Tag Archive for: Commercial Lending

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High-Volume SBA-Approved Wisconsin Lenders to Receive FY22 Awards

The U.S. Small Business Administration’s (SBA) Wisconsin office is recognizing 14 lenders in 15 volume and specialty categories for FY2022, the twelve months ending Sept. 30, 2022. With total SBA-backed FY22 lending in Wisconsin reaching more than $789 million, community lenders again played a strong role with 12 of 15 awards going to Wisconsin-based lenders. For the first time, CAP Services, based in Stevens Point, made the most microloans of the six microlenders serving Wisconsin. The Wisconsin Women’s Business Initiative Corp (WWBIC), made the most SBA Community Advantage loans as one of five lenders statewide offering these loans at up to $350,000 to disadvantaged borrowers. WBD, Inc., made 297 SBA 504 loans for $255 million. U.S. Bank made the highest number of 7(a) loans, while Byline Bank loaned the highest dollar amount.

“SBA-backed lending in Wisconsin saw its second highest level in recent years with $789 million delivered to small business owners through SBA’s core lending programs in FY22. While a drop from the more than $1 billion in loans last year, lenders are still delivering much needed capital to Wisconsin’s startups and more seasoned entrepreneurs,” stated Eric Ness, SBA’s Wisconsin district director. “These high-volume lenders showcase the importance and continued availability of SBA-backed financing for small businesses at all stages of growth through Wisconsin’s many commercial and community banks, credit unions, CDC’s, CDFI’s, and other financing institutions.”

A complete list of Wisconsin’s SBA-approved lenders, along with daily updates and history on 7(a) and 504 SBA lending activity in Wisconsin, is available on the SBA Wisconsin website at sba.gov/wi under “Doing Business in our Area.”

The SBA will recognize its volume lenders at the 2023 Wisconsin Lenders Conference hosted by UW-Stevens Point on May 18. Find more information about the conference here.

Congratulations to several WBA members that will be receiving an award:

Wisconsin SBA Volume Lender Awards

  • Cleveland State Bank
  • First National Community Bank, New Richmond
  • Oostburg State Bank
  • Hiawatha National Bank, Hager City
  • Citizens Community Federal National Association, Altoona
  • Byline Bank, Brookfield

Wisconsin SBA Specialty Lender Awards

  • Ixonia Bank: Most Veteran 7(a) Loans Approved
  • Byline Bank, Brookfield: Most 7(a) Export Loans Approved
  • Nicolet National Bank: Most 504 Loan Participations
  • WBD, Inc., Madison: Most 504 Loans Approved
  • WWBIC, Milwaukee: Community Advantage Lender with Most Loans Approved
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SBA Releases New Procedure for SBA Loan Review of Partial Approval Forgiveness Decisions

On January 28, SBA released Procedural Notice 5000-827666 regarding SBA loan reviews of PPP Lender partial approval forgiveness decisions. The notice outlines a new process to allow PPP Borrowers to request an SBA loan review of partial approval forgiveness decisions issued by their PPP Lenders. The procedures in the notice apply to loan forgiveness decisions submitted by Lenders to SBA through both the regular forgiveness process as well as the Direct Borrower Forgiveness process. The notice is effective January 27, 2022.

The notice reiterates the process for a partial approval forgiveness decision and the steps that need to be taken by the Lender when it receives a forgiveness application from a Borrower. The notice also outlines a new process for borrower requests of SBA loan review of a partial approval forgiveness decision.

Starting from the effective date of the notice, when a Lender receives a forgiveness remittance from SBA on a partial approval decision, including where the Lender required the borrower to apply for forgiveness in an amount less than the full amount of the loan, the Lender’s post-forgiveness remittance notification must inform the borrower that the borrower has 30 calendar days from receipt of the notification to seek, through the Lender, an SBA loan review of the Lender’s partial approval decision. Within five calendar days of a Lender’s receipt of a borrower’s timely request for an SBA loan review, the Lender must notify SBA through the Platform. The Lender’s notice to SBA of the borrower’s timely request for review must include a copy of the Lender’s notice to the borrower of the reason(s) for the Lender’s partial approval decision. SBA reserves the right to review the Lender’s decision at its sole discretion.

