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
Events
Lenders and credit analysts only have one chance to make a good loan decision or face time-consuming and costly consequences. Are your commercial lending practices safe and sound?
After This Webinar You’ll be Able To:
- List the nine steps in the commercial lending process financial institutions should follow to obtain the type of borrowers they seek
- Specify the unique risks associated with commercial lending
- Understand the impact and benefits of commercial lending to financial institutions
- Discover the impact of commercial lending to the national, state, and local economies and why regulators encourage financial institutions to support individuals and small companies
- Avoid common mistakes during the underwriting and decision-making processes
Webinar Details
Interest and fee income from commercial loans represent a primary source of revenue for financial institutions. The continued flow of capital from loans drives our national and local economies. In addition, regulators encourage institutions to support individuals and small businesses by lending to creditworthy borrowers. This is proven by the interagency guidance issued during the height of the worldwide pandemic. Therefore, thorough credit analysis is paramount before loan decisions are made.
This webinar will address the role of financial institutions as arbiters of risk in supporting the economy while making safe and sound loans in compliance with regulatory requirements. Sometimes, these objectives conflict with each other. This session will present the risks, rewards, control factors, and common mistakes made during commercial underwriting.
Who Should Attend?
This informative session is designed for 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 list and summation of the nine steps in the commercial lending process
- Summary of the seven habits of effective credit administration
- Outline of the common mistakes made during credit underwriting
- Employee training log
- Interactive quiz
- PDF of slides and speaker’s contact info for follow-up questions
- Attendance certificate provided to self-report CE credits
Note: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.
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 bachelors 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
- $245 – Live Webinar Access
- $245 – OnDemand Access + Digital Download
- $350 – Both Live & On-Demand Access + Digital Download
This webinar will cover the basics of how to craft an effective commercial loan write-up.
The session will begin with a brief overview of loan write-ups or credit memorandums including types, styles, and necessary component parts (relationship information, financial analysis, management review, and risk assessment/mitigation).
The financial analysis section will highlight “liquidity, activity, leverage, operating performance, and cash flow analysis.” Additionally, the “Z-score” bankruptcy predictor will be reviewed.
The session will also cover additional important loan write-up items including assessing the company’s strategic plan — “marketing, financing, and management.” Also, the “risk assessment and mitigation” section will be used to summarize the loan presentation.
Three “standard” commercial loan write-ups will be presented in order to illustrate the concepts.
Covered Topics
- Review effective commercial loan write-ups
- Discuss types, styles, and components parts
- Cover the financial analysis section
- Assess the company’s strategic plan and management’s strengths/ weaknesses
- Analyze the risk assessment and mitigation section as a summary of the loan presentation
- Summarize the concepts by reviewing three loan write-ups
Who Should Attend
Commercial lenders, relationship managers, credit analysts, private bankers, and business development officers.
Instructor Bio
David L. Osburn, MBA, CCRA, is the founder of Osburn & Associates, LLC, a Business Training & Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, credit managers, attorneys, and business owners.
His extensive professional background of over 30 years includes 20 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of vice president –senior banking officer. Mr. Osburn has also been an adjunct college professor for over 30 years including College of Southern Nevada.
Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279
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
The Call Report for 2022 is impacted by new and recent reporting requirements related to the adoption of the lease accounting standard, reporting brokered deposits, sweep accounts, and international remittance transfers.
Consideration of the FASB’s Accounting Standard Update (ASU) 2022-02 with impact to Accounting Standard Codification (ASC) Topic No 326 related to the elimination of Troubled Debt Restructuring recognition and measurement is also impactful to future regulatory reporting.
Also, consideration of the FASB issued exposure draft related to the extended application of ASC Topic No 848 related to Reference Rate Reform will be discussed in this training.
Covered Topics
- New and Recent Reporting Revisions for 2022 Call Reports
- Elimination of the temporary increases in total assets measurement.
- Key elements and new items for reporting related to CECL
- A discussion on reporting TDRs
- Reference Rate Reform matters
- Reporting leases under ASC Topic No 842
- Reporting HELOCs as closed-end in your 2022 reports
- Reporting International Remittance Transfers
- The changes related to the brokered deposit framework
- Newly added items to Schedule RC-E on retail sweep accounts
- Common questions and potential reporting errors
- Realized and unrealized gains and losses on equity securities
- Loan coding and reporting income on loans
- Reporting multi-family loans in RC-C and RC-R
- PPP reporting and risk weighting
- Reporting unfunded commitments
Who Should Attend
Anyone responsible for preparing, reviewing, auditing, or signing the Call Report will find the program valuable. The seminar is designed for more experienced preparers and reviewers interested in new reporting requirements and up-to-date rulings impacting preparation of the Call Report.
Instructor Bio
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
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279
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
Get a heads up before examiners arrive! The TRID rules are complicated which can ultimately lead to errors and put your bank at risk. This webinar will point out what examiners are looking for and will also bring your attention to areas that are notorious for errors. Consider this webinar your “cheat sheet” to get you on the right track BEFORE your next examination.
Covered Topics
- Loan Estimate & Closing Disclosure Majors
- Common Loan Estimate & Closing Disclosure Issues
- Revising the Loan Estimate & Closing Disclosure
- The Latest CFPB Guidance
- The “Good Faith” Standard
- Shopping
- Tolerance Comparisons & Cures
- Best Practices, Examination Feedback & Much More!
Who Should Attend
This webinar is designed for consumer real estate loan officers, loan processors, and compliance and audit personnel.
Instructor Bio
Jerod Moyer is the leader of Banker’s Compliance Consulting’s training productions. He is a nationally recognized speaker. Whether it’s a conference, seminar, school, webinar or luncheon, it’s easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Moyer has spoken on behalf of the American Banker’s Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.
