Determining an entity’s ability to generate cash flow is essential whenever repayment of a loan will extend beyond one year. Cash flow analysis measures an entity’s ability to generate sufficient cash to operate successfully and have excess cash to service annual debt payment requirements. Understanding how to calculate and interpret cash flow is essential for successful financial institutions.
Learn how to calculate cash flow using the Universal Cash Flow Analysis method (UCA), which determines the flow of cash into and out of a business entity. First, we’ll define cash flow and identify potential sources and uses of cash. Next we’ll illustrate how cash flow analysis is actually the process of converting an Accrual Basis financial statement into a Cash Basis financial statement. We’ll cover the Rules of Cash Flow when determining cash flow generation from changes in asset, liability and capital accounts on balance sheets over time. We’ll culminate by using a full UCA from beginning to end.
Covered Topics
Who Should Attend
Senior Loan Officers, Senior Credit Officers, Commercial Loan Officers, Branch Managers, Credit Analyst, Loan Review Personnel, and Consumer Loan Officers.
Instructor Bio
Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a management trainee and progressed to vice president and senior lender of SouthTrust Bank and senior vice president and commercial banking division manager for Citizens Trust Bank of Atlanta.
Most of his career has been spent in Credit Administration, Lending, Business Development, Loan Review, Management, and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individual, Middle Market Companies, Small Business, Real Estate, and Non-Profit Organizations.
Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001.
Mr. Johnson earned a B.A. in accounting from Morehouse College in Atlanta; a MBA in finance from John Carroll University in University Heights, Ohio; banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in bank management from the Wharton School of Business at the University of Pennsylvania.
Available Upgrades:
In the ever-evolving world of finance, the call report undergoes constant change. Over recent years, we’ve adapted to extensive transformations and faced the impact of economic, accounting, and regulatory shifts. As we begin 2024, it’s crucial to acknowledge the journey and prepare for what lies ahead.
This 2-hour webinar will provide participants with insights into regulatory and accounting changes affecting the financial landscape, as well as proposed changes set to take effect in 2024. To ensure participants are well-informed and up-to-date, any newly emerging regulatory matters will be incorporated into the agenda, making this training as relevant as possible for the March 31, 2024, reporting period. Participants will receive handout materials to include a PDF version of the presentation and additional documentation required to support the topics covered in the webinar.
What You’ll Learn
Who Should Attend
This program provides significant value for a wide range of individuals involved in Call Report preparation, review, or approval, regardless of their level of experience. Whether you’re a newcomer or a seasoned professional, the updates and discussions on accounting and financial reporting issues are tailored to enhance your knowledge and skills. This webinar aims to benefit a diverse audience by addressing current and relevant topics in the field of financial reporting.
Instructor Bios
Cynthia Dopjera, a Certified Public Accountant, has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include accounting, internal audit, Call Report preparation and review while working for community as well as regional banks.
In 2000, Ms. Dopjera joined the public accounting firm of Harper & Pearson Company, P.C., where she served as Practice Leader for the Firm’s financial institutions practice covering community and regional institutions. The Firm’s services included financial statement audit, accounting, tax preparation and filing, internal control audit, Call Report audit, loan and asset quality review, and design and implementation of internal controls over financial reporting frameworks for institutions regulated under FDICIA and Sarbanes-Oxley. In 2018, Ms. Dopjera retired from Harper & Pearson Company, and currently provides accounting, consulting, and training services to financial institutions.
Andrea Lambert is currently lending her skills as a trainer and consultant as a member of the 3PR staff. Andrea has over 20 years of banking experience with a broad range of financial and operational skills. She began her banking career as a part-time teller and bookkeeper as she completed her B.S. in Finance from Illinois State University. In 2005, she started a seven-year career with the Office of the Comptroller of the Currency as an associate national bank examiner, becoming familiar with rules and regulations, best practices, and success strategies as they relate to the call report process and the banking industry as a whole. In 2012, Andrea filled the cashier position at a local community bank. During the ten years she worked there, she was responsible for ensuring the accuracy of various operational components of the bank, with a focus on call report preparation.
Available Upgrades:
In this comprehensive presentation, Excel expert David Ringstrom, CPA, shares a variety of tricks and techniques you can use to improve the integrity of your Excel spreadsheets. You’ll also discover methods for auditing the spreadsheets created by others. David shows you how to implement a variety of Excel features, including the Hide and Protect feature, the Conditional Formatting feature, the Table feature, the Data Validation feature, and the Custom Views feature. In addition, he explains how to perform dual lookups, sum disparate sections of a spreadsheet, preserve key formulas, identify duplicates, and more.
David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in the subscription-based Microsoft 365 (formerly Office 365) version of Excel. David draws your attention to any differences in the older versions of Excel (2021, 2019, 2016 and earlier) during the presentation as well as in his detailed handouts. David also provides an Excel workbook that includes most of the examples he uses during the webcast.