Additionally, within 30 calendar days of the date of the notice, Lenders must notify all of their borrowers on loans that previously received a partial forgiveness remittance from SBA as a result of Lender partial approval decisions, including where the Lender required the borrower to apply for forgiveness in an amount less than the full amount of the PPP loan, that the borrower has 30 calendar days from receipt of the Lender notification to seek, through the Lender, an SBA loan review of the Lender’s partial approval decision. Within five calendar days of the Lender’s receipt of a borrower’s timely request for an SBA loan review, the Lender must notify SBA through the Platform. The Lender’s notice to SBA of the borrower’s timely request for review must include a copy of the Lender’s prior notice to the borrower of the reason(s) for the Lender’s partial approval decision. Again, SBA reserves the right to review the Lender’s partial approval decision at its sole discretion.

In either circumstance, if SBA selects the loan for an SBA loan review as a result of the borrower’s request, the borrower must continue to make payments on the remaining balance of the loan, and the loan is not deferred.

If SBA determines, as a result of the SBA loan review, that the borrower is entitled to forgiveness in an amount greater than the Lender’s partial approval decision and SBA has previously remitted a partial forgiveness payment to the Lender, SBA will remit an additional forgiveness payment to the Lender to make up the difference. SBA will issue an additional Notice of Paycheck Protection Program Forgiveness Payment (Payment Notice) to the Lender.

If the SBA loan review results in a higher forgiveness amount, but less than full forgiveness, SBA will also issue a final SBA loan review decision to the Lender. The Lender must provide a copy of the Payment Notice and, if applicable, the final SBA loan review decision, to the borrower within 5 business days of the remittance and comply with applicable requirements of the Lender Responsibilities Notice. If a borrower has begun making payments on their loan and the SBA loan review results in full forgiveness, the Lender must refund all payments made by the borrower.

If the SBA loan review results in a higher forgiveness amount, but less than full forgiveness, the lender must re-amortize the PPP loan and refund any excess payments made by the borrower.

Note: PPP Borrowers that have received full denial forgiveness decisions from their Lenders should continue to follow the process outlined in the Interim Final Rule on Loan Forgiveness Requirements and Loan Review Procedures as amended by the Economic Aid Act (86 FR 8283, February 5, 2021), as amended.

Lenders may call the Lender Hotline at (833) 572-0502 for live assistance regarding PPP access and support, policy questions and procedures, and Capital Access Financial System (CAFS) and SBA’s Electronic Transmission (E-Tran) systems support. Questions concerning the notice may be directed to the Lender Relations Specialist in the local SBA Field Office.

Notice 5000-827666 is posted on the WBA website.

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Events

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Basic Excel Skills for Accountants – Part 2 (Advanced)

Excel expert David Ringstrom, CPA, explains helpful ways you can improve the integrity of your spreadsheets. The presentation leads off with disaster recovery techniques, followed by using lookup functions such as VLOOKUP, MATCH/INDEX, and XLOOKUP. The presentation then moves on to using Power Query to automate report clean-up and analysis, and then finishes out with using Excel’s Solver feature to identify two or more transaction amounts that add up to a specific total.

Ringstrom 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

  • Accessing files closed without saving as well as interim back-ups Excel makes while you’re working in a workbook
  • Contrasting the INDEX and MATCH combination to VLOOKUP or HLOOKUP
  • Diagnosing #N/A errors that arise when numbers are stored as text or when text contains extraneous spaces
  • Enabling a workbook-specific setting that will create an automatic back-up of critical workbooks
  • Enabling Excel’s Solver add-in for more complex what-if analyses
  • Exploring the XLOOKUP worksheet function in Excel 2021 and Microsoft 365
  • Filtering cleaned-up accounts receivable aging report to display only overdue amounts
  • Looking up data to the left or right of a given column with XLOOKUP
  • Managing data security prompts that may appear when you link external data into Excel spreadsheets
  • Matching on two or more columns of criteria at once with XLOOKUP
  • Summing results from multiple columns with a single XLOOKUP function nested within a SUM function
  • Tweaking Excel’s AutoRecover settings to raise the odds of recovering your work after an Excel crash

Who Should Attend?
Practitioners who can benefit by using a variety of lookup functions to work more efficiently in Excel.

