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

Many financial institutions struggle to navigate the complex requirements of Regulation E and the risks tied to electronic fund transfers (EFTs). This session helps you stay compliant and reduce potential losses by reviewing key EFT rules, including those governing debit card transactions and ACH debit entries. You’ll learn how error notices, liabilities, and responsibilities are defined under Regulation E, and work through scenarios that illustrate how liability is shared between consumers and financial institutions.

Learning Objectives:

• Describe how Regulation E governs debit card transactions and ACH debit entries and outline the related ACH Rules.
• Understand notice of errors, institutional responsibilities, and consumer rights in the EFT process.
• Evaluate tiers of liability for consumers and financial institutions and apply this knowledge to minimize potential loss and ensure compliance.

Duration: 75-minutes

Presented live and recorded on 04/14/26.

Move through each step of the credit approval process — from prospecting to post close monitoring. Gain an understanding of the required information for the loan request and how the information is used, basic analysis to assist in pre-qualification, documentation, and learn the various types of loans and their use.

Learning Objectives:

• Learn how to move the customer from prospect to client organizing the lender and their team through the process.
• Assessing and collecting the correct financial information for the type of financing requested.
• Understanding basic financial statement analysis and credit risk.
• Preparing for closing, the right documents for the right type of financing.
• Understanding the importance of post-closing monitoring to catch early warning signs of credit deterioration.

The loan review process is critical to the success of any community bank. This process must be structured and requires policies and procedures to ensure timely identification of problem credits, asset quality, and accuracy. The process must also include well-defined classification guidelines to ensure consistent loan ratings.

This fast-paced course will challenge your understanding of credit review in today's banking environment.

Learning Objectives:

• Identify the elements of an effective loan review process.
• Gain familiarity with risk rating systems.
• Know how to conduct basic cash flow analysis.
• Understand and improve credit write-ups.
• Learn how to conduct appraisal reviews.
• Know the hallmarks of problem loans.

Use the discount code MULTI_LR and receive $100 off when you register for both the Loan Review and Advanced Loan Review sessions!