At ICBA Securities, we provide community bankers the tools to grow their investments.

Only cash can repay loans. To effectively conduct a complete credit analysis, the sources and uses of cash in the business must be understood. This seminar discusses the mechanics of constructing business cash flow statements and their use of credit analysis.

Understand the mechanics of cash flow analysis and its use in determining a business' ability to repay. This seminar will increase awareness of cash flow analysis tools and develop your confidence in the use of the tools.

Learning Objectives

• Understanding the business of the business.
• Types of cash flow analysis.
• Cash flow mechanics.
• Cash flow analysis.

Use the discount code MULTI_CFSA and receive $100 off when you register for both the Financial Statement Analysis and Cash Flow Analysis sessions!

ACH payments are processed at staggering volumes that average 134 million transactions every day. With that scale comes risk, making it critical for bankers to spot and mitigate threats to both their institutions and customers.

This session takes you inside the mindset of modern fraudsters targeting ACH transactions, exposing their most common tactics, and equipping you with practical strategies to strengthen defenses and protect your systems.

Learning Objectives:

• Identify common ACH fraud schemes and red flags.
• Gain insights into emerging fraud techniques.
• Learn practical methods to detect and mitigate risk.
• Explore case studies illustrating successful interventions.

Duration: 60-minutes

Presented live and recorded on 05/06/26.

There is still quite a bit of discomfort in the commercial real estate market. During this one-hour webinar we will look at the causes of what has become, in some locations, an all-out four alarm credit firestorm.

We will start with a case study of one region and what took the real estate market down over a period of just a few years. From this case study, we will look at the types of credit structure that are reasonable and can be implemented now to protect your bank.

We will also look at the various areas within the CRE markets, giving the attendees some insight into what to look for in commercial real estate lending in office, multi-family, commercial and mixed use for the near future.

Learning Objectives:

• Explain the key economic, credit, and market forces contributing to current instability in the commercial real estate (CRE) market.
• Evaluate alternative credit structures and risk mitigation strategies that can be implemented today to protect bank portfolios.
• Identify early warning indicators and underwriting considerations for CRE lending in the near-term market environment.
• Apply practical insights from the case study and market analysis to improve CRE credit decision-making within your institution.

Duration: 60-minutes

Presented live and recorded on 5/7/26.