Presenter
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:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD  + $140
    • Additional Live Access + $85 per person
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The Effective Selling System for Banking – A 4 Part Series

It’s a fact — the top 7% of lenders and relationship managers, the very best in banking, follow a consistent process for “selling” and bringing in new relationships. This system helps them to develop strong sales behaviors so that they become masterful at repeatedly prospecting, qualifying, asking engaging and relevant questions and bringing in new relationships.

Included Webinars

  • The Effective Selling System for Banking Part 1: Maximize the Initial Call
  • The Effective Selling System for Banking Part 2: Are They Really a Prospect?
  • The Effective Selling System for Banking Part 3: Gain Clarity & Commitment with Your Prospect
  • The Effective Selling System for Banking Part 4: Present to get a Decision

Series Details

The Effective Selling System for Banking Part 1: Maximize the Initial Call
February 17, 2023, 10:00 am CST
In order to maximize your first meeting with your prospect, you must have a compelling phone call and you must be different from every other banker they have met with. This webinar will teach you an approach to differentiate yourself.

What You’ll Learn

  • To break through with a compelling phone call
  • To best open the meeting and ask a series of strong qualifying questions
  • To uncover if they have compelling reasons to leave their current bank
  • To follow an effective sales system to improve your closing rate and field fewer “think it overs”

The Effective Selling System for Banking Part 2: Are They Really a Prospect?
March 1, 2023, 10:00 am CST
It is your job to find out if your prospect has the capacity to invest their time, money and resources to fix a problem or take advantage of an opportunity. This webinar will help lenders and relationship managers learn the art of knowing the right questions to ask, when to ask them, and how to listen to understand. These are skills that take practice.

What You’ll Learn

  • A series of qualifying questions to uncover if your prospect has the time, money, and resources to make a decision
  • How to uncover if a prospect really qualifies to do business with you and your bank
  • How to follow an effective sales system to improve your closing rate and field fewer “think it overs”

The Effective Selling System for Banking Part 3: Gain Clarity & Commitment with Your Prospect
March 17, 2023, 10:00 am CDT
Ever wonder why you did not get that new relationship when you thought you had done everything you could possibly do? Often, the mistake can be found at the commitment stage. You failed to get clarity on the decision-making process and timeline. This webinar will show you a better way to uncover this with your prospect.

What You’ll Learn

  • An approach to gain clarity on what is agreed to
  • How to get an agreement to make a decision at proposal time
  • How to follow an effective sales system to improve your closing rate and field fewer “think it overs”

The Effective Selling System for Banking Part 4: Present to get a Decision
March 24, 2023, 10:00 am CDT
Making a presentation does not always lead to a sale, but it should if we do the right things on the first, second, and third base of the sales process. This webinar will show you a way to improve the likelihood you will close the business when you get to the presentation table.

What You’ll Learn

  • Understand the specific steps to take in order to close more business as you present your solutions
  • Provide a scorecard to help you determine if you have thoroughly qualified the prospect to do business with you
  • How to follow an effective sales system to improve your closing rate and field fewer “think it overs”

Who Should Attend
Lenders, relationship managers, business bankers, new business development, sales managers, sales leaders, trainers.

Presenter
Dan Fischer, sales development expert, has 28 years of financial sales and sales management experience working in the banking and insurance industries. During that time, he has developed a life-long passion for coaching along with an understanding of how to motivate salespeople. Using all the many tools and techniques from his past experience, Fischer is focused on helping salespeople and sales leaders become top quartile in their efforts. When he is not at work, Fischer can usually be found with his wife of 33 years and family. Fischer’s “Why” gets him up every morning… “to inspire, motivate and have a positive impact on people through my passion to help them achieve beyond what they imagined.”

For 27 years, Anthony Cole Training Group has been helping banks and other financial service organizations close their sales opportunity gap by helping them sell better, coach better and hire better. Our Mission: Grow People, Grow Organizations.

Registration Option

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $695
  • Available Upgrades:
    • 12 Months OnDemand Playback + $280
    • 12 Months OnDemand Playback + CD  + $400
    • Additional Live Access + $200 per person
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Understanding Bank Performance: Providing a Strong Foundation for the Next Generation of Bankers – 8 Part Training

Understanding Bank Performance is designed to help bankers understand the fundamentals of the industry. This program allows financial institutions to provide a foundation for new and experienced bankers looking to grow their careers. This program was designed with input from bankers, trainers, and other experts in the field to ensure students can understand and put into practice this subject matter.

Built as a virtual program, UBP offers unique flexibility, allowing your organization to implement it in the way that best fits your culture, whether it becomes part of your onboarding process or for management training.

Each session is 2 hours in length.

Included Webinars

  • Understanding Bank Performance Part 1: Fundamentals of Financial Statements I
  • Understanding Bank Performance Part 2: Fundamentals of Financial Statements II
  • Understanding Bank Performance Part 3: Credit Metrics & Credit Quality
  • Understanding Bank Performance Part 4: Funding & Liquidity
  • Understanding Bank Performance Part 5: Capital & Bank Investments
  • Understanding Bank Performance Part 6: Risk & Return
  • Understanding Bank Performance Part 7: Capstone Overview
  • Understanding Bank Performance Part 8: Proforma Capstone

Series Details

Understanding Bank Performance Part 1: Fundamentals of Financial Statements I
February 14, 2023, 10:00 am CST
This session will focus on the basics of a bank’s balance sheet. By analyzing a sample bank balance sheet, participants will demonstrate an understanding of the institution’s primary sources of earning assets, funding liabilities and total capital. Participants will practice identifying potential risks and limitations on financial performance and will leave with an understanding of how leverage, risk management and asset allocation impact earnings and performance.

What You’ll Learn

  • Develop a clear understanding of the relationship how assets, liabilities, and capital interrelate
  • Describe the different asset classes held by the bank
  • Identify primary funding sources
  • Understand risk-based capital

Understanding Bank Performance Part 2: Fundamentals of Financial Statements II
February 16, 2023, 10:00 am CST
Participants will analyze a sample bank income statement and relate it to the institution’s balance sheet. This session will address the differences between interest and non-interest income. Participants will learn how to analyze and explain a bank’s overall cost structure based on its balance sheet and income statement. The material covered will empower participants to interpret a bank’s financial statements and understand cash flow on both sides of the balance sheet.

What You’ll Learn

  • Identify components of a bank’s income statement
  • Identify how a bank generates revenue and earnings
  • Discuss the major cost drivers
  • Connect the balance sheet with the income statement
  • Identify how risk management strategies impact overall performance

Understanding Bank Performance Part 3: Credit Metrics & Credit Quality
February 22, 2023, 10:00 am CST
Participants will examine credit metrics looking at typical types of loans, as well as specialized lending and the importance of credit quality. Participants will also examine risks related to asset mix concentrations to assess methods to achieve the greatest return at a given level of risk tolerance.

What You’ll Learn

  • Understand the ratios that define how a loan portfolio is performing
  • Discuss the pros and cons of different portfolio types
  • Identify how risk is quantified and measured
  • Explain regulatory limits on portfolio concentrations

Understanding Bank Performance Part 4: Funding & Liquidity
February 23, 2023, 10:00 am CST
How efficiently a bank funds its earning assets is one of the single largest determinants of financial performance and is a critical component of an institution’s overall business plan. Participants will examine how funding strategies impact a bank’s overall liquidity and operational costs. Building on key concepts developed in earlier sessions, participants will arrive at a detailed understanding of how banks fund themselves and how various factors come into play in this process.

What You’ll Learn

  • Develop a clear understanding of liquidity in banks
  • Describe how banks manage liquidity
  • Discuss funding strategies
  • Analyze the capital position and the impact it may have on financial performance

Understanding Bank Performance Part 5: Capital & Bank Investments
February 28, 2023, 10:00 am CST
This session focuses on capital components, strategies, attributes, structure and other factors that drive value. Participants will consider these topics from several different perspectives, first learning the basics and then progressing through increasingly complex analyses of the subjects covered. By considering how a wide array of variables interact with one another to affect performance, participants will arrive at a dynamic understanding of the role of capital in banking.

What You’ll Learn

  • Develop a clear understanding of capital through analysis of the balance sheet
  • Discuss capital instruments, retained earnings, dividends, share repurchase
  • Identify and discuss the importance of capital ratios, regulatory requirements and valuation
  • Identify shareholder’s risk in bank investment, merger, and acquisitions (M&A) activity

Understanding Bank Performance Part 6: Risk & Return
March 2, 2023, 10:00 am CST
Financial performance is a function of leverage, earnings, and expenses. As banks make decisions affecting each of these three factors, they also increase or decrease the risk of loss to shareholders and may impact the deposit insurance fund. Participants will gain a broad understanding of risk considerations as they relate to a bank’s financial performance.

What You’ll Learn

  • Discuss risk management expectations
  • Understand various risks to your bank and mitigation strategies
  • Apply risk and return examples using scenario-based opportunities

Understanding Bank Performance Part 7: Capstone Overview
March 7, 2023, 1:30 pm CST
The capstone overview session will bring together the core lessons from previous sessions and prepare participants to test their mastery of the topics covered. Key performance indicators will be reviewed and capstone assignment criteria will be shared. Participants will be expected to assess various aspects of the bank’s performance and make suggestions related to increasing performance and managing risk.

What You’ll Learn

  • Discuss key performance indicators
  • Describe the different asset classes held by the bank
  • Describe the bank’s general funding strategy
  • Analyze capital position and the impact it may have on growth

Understanding Bank Performance Part 8: Proforma Capstone
March 9, 2023, 1:30 pm CST
The proforma capstone overview session will bring together the core lessons from previous sessions. Key performance indicators will be reviewed using a proforma report generated from a real financial institution not previously considered during the course. Using the information in the proforma, participants will have the opportunity to assess various aspects of the bank’s performance and make suggestions related to increasing performance and managing risk.

What You’ll Learn

  • Assess and analyze financial performance by working with data from real institutions
  • Become familiar with the ins and outs of balance sheets and income statements
  • Learn how to apply key performance metrics to the data presented in these documents
  • Deeper insight into the factors affecting performance
  • How performance may hinder or improve funding strategies and risk management
  • Review a bank’s financial statements to identify strengths and weaknesses
  • How to recommend changes for improved performance
  • Rate a bank’s performance

Who Should Attend
Anyone looking to understand the fundamentals of the industry. This program allows financial institutions to provide a foundation for new and experienced bankers looking to grow their careers.

Instructor Bio

Duncan Taylor is the SVP and chief operating officer for the Washington Bankers Association and serves as President of WBA Professional Services, Inc. He is a seasoned association management professional and is also an experienced small business and not-for-profit technology consultant. He’s a third-generation “accidental banker”, as both his mother and grandmother had careers at Washington Mutual. Taylor grew up around “the bank,” and it left an indelible impression on him as to the importance of the work the industry performs.

Taylor’s consulting background gives him a unique perspective in understanding and connecting the actions of an institution with the effects and impact it has on customers and stakeholders. He’s also a bank data “nerd” and will happily discuss the ins and outs of your Call Report.

Taylor has a breadth of teaching experience, ranging from financial literacy education to capital budget details for Washington State school construction — his specialty is breaking down complex topics into digestible chunks.

Taylor is a graduate of Pacific Coast Banking School, holds an ABA Bank Operations Diploma, and is also an alumnus of Highline College’s Political Science program, Western Governor’s University Business Administration and IT Management program, and the Society for Nonprofits Leadership and Management program at Michigan State University.

 

Registration Option

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $1650
  • Available Upgrades:
    • Additional Live Access + $1250 per person
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Deposit Operations 2023 – 1st Quarter

We will look at Regulation D, E, CC, DD, and the hot topics that surround these regulations. What are the new supervisory issues, FDIC insurance issues, exam hot spots, and everything that deposit compliance officers need to do their jobs in 2023?