Microsoft 365 is a subscription-based product that provides new feature updates as often as monthly. Conversely, the perpetual licensed versions of Excel have feature sets that don’t change. Perpetual licensed versions have year numbers, such as Excel 2021, Excel 2019, and so on.
Covered Topics
Who Should Attend
Professionals seeking to improve the integrity of their Excel spreadsheets and boost their efficiency while doing so.
Instructor Bio
David H. Ringstrom, CPA, is an author and nationally recognized instructor who teaches scores of webinars each year. His Excel courses are based on over 25 years of consulting and teaching experience. Ringstrom’s mantra is either you work Excel, or it works you, so he focuses on what he sees users don’t, but should, know about Microsoft Excel. His goal is to empower you to use Excel more effectively. To learn more about Ringstrom, you can view his LinkedIn profile and follow him on Facebook or Twitter (@excelwriter).
Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279
Available Upgrades:
Civil money penalties continued to be assessed for violations of the Flood Disaster Protection Act (FDPA) even though the basic regulatory requirements have remained the same for a number of years. Bottom line, adequate flood insurance is required to be in place when a MIRE (Make, Increase, Renew, or Extent) event occurs and the structure securing the loan is in a special flood hazard area. And on top of that, if the borrowers drop their flood insurance your institution must force place in a timely manner.
The components of an effective flood compliance management program include timely ordering of the determination; action steps when collateral is in a special flood hazard area; fulfilling notice requirements; and evaluating flood policies. Join us as we discuss the requirements of the FDPA so that you can ensure there are no leaks in your institution’s flood compliance program!
Covered Topics
Who Should Attend
This informative session is designed for lenders, loan processors, lending staff, compliance officers, risk officers, and trainers.
Instructor Bio
Molly Stull began her banking career on the teller line while working on her undergraduate degree and has continued working in the financial industry ever since. Some of her experience includes roles in operations, business resumption planning, consumer compliance, and conducting audits. Her favorite role is ensuring that her audience, whether on the sports field or in the financial industry, understands the “why” behind the rule. Her wealth of financial knowledge and her numerous years of experience enable her to relate the material to the audience.
Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279
Available Upgrades:
Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.
Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit.
The required textbook for this course is Consumer Lending, 7th Edition.
IMPORTANT: Be sure to order the required book for this course. We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart.
Price: $405
Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.
Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit.
The required textbook for this course is Consumer Lending, 7th Edition.
IMPORTANT: Be sure to order the required book for this course. We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart.
Price: $405
Cash flow repays debt. Finding a business entity’s true cash flow is critical to determining if, how, and when a loan can be repaid. Do you know how to find a business entity’s actual cash flow when given a set of accrual basis financial statements?
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
• Convert an accrual basis financial statement into a statement of cash flow using key cash flow rules
• Interpret and explain a cash flow analysis to determine the entity’s debt repayment capability
• Identify the types of companies prone to using cash basis financial statements and why
• Compare various calculation processes, including the Uniform Cash Analysis (UCA) method, EBITDA, and traditional methodologies, and their pros and cons
• Use the Fast Cash Analysis method to find cash flow in less time
• Know the questions to ask and information required when a cash basis financial statement is received
WEBINAR DETAILS
Financial statements and tax returns can be prepared on a cash or accrual basis. Cash-basis statements show only transactions that directly impact cash. Accrual-basis statements show all of the accounting transactions in a given period, regardless of the impact to cash.
While accrual-basis financial statements require some work by the credit analyst to find true cash flow, the effort is worth it because the end result is a more complete picture of a business entity’s financial health.
WHO SHOULD ATTEND?
This insightful webinar will benefit credit analysts, branch managers, consumer lenders, commercial lenders, loan review personnel, senior loan officers, senior credit officers, and credit administration personnel.
TAKE-AWAY TOOLKIT
• A financial statement mapping guide to demonstrate how income statement accounts are matched with the corresponding balance sheet accounts to convert the accrual activity on the income statement into a cash transaction
• A side-by-side comparison illustrating the actual adjustments made to an accrual income statement to convert it into a cash basis statement
• PDF of slides and speaker’s contact info for follow-up questions
• Attendance certificate provided to self-report CE credits
• Employee training log
• Interactive quiz
NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your agency is prohibited. Print materials may be copied for eligible participants only.
MEET THE PRESENTER — Jeffery W. Johnson, MBA, Bankers Insight Group
Jeffery Johnson has been in financial services more than 40 years. He has been VP and senior lender for a large regional bank and SVP and commercial banking division manager for a community financial institution. Most of his career has been spent in credit administration, lending, business development, loan review, management, and training and development. Over the last 17 years, Johnson has provided training for several banking associations and individual financial institutions nationwide.
