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

Make informed credit decisions by developing your ability to evaluate a consumer loan request. This program covers the application process, financial statement analysis, credit analysis, loan structure, compliance, documentation procedures, and closing.

To earn the Certified Community Bank Consumer Lender (CCBCL) certification, you will be required to attend this program in its entirety, complete all assignments, and achieve a passing score on the certification exam. If you decide to enroll in the certification testing after you register for the class, please contact an ICBA Education representative at 800-422-7285.

Learning Objectives:

• Consumer banking overview, lending application and underwriting
• Consumer underwriting-tax returns, scoring and credit analysis
• Credit report analysis
• Consumer lending-structure, documentation, pricing, compliance and collections
• Consumer products-direct lending, indirect lending and deposit
• Portfolio management-credit quality issues

The SECURE Act introduced major changes to IRA rules, adding new complexity to how beneficiary payouts are handled. The IRS has also proposed updated RMD regulations to guide beneficiary options under these changes.

This session, part one of a two-part series, explores Traditional and Roth IRA beneficiary options in detail. We’ll cover the impact of the SECURE Act and proposed RMD regulations, along with key topics such as beneficiary election deadlines, distribution rules and restrictions, and reporting requirements.

Learning Objectives:

• Learn how the SECURE Act changes IRA beneficiary rules.
• Compare beneficiary treatment for Traditional vs. Roth IRAs.
• Review reporting and documentation requirements for IRA distributions under updated regulations.

Duration: 60 minutes

Presented live and recorded on 06/02/26.

Building on the foundation from IRA Beneficiary Distributions – Part 1, this second session takes a deeper, more practical look at beneficiary rules under the SECURE Act and proposed RMD regulations

We’ll move beyond the basics into a hands on exploration of key operational requirements, including year of death obligations, beneficiary portability, and separate accounting rules. You’ll also gain clarity on critical deadlines for beneficiary determination and the reporting requirements that ensure compliance.

Designed to complement Part One, this session equips you with the tools to confidently navigate complex beneficiary scenarios and apply the rules in real world situations.

Learning Objectives:

• Gain hands-on experience on how to handle beneficiary distributions.
• Understand the year-of-death requirements for IRA beneficiaries and their impact on distribution timing.
• Identify and meet the beneficiary determination deadline to ensure compliance with IRS regulations.

Duration: 60 minutes

Presented live and recorded on 06/03/26.

Offered quarterly in half-day sessions, each of the ICBA Bank Directors Forums will cover a unique topic, such as cybersecurity, enterprise risk management, corporate governance and more. No two sessions will be the same.