What You’ll Learn

  • Overdraft Programs
  • Deposit Discrimination — UDAAP
  • Marijuana Update
  • Handling time deposits — renewals, partial withdrawals
  • Who needs a NOW account when we have interest-bearing DDA
  • Regulation CC Changes
  • Error Resolution for Regulation E
  • Deceased Accounts
  • Tax reporting, B Notices, and penalties
  • NRAs

Who Should Attend
This program is designed for deposit operations, deposit compliance, branch administration, bookkeeping, account services, and those who run the operations side of the bank.

Instructor Bio
Deborah Crawford is the President of Gettechnical Inc., a Florida based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor’s and master’s degrees from Louisiana State University. She has 35+ years of combined teaching and banking experience.

Registration Option

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD  + $140
    • Additional Live Access + $75 per person
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GSB – Digital Banking School

Banking continues to evolve — and as consumer preferences have moved from lobby to service multi-channel, multi-touch interactions, the demand for digital banking services has grown exponentially.

This shift — plus pressure from new and non-traditional competitors for all types of financial services — has led to an entirely new banking landscape. To remain competitive today — and viable tomorrow — community banks need to devote attention, staffing and financial resources to innovation, digital product mix, online customer engagement, technological advances, vendor partnerships and more.

GSB’s Digital Banking School is the first school of its kind — focused exclusively on demystifying these sometimes-intimidating topics — to help community banks move into and/or grow in the digital banking space.

This immersive experience will showcase the key elements of a bank’s effective digital strategy and will be led by industry thought leaders who are experts in digital banking and innovation.

What You’ll Gain

  • Defining the Game
  • Get off the Sidelines — Why Digital Banking?
  • Which Version Do You Want to Play?
  • Create Your Team — The People Factor in Digital Banking
  • What Equipment Do You Need?
  • Building the Foundation to Help You Achieve Digital Banking Success
  • Promoting Your Digital Bank and Building Your Brand
  • Technology & Risk: Cybersecurity Challenges

Who Should Attend

Given the scope of all that’s involved in digital banking, we encourage broad participation across all various areas of the bank — and that’s why we’ve priced this school with a single, affordable per-bank fee. We encourage community bank CEOs to attend, along with leadership teams from operations, retail strategy, lending, business development, marketing, technology, project management, cybersecurity and compliance. All will benefit from the program and be better positioned to make the important shifts that drive digital banking success.

When: April 3–27, 2023

Program Fee: $3,300/bank

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Fair Lending Essentials

Discrimination can be obvious, subtle, or unintended. Charges of discrimination can come from any direction. Risk comes in the form of penalties, regulatory enforcement actions, civil liability, or damage to a bank’s reputation, to mention a few. The best defense against these threats and risks is developing and maintaining a sound, fair lending compliance management system.

Over the years, Fair Lending violations have led to consent decrees that include: significant civil monetary penalties, reimbursement to borrowers, and burdensome remedial action to prevent further violations

What You’ll Learn

  • Basic fair lending concepts
    • Laws and regulations
    • Bases of discrimination
    • Types of discrimination
  • How to build and maintain a fair lending compliance management system, including policies and procedures
  • How to conduct a fair lending risk assessment
    • Evaluating inherent and residual risk
      • For various loan products (commercial, real estate, consumer, etc.)
      • For various aspects of the process (application, underwriting, pricing, advertising, collection)
    • Rating risk
  • How to mitigate fair lending risk
    • Reviewing policies and procedures for fair lending problems and eliminating those concerns
    • Training – Who, How, When, and What
    • Monitoring/Auditing
      • Exceptions
      • HMDA data
      • Pricing
      • Marketing/Advertising

Who Should Attend

The program is designed for the Board of Directors, senior management, loan department management, compliance officers, loan officers, marketing officers, auditors, and others with responsibilities related to the marketing, origination, and servicing of loans.