Moyer likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!
Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279
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
Commercial accounts require special and ongoing attention — especially in the BSA realm.
Does your program satisfy all the CDD and beneficial ownership requirements for business accounts? Do you know what’s on the horizon? Don’t get caught short during your next BSA exam.
After this webinar you will be able to:
- Discuss this overview of BSA laws and penalties
- Manage due diligence requirements
- Identify and track beneficial ownership
- Understand FinCEN’s proposed beneficial ownership reporting rule
- Employ available BSA resources
Webinar Details
Commercial services offer many unique opportunities. From increased community involvement to increased fee income, there’s potential to make a positive impact on the community and bottom line. But with massive penalties being imposed for BSA violations, now is not the time to conduct business as usual. Gone are the days when proper account access was your only concern. Heightened customer due diligence requirements, combined with increased regulatory focus on business accounts used in criminal activity, have dramatically changed BSA obligations.
Bank Secrecy Act compliance continues to be a high regulatory examination target and one that should receive extensive time and attention. The Financial Crimes Enforcement Network (FinCEN) has even proposed a new rule to further focus on commercial accounts and limit their use in hiding nefarious activity. Do you understand the potential impact to your institution? This webinar will review the entire business account process from account opening and monitoring to beneficial ownership, and will highlight the potential landmines.
Who Should Attend?
This informative session is designed for BSA officers, senior executives, directors, compliance personnel, audit staff, security officers, and anyone involved with the BSA program.
Take-Away Toolkit
- Beneficial ownership checklist
- Key regulatory guidance
- Examination guidance
- Employee training log
- Interactive quiz
- PDF of slides and speaker’s contact info for follow-up questions
- Attendance certificate provided to self-report CE credits
Note: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.
Presenter
David A. Reed, JD – Reed & Jolly, PLLC
Attorney, author, consultant, and nationally recognized trainer, David Reed is a partner in the law firm of Reed & Jolly, PLLC. He provides guidance to financial institutions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections.
A former trial attorney and vice president and general counsel of a large regional financial institution, Reed is also a Certified Fraud Examiner. He is particularly known as an expert in the areas of operations, bankruptcy, and collections. He has trained state and federal examination staff on numerous issues, including BSA, ID theft red flags, SAFE Act, third-party contract management, and bankruptcy.
Registration Options
- $245 – Live Webinar Access
- $245 – OnDemand Access + Digital Download
- $350 – Both Live & On-Demand Access + Digital Download
This program covers the risks and rewards of loan participations to both the lead bank and the purchasing bank. Attendees will gain a thorough understanding of Participation Agreements.
A participant’s checklist for a well-drafted Participation Agreement will be reviewed, and administration of the participated loan will be discussed.
Covered Topics
- Advantages of a participation to the lead bank and participant bank
- Risks to the participant
- Lack of information
- Lack of involvement in negotiations
- Dependency upon lead
- Waivers
- Financial instability/insolvency of lead
- Set-off by borrower
- Failure to perfect
- Conflicts of interest
- Due diligence by the participant and access to information
- Disclosure of participation to borrower
- Concentrations and other regulatory aspects of participations
- Loan agreement provisions related to participations
- Duties owed by lead to participant
- Rights to loan collateral and guaranties
- Loan administration issues
- Loan payments and other functions
- Consent to amendments
- Restrictions on transfer
- Loan purchase options
- Reimbursement and indemnification obligations
- Subparticipations
- Set-off by participant
- Understanding the participation agreement
- The participant’s checklist
- The participation in workout
Who Should Attend
CRE lenders, commercial lenders; credit analysts, loan review specialists, special assets officers, lending managers, and credit officers. Support personnel involved in the administration of loan participations are also encouraged to attend.
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
This webinar was developed by a lawyer who has been teaching loan documentation for more than 25 years. Taught at a basic level (for bankers, not lawyers), the instructor will lead participants through all sections of the various required real estate loan documents. The purpose is to create a deeper understanding of why certain documents are required, plus the significance of various sections and verbose language (often referred to as “boilerplate”). Being able to explain document content will add much to customer relationships.
Covered Topics
- Real Estate Lien Note/Promissory Note: The note is enforceable against the borrower! Review of each section for content, purpose, rights of all parties and scope of language.
- Mortgage & Deed of Trust: The mortgage or deed of trust is enforceable against the real property interest taken as collateral. Review of each section for content, purpose, rights of all parties, representations and warrantees, plus enforceability.
- Title Commitment and Title Policy: The title policy protects the lender by assuring an acceptable lien position. Knowing what to expect and what to look for is essential to underwriting and closing real estate loans.
- Guarantees: A guarantor of a real estate loan may have limited recourse and/or may execute a special environmental guaranty. Bankers need to understand the types of guarantees specific to real estate loans
Who Should Attend
Lenders, loan assistants, loan operations personnel, credit analysts and personnel involved in real estate loan review, internal audit, and compliance.
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
Excel expert David H. Ringstrom, CPA, focuses on the basics of using Excel pivot tables in this comprehensive presentation. Pivot tables empower you to easily create reports from complex data, simply by using your mouse. Ringstrom explains how to initiate a pivot table from a list of data, expand and collapse pivot table elements, dig deeper into the numbers with the Report Filter command, and much more. As is the case with many features in Excel, pivot tables have nuances that can trip you up, so Ringstrom points out traps and teaches you tricks to help ensure your reports are always accurate.
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. Ringstrom 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. Ringstrom 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
- Identifying the ideal data for analysis with Excel’s PivotTable feature.
- Creating a pivot table to transform lists of data into on-screen reports.
- Distinguishing the differences among pivot table-related menus in Excel 2013 and later versus older versions of Excel.
- Adