to avoid a lawsuit due to lender liability through maintaining both ethical behavior and effective negotiations. A review of the stages of litigation, alternatives to litigation including arbitration and mediation, and the borrower’s business structure (from a legal perspective), will be displayed. The webinar will also cover the nature and characteristics of contracts (the promissory note), problem loan situations, and collection efforts. Additionally, banking regulations and tort reform will be discussed. This webinar will also cover the concept of Lender Liability including recent industry trends. This portion will address some of the technical aspects of this often overlooked subject.

Cannabis has become more mainstream as institutions begin banking hemp customers. Find out how banks are knowingly – and unknowingly – banking hemp, CBD and marijuana. This webinar will also cover risk management techniques necessary to bank cannabis customers.  

Capital planning is no longer an exercise reserved for troubled institutions. It has become the foundation for effective enterprise risk management and a crucial tool for evaluating operational risk under normal operating conditions, as well as banks under stress.

While community banks understand the importance of developing capital plans, many wrestle with developing the right capital solution that best meets their needs. This webinar will provide an overview of the new capital rules and related implications and discuss capital alternatives available to community banks. 

 

This webinar will begin with a review of “commercial real estate” including types of properties and demand/supply in the “current” market. The session will then cover the entire “loan process” by which a commercial real estate (CRE) loan is marketed, underwritten, approved, documented, “closed,” and monitored. The process will include a discussion of CRE underwriting techniques and loan documentation issues.

COVID-19 has thus far impacted virtually every aspect of a community bank’s operations. What is not entirely clear relative to COVID-19 is its effect on asset quality. This unknown has left many community banks thinking about their capital, and whethe radditional capital may be needed. In light of this thinking, it is important that your board understands all of the available capital raising alternatives.

 

 

During the Coronavirus pandemic, it is as important as ever to make certain your compliance program is appropriate for your institution's risk exposure.

This information packed webinar will provide you with a recipe on how to conduct your annual security review. No longer can you just use a checklist to determine if your financial institution is safe. We will instruct you on how to think like a criminal to protect your assets, information, and people. Today, the criminal world attacks your
institution via computer, customers, and social engineering ploys. Your annual review should find or correct problems with physical security, robbery procedures, and staff training. This webinar is especially valuable to someone who is new or never has conducted an annual security review. We provide a step-by-step program on how to identify, rectify, and report to the board. You will understand how social engineering attacks can undermine many of your best procedures.

As the baby boomer demographic ages, elder fraud will become the biggest growing segment of crime in our country! Criminals will target highly educated people for the greater riches they provide. Often, these criminals have worked in occupations that have placed them in close contact with senior citizens. They know exactly how to manipulate the elderly and don’t care about the victims. After gaining control, the weakest link at your institution becomes the target. Learn how your loan function can be a rewarding experience for these criminals. Many of those who become victims will not admit it or will be unwilling to prosecute the criminals—they don’t want anyone to know they were deceived. Review how the attacks work, as well as how to get the victims help! This information packed session will give you a whole new perspective on elder fraud.

Electronic crime is a potential threat to every financial institution.  Security hacking of your bank’s computer system, email phishing and social engineering scams, ransomware and cyber extortion,  as well as manipulation of your computer systems by rogue employees, all pose serious financial and reputational risks. Does your institution have appropriate insurance to protect it from the harm that can flow from those risks? This

presentation will address the questions you should be asking about your bank’s insurance coverage for electronic crime.