Presenter
Kimberly Boatwright is EVP and Director of Risk and Compliance at Compliance Resource, LLC, and has more than two decades of experience working in the financial services industry. Ms. Boatwright is a well-regarded financial industry risk and compliance professional with a strong background in program development and implementation. She is a thought leader who specializes in Fair Lending, Anti-Money Laundering, OFAC, and consumer compliance. During her career, she has worked for and consulted with all types of financial institutions helping to establish and evolve compliance and risk programs. She is a frequent public speaker, trainer, and author on compliance and risk management topics. Kimberly is a Certified Regulatory Compliance Manager and a Certified Anti-Money Laundering Specialist.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + Digital Download +$140
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person
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The Triple Play of Supervisor Communication: O3s, Feedback, Coaching

Every supervisor can get a hit when they commit to practicing three communication techniques: one-on-ones, feedback, and coaching. Ask any employee what they want more of from their supervisor and you will hear, “more one-on-one time, more feedback, and more coaching.” Likewise, ask any supervisor what they want more of and you will hear, “more time to get my work done.” How can a supervisor find the time to give employees what they want?

This workshop is designed to instill the importance of O3s, providing feedback, and coaching while working it into an already busy schedule. Planning for this time on the front end will yield better results and higher productivity. Getting started can be challenging and consistency is crucial.

What You’ll Learn

  • Recognize the “silver bullet” value of one-on-one meetings
  • Share best practices for scheduling
  • Differentiate between “affirming” and “for improvement” feedback
  • Discover the top two coaching skills
  • Gain confidence with suggested frameworks and dialogue starters
  • Participate in practice conversations with peers

Who Should Attend
This workshop is for any supervisor who wants to get a big return on their investment of time. From the executive suite to the frontline, anyone with management responsibilities can win the world series of employee development through O3s, feedback, and coaching.

Presenter
Karen Butcher is a former teacher, Mary Kay Sales Director, and trainer whose career journey led her to leave the corporate world to train and coach women and men who want to elevate their leadership skills, lead productive teams, and achieve their goals. Butcher is a Certified Bank Training Professional who earned her credential in 2016. She is a Senior Training Consultant for Interaction Training and travels the country facilitating bank supervisor training. Attendees appreciate her hands-on approach to offering tools to coach and lead teams.

In addition, Butcher works with Leadership Kentucky as the program coordinator for BRIGHT Kentucky, a new program for young professionals in the 54 counties of the Appalachian Regional Commission.

Butcher’s passion for people is evident and she knows what is required to become a leader who people want to follow. She believes it’s time for a new leadership philosophy where leaders hold themselves and their teams accountable and let go of outdated practices.

Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + Digital Download +$140
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person
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WBA Introduction to Commercial Lending

The WBA Introduction to Commercial Lending School will start on Monday, March 20, 2023 at 9:00 a.m. and conclude on Wednesday, March 22, 2023 at 2:45 p.m.

This school curriculum is designed to provide bankers with a basic understanding of the principles and concepts of commercial lending.

Curriculum Includes: 

  • Structure of the Typical Business
  • Loan Structuring and Investigation
  • Reading & Analyzing Business Financial Statements
  • Cash Flow Analysis
  • Introduction to Ratios
  • Ratio Calculation & Trend Analysis
  • Introduction to Collections and Bankruptcies
  • Lending to New Business Start-Ups
  • Commercial Lending Laws
  • Lending Decisions
  • Documentation
  • Government Programs
  • Dynamics of Commercial Lending
  • Team Case Study: A comprehensive case study intended to draw all the elements of the curriculum together in a practical exercise

Who Should Attend?
Bankers who are relatively new to commercial lending and want to develop strong lending and credit decisioning skills, branch managers, retail lenders, credit analysts, and loan support staff.

Course Requirements:
Each student’s performance will be evaluated through class participation and case study group work. Participants will be expected to attend all classes and participate in a group case study to successfully complete the program.

Registration Information:
The registration fee of $795 includes program registration, instruction and materials, and daily lunch and refreshment breaks.

Refund Policy:

A refund, less a $150 administrative fee, is provided for written cancellations received by WBA 10 or more business days before the start of a school. All requests for cancellations or substitute registrations must be provided in writing to WBA Education.

