COMMUNITY BANKER UNIVERSITY

Certification Programs

ICBA certification programs are designed to raise the standards of professionalism in the industry, and give consumers a consistent stamp of approval to look for when selecting a banker.

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About Certification Programs

icba-certification-program_vertical_4c_rgbICBA certification programs are designed to raise the standards of professionalism in the industry, and give consumers a consistent stamp of approval to look for when selecting a banker.

To make this happen, respected members of the ICBA certification board establish baseline criteria in several areas of specialization. Then, experienced, nationally-recognized instructors create training programs that target the needs of community banks based on those criteria. Finally, competency testing is measured after completion and a certification designation is granted. 

Annual continuing professional education is then required to ensure participants remain current. Independent Community Bankers of America is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors.

State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: Prerequisites: No previous experience or training is necessary for ICBA seminars.

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Certification

Audit Certification (CCBIA)

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Designation: Certified Community Bank Internal Auditor (CCBIA)

Requirements: Audit Institute; (30) Continuing Professional Education credits required every two years.

This program is designed to provide tools and step-by-step procedures to establish and maintain an effective internal audit function within a community bank. Areas covered include: auditing basics, internal auditing working papers, auditing liabilities and other activities, auditing assets and bank information systems auditing. 

Certification

Bank Security Certification (CCBSO)

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Designation: Certified Community Bank Security Officer (CCBSO)

Requirement: Bank Security Institute; (15) Continuing Professional Education credits required every two years.

This program is designed to provide the Security Officer, regardless of the location or size of the bank, with critical information to meet regulatory requirements and provide strategic and tactical methods of security, robbery and fraud prevention and risk management. 

Certification

BSA/AML Certification (CBAP)

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Designation: Certified BSA/AML Professional (CBAP)

Requirement: BSA/AML Institute; (20) Continuing Professional Education credits required every two years.

The formal requirements for financial institution compliance under the Bank Secrecy Act (BSA) continue to be significant. This program covers all primary requirements of regulation and delivers guidance on best practice expectations in each area. 

Certification

Commercial Lending Certification (CCLO)

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Designation: Certified Commercial Loan Officer (CCLO)

Requirement: Commercial Lending Institute; (30) Continuing Professional Education credits required every two years.

Loans are the most significant risk in most bank portfolios. This program assists in developing the necessary credit skills to maintain and manage a commercial credit portfolio as well as the analytical processes needed to reach a conclusion about the borrower's repayment ability. 

Certification

Compliance Certification (CCBCO)

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Designation: Certified Community Bank Compliance Officer (CCBCO)

Requirement: Compliance Institute; (30) Continuing Professional Education credits required every two years.

The Compliance Institute is a comprehensive learning experience that covers the areas of regulatory compliance a community bank Compliance Officer is responsible for. This program covers: Developing a Compliance Program, Lending, Deposit and Operations Compliance. 

Certification

Consumer Lending Certification (CCBCL)

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Designation: Certified Community Bank Consumer Lender (CCBCL)

Requirement: Consumer Lending Institute; (15) Continuing Professional Education credits required every two years.

Consumer lending presents a unique set of challenges by combining credit risk process with regulatory process. This program addresses the consumer lending decision and making sense of each step by covering the application process, financial statement analysis, credit analysis, loan structure, compliance, documentation procedures and closing.

Certification

Credit Analyst Certification (CCBCA)

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Designation: Certified Community Bank Credit Analyst (CCBCA)

Requirement: Credit Analyst Institute; (15) Continuing Professional Education credits required every two years.

The role of a credit analyst has evolved into a critical function in today's community banks. This program focuses on the necessary financial analysis skills needed by today's credit analysts, and addresses the additional expertise vital to a community bank's overall lending success.

Certification

Information Technology Certification (CCBTO)

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Designation: Certified Community Bank Technology Officer (CCBTO)

Requirement: Community Bank IT Institute; (30) Continuing Professional Education credits required every two years.

Information technology solutions continue to evolve. This creates opportunities for community banks to increase efficiency, improve service capabilities and better safeguard customers. This program addresses today’s community bank needs for managing and maximizing technology investments and shows IT managers and officers the solutions they can utilize to help strengthen existing IT capabilities, develop operational efficiencies and business continuity solutions, and more.

Certification

Risk Management Certification (CCBRS)

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Designation: Certified Community Bank Risk Specialist (CCBRS)

Requirement: Risk Management Institute; (15 ) Continuing Professional Education credits required every two years.

Participants of ICBA's new Risk Management Institute will enrich and affirm their knowledge of the risk components that influence a bank’s function and soundness.

This new certification program focuses on strategies surrounding bank governance, credit risk, interest rate risk, liquidity risk, operational risk, compliance risk, and legal risk. The program includes comprehensive dialogue that brings all risk elements together to reveal the necessary components of a successful enterprise risk management (ERM) framework.

Certification News

Published quarterly, this newsletter is offered to bankers enrolled in ICBA’s certification program and is also available to interested community bankers.

Certification FAQ

ICBA Community Banker Universitysm offers nine Certification Programs.  The Certification Programs are nationally recognized, professional designations and require the user to follow specific processes and procedures before a Certification is granted.

These Programs are governed and monitored by the ICBA Certification Board, which is made up of leadership bankers from the ICBA Bank Education Committee, Certified Community Bankers, attorneys, and Certification Program instructors.

Certification Programs are offered through Community Banker University’s Institutes.  The following Certification Programs are currently offered:

Certificate programs are delivered online and are an ideal way to enhance professional skills, gain practical training, explore banking career growth, and affirm expertise. This program provides a certificate of completion, but is not a Certification program and requires no additional training after completion.