Johnson holds a bachelor’s in accounting from Morehouse College in Atlanta, an MBA in finance from John Carroll University in Cleveland, a Diploma of Graduation from the Prochnow School of Banking at the University of Wisconsin-Madison, and a Graduate Certificate in Bank Management from the First American Management Institute at the University of Pennsylvania’s Wharton School of Business.
REGISTRATION OPTIONS
Everyone appreciates exceptional customer service, but most people struggle in situations when it really matters. These essential techniques make memorable, positive customer experiences easy and effective. Don’t miss this one!
Join this valued session to gain the knowledge and develop the attitude you need to cultivate exceptional service – interpersonal communication, emotional intelligence, and a strong sense of commitment and ownership. Do you want to create raving fans that send you referrals? Do you wish you could teach others how to defuse the tension that comes with a very dissatisfied or highly demanding customer?
Customer service professionals who face customers daily need the right skills and sound reasoning to perform their job successfully. You and your team must be energized and knowledgeable about treating customers right. As your company’s ambassadors, you must build talent to prevent customer friction and dissatisfaction by thinking on-the-fly and practicing customer service best practices. Gain insights to help everyone in your organization raise the bar and exceed customer expectations by improving the customer connection, meeting their needs, and handling every situation with empathy.
Save the date, spread the word and purchase this “get-it-done-right” webinar!
Covered Topics
Memorable Customer Service Dos and Don’ts
The W.O.W. communication technique for a positive outcome every time
What to do with a sticky situation or stinky person!
Emotional IQ for successful relationship management
Who Should Attend
Managers, leaders, trainers, tellers, and everyone else who relies on internal and external customer service skills to create professional success for themselves and others.
Presenter
Heather Legge is a training specialist and certified executive coach, founder of Envision Success Inc, and author of Lead With Moxie. She is a senior training consultant for InterAction Training and is known for her presentation and delivery expertise.
Previously, she earned her Master’s in business administration and spent over 15 years in multiple industries transforming organizational performance through business analysis, project management, training and employee development.
She is passionate about making a positive impact in her local community and far beyond. She is always engaged in several networking, professional, and philanthropic groups.
Registration Options
This webinar covers common versions of global cash flow (GCF) analysis being used by bankers, with a focus on GCF as part of the underwriting process in most medium- to smaller-sized businesses and self-employed lending situations. We will explore the information and resources needed, plus key issues for extracting data from tax returns. One area of concern is the income listed on page two of Schedule E compared to withdrawals or contributions shown on the related K-1s. A case study is used to illustrate key points.
Topics to be covered include:
Target Audience: Branch managers, commercial lenders, Consumer lenders, credit analysts, lending managers and credit officers, loan review specialists, mortgage bankers, private bankers, small business lenders, and special assets officers.
Presenter
Richard Hamm, Advantage Consulting & Training
Registration Option
Live presentation $330
Recording available through January 24, 2024
Your March 31, 2023 Call Report will require new line items to be completed due to the Implementation of ASU 2016-13 and Accounting Standard Codification Topic No. 326 that is effective on January 1, 2023 for all calendar year institutions. This webinar will assist Call Report preparers, reviewers or auditors understand the various schedules and line items impacted by CECL reporting requirements.
With the implementation of ASU 2016-13 and Accounting Standard Codification Topic No. 326 rapidly approaching for all financial institutions, this webinar will assist Call Report preparers, reviewers or auditors understand the various schedules and line items impacted by CECL reporting requirements.
Participants will walk through the changes in terminology that become effective upon adoption of the Current and Expected Credit Losses (CECL) methodology for recording the estimated and expected losses on not only the loan portfolio, but any asset carried at amortized cost, to include debt securities held as available-for-sale and held-to-maturity. Participants will understand:
What You’ll Learn
This webinar will provide the details of what is required to accurately report CECL related items in the following schedules:
Who Should Attend
This review of selected Call Report schedules and reporting items impacted by CECL adoption will benefit anyone responsible for preparing, reviewing or auditing the Call Report to include personnel in accounting, lending and credit operations, and financial executives. This training will supplement annual comprehensive Call Report training recommended by bank regulators.
Presenter
Cynthia Dopjera, a Certified Public Accountant, has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include accounting, internal audit, call report preparation and review while working for community as well as regional banks.
In 2000, Ms. Dopjera joined the public accounting firm of Harper & Pearson Company, P.C., where she served as Practice Leader for the Firm’s financial institutions practice covering community and regional institutions. The Firm’s services included financial statement audit, accounting, tax preparation and filing, internal control audit, Call Report audit, loan and asset quality review, and design and implementation of internal controls over financial reporting frameworks for institutions regulated under FDICIA and Sarbanes-Oxley. In 2018, Ms. Dopjera retired from Harper & Pearson Company, and currently provides accounting, consulting, and training services to financial institutions.
Registration Options
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