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Lending Hot Topics

Rules and regulations specific to lending tend to change on a pretty regular basis, and 2022 was no exception. Join Regulatory Compliance Counsel Michael Christians for this 90-minute session that will focus both on changes that occurred in 2022 as well as changes scheduled to occur in 2023.

What You’ll Learn

  • Changes to the General Definition of a Qualified Mortgage
  • Changes to the Home Mortgage Disclosure Act
  • The Transition Away from the LIBOR Index
  • Revised Regulation Z Thresholds for 2023
  • The Supplemental Customer Information Form
  • And much more!

Who Should Attend
Anyone involved in the lending process would benefit from the information covered during this session, including loan officers, loan processors, and lending department management. In addition, compliance professionals and internal audit staff are also encouraged to attend.

Instructor Bio
As principal of Michael Christians Consulting, LLC, Michael Christians assists financial institutions and organizations across the country with ensuring their compliance programs conform to Federal laws and regulations. He provides counsel relative to current rules, assists with the strategic implementation of upcoming regulatory changes and offers customized education and training services. Michael has more than two decades of experience in the financial services industry with a primary focus on consumer compliance. He obtained his Juris Doctorate from Drake University Law School. He is a member of the Iowa State Bar where he is licensed to practice law.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + Digital Download + $140
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person
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Lending to Municipalities

This webinar has been developed for banks and bankers who are aware of opportunities to serve their community through credit services to municipalities and other local government or quasi-governmental organizations (i.e. volunteer fire departments, emergency health care providers, political subdivisions, etc.). Extending credit to municipal entities requires legal, tax, accounting and credit knowledge, and analysis that can be quite different from conventional commercial lending decisions. There are many issues involved. Governmental entities provide financial information, often using unfamiliar fund accounting. Budgeting constraints have a direct impact on how credit requests are structured. Lease financing is frequently needed. Commercial customers may need financing for contracts with local government entities. Since 2008, municipal bankruptcies have risen, but overall the default risk on municipal bonds is low and interest paid by municipalities and related types of entities is often tax free to the bank.

What You’ll Learn

  • Governmental use of bond financing
  • Impact of frequent long-term financing needs on bank credit evaluation and profitability
  • Basics of fund accounting
  • Effect of different forms of municipal government: mayor/council, council/manager, or commission
  • Importance of relationship in municipal lending (all politics are local)
  • Collateral and lien documentation
  • Lending/credit opportunities (needs)
  • Profitability and federal income tax-free interest income
  • Benefits beyond profitability

Who Should Attend
Loan officers, credit analysts, note and credit department personnel, internal auditors, loan review and compliance personnel, or any banker involved in the lending function.

Instructor Bio
Robin Russell has practiced law for 30 years and is licensed in Texas, New York, and Massachusetts. She is a fellow in the American College of Bankruptcy and of the American Law Institute. She combines a depth of experience in bankruptcy restructuring and litigation with financial transactions. She has represented corporate debtors, independent directors, liquidating trustees, bondholders, unsecured creditors’ committees, bank groups, private equity funds, landlords, trade creditors, and bidders for estate assets in Chapter 11 and Chapter 7 bankruptcy proceedings. She has also represented banks, institutional lenders, and corporate borrowers in commercial loan transactions and debt restructurings.

Russell is the principal author of Thomson Reuters’ Texas Practice Guides for both Creditors’ Rights and Financial Transactions and the Texas Bankers Association’s Texas Secured Lending Guide, Texas Problem Loan Guide, Texas Real Estate Lending Guide, and Texas Account Documentation Guide. She is a frequent speaker on banking, bankruptcy, and financial restructuring-related topics and has served as a Chapter 7 Trustee. Russell received her LL.M. in Banking Law from Boston University and her J.D. from Baylor University where she was Editor-in-Chief of the Baylor Law Review and the highest-ranking graduate in her class. She clerked for the Texas Supreme Court before beginning her legal career.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person
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questions@wisbank.com

608-441-1200

4721 S Biltmore Ln.
Madison, WI 53718

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