Certification Programs are delivered through live classroom style programs and have ongoing continuing education requirements. All of our Certification programs have Continuing Professional Education (CPE) requirements and therefore qualify as Certification Programs.

To achieve a Certification, participants are required to:

  1. Attend an Institute in its entirety;
  2. Participate in all assigned case studies, small group work, presentations; and
  3. Successfully pass all exams given during the Institute with a score of 70% or higher.

Participants who fail to comply with the Certification procedures will not receive a Certification.

Yes, bankers can attend the Institutes without obtaining a certification. Certification is optional. In fact, many bankers elect to attend an Institute both in preparation to work towards full certification in the future or to obtain Continuing Professional Education (CPE) credits.

Certification requires successful registration for the Institute and payment of the respective testing fees. Each Certification has testing fees associated with it. The table shows the fees for each available certification.

 

Certification

ICBA Members

Nonmembers

Auditing

$300

$400

Bank Security

$150

$250

BSA/AML

$150

$250

Commercial Lending

$150

$250

Compliance

$375

$475

Consumer Lending

$150

$250

Credit Analyst

$150

$250

Information Technology

$225

$325

 

To keep a Certification current, bankers need to complete the applicable Continuing Professional Education (CPE) credits every two years.

Thirty (30) CPE credits are required every two years for the following certifications:

  • Auditing – Certified Community Bank Internal Auditor (CCBIA)
  • Commercial Lending – Certified Commercial Loan Officer (CCLO)
  • Compliance – Certified Community Bank Compliance Officer (CCBCO), and
  • Information Technology – Certified Community Bank IT Officer (CCBTO)

Twenty (20) CPE credits are required every two years for the following certification:

  • BSA/AML – Certified BSA/AML Professional (CBAP)

Fifteen (15) CPE credits are required every two years for these certifications:

  • Bank Security – Certified Community Bank Security Officer (CCBSO)
  • Consumer Lending – Certified Community Bank Consumer Lender (CCBCL), and
  • Credit Analysis – Certified Community Bank Credit Analyst (CCBCA).

All certification CPE requirements start the year following achievement of your Certification. For example, if you achieve your Certification in 2016, the CPE requirement starts on January 1, 2017, so you will need to accumulate the required 15 or 30 CPE credits by December 31, 2018.

Certified bankers will be given access to the ICBA Online Certification Portfolio. This is a password protected area of the ICBA website. In this Portfolio you can enter your CPE credits, download copies of certificates of attendance, registrations, and agendas. This is also where you can pay the required annual renewal fee.

Certified bankers may accumulate up to 50% of the required CPE credits through online training courses and webinars. The other 50% of the required CPE credits must be accumulated through one of Community Banker University's live virtual seminars or institutes or through a live, in person, on-site education training program from another source.

No.  Bankers with more than one Certification cannot use their CPE credits towards more than one Certification. For example, a banker with an Auditing Certification and Compliance Certification will need to get 30 hours of CPE for each designation, a total of 60 hours of CPE training every two years.

Bankers with the CBAP Certification must accumulate their CPE credits in topics related only to the Bank Secrecy Act and Anti-Money Laundering requirements. Due to its specialty area of expertise, all certified CBAP persons will be required to maintain current and timely knowledge of BSA/AML events through ongoing CPE.

ICBA/Community Banker University adheres to the NASBA Statement on Standards for Continuing Professional Education (CPE) Programs. To calculate total CPE credit, determine the total number of instructional minutes and divide by 50. Fifty (50) minutes of participation in an instructed event is considered one (1) CPE credit for each program of learning.

We understand that your CPE submission is very important.  For that reason, the ICBA staff works as quickly as possible to review and approve all CPE submissions on an ongoing basis.  If you have questions related to a specific CPE submission, please call the Community Banker Universitysm staff at 800-422-7285.

If you don’t meet your CPE credit requirement within the two year period, your Certification status will lapse and you will no longer be certified through ICBA/Community Banker Universitysm.  Community Banker Universitysm staff will notify bankers whose Certification status has lapsed before the Certification designation is removed.

The Certification annual renewal fee is $100.  The ICBA staff sends notice of renewal fee payments due during the fall of each year to all certified bankers.

Yes, the annual renewal fee applies to each certification a banker holds.  For example, a banker with two certifications would pay $200 fee - $100 for each of the two certifications up to a maximum of $400.

Your Certification status will lapse and you will no longer be certified.  Community Banker Universitysm staff will contact bankers whose Certification status has lapsed before the Certification designation is removed. To reinstate your certification, enter the required number of CPE for your certification into your certification portfolio and pay the annual renewal fee. A Certification Reinstatement fee of $50 will apply.

If your Certification lapsed 2 years ago or more, you must repeat the Institute and retake the required exam(s).

All special requests and considerations must be submitted in writing to the Certification Board. The Board is comprised of bankers, Certification Program instructors, attorneys, industry experts, consultants, and ICBA staff. The Board meets twice a year. Contact Community Banker University for information on how to submit your request.   

Yes. For the Credit Analyst Institute, we limit the number of participants to 50 students for each program. Due to the subject and nature of the class and small group work, the maximum learning environment is limited to 50 students.

For banking customers, an ICBA certification is a reassuring sign of professionalism to look for when selecting a banker. For you, that makes your ICBA certification an important selling point and marketing tool. It's an independent, third-party testament to your skills and abilities. To date, more than 4,000 community banking professionals are certified through ICBA. ICBA certification program participants gain up-to-date regulatory and operational skills and suggestions to take home and use immediately in the following areas.

 

You worked hard to earn your credentials. Receive the recognition you deserve. Community Banker University is thrilled to announce that we can award digital badges to community bankers who have successfully completed any of our nine certification programs.

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