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

IRA amendments can be complex. But, understanding them is essential for compliance and effective account management.

This session explores the requirements for IRA documents, examines the differences between model agreements and prototypes, and explains why a prototype document may be used. You’ll review the latest guidance on required amendments so that by the end, you can confidently navigate these rules and provide accurate directions to your accountholders.

Learning Objectives:

• Describe the purpose of IRA amendments and why they are required.
• Identify the essential elements that must be included in an IRA document to remain compliant.
• Discover the latest regulatory guidance for IRA document amendments.

Duration: 60-minutes

Presented live and recorded on 07/15/26.

Recognizing that you have a troubled credit in your portfolio is traumatic enough. Having to deal with a declining relationship that may cause your bank a significant loss can create an outright panic. Instead of freezing or believing that things will get better on their own, now is the time to blaze the path forward to avoid a charge off.  

The earlier you catch a troubled credit the better your options are to minimize any future loss. Learn the steps you need to take and identify the various options that are available to you in facing what is likely the most important part of being a commercial banker.  

Learning Objectives:

• Analyze the early warning signs of troubled credit.
• Learn the steps to take to minimize any future loss.  
• Setup a plan to avoid a charge off loan.  

Duration: 60-minutes  

Recorded July 16, 2026

This seminar is designed to meet the needs of agricultural lenders by identifying market issues and providing the tools to assess the borrower’s ability to navigate difficult times.

In the last decade, the agriculture field has faced significant headwinds that have stressed many farmers and lenders alike. 

Using the core financial statements, we will structure the analysis and borrower’s cash flow to determine the right credit structure when financing is warranted. We will also look at catching the early warning signs of deterioration and what can be done.

Learning Objectives

Understanding Credit Risk

• Agriculture Market Risk
• Agriculture Management Risk

Financial Statement Analysis

• Crop/Animal Statements
• Cash Budgets

Liquidity Management

• Guarantor Analysis
• Sensitivity/Stress Tests

Agriculture Cash Flow Analysis

• Operational Cash Flow
• Global Cash Flow
• Coverage Issues

Developing the Right Credit Structure

• Seasonal Lines
• Term Loans
• Carry Over Loans

Early Warning Signs of Deterioration

• Systemic Market Issues
• Management Issues

Webinar: Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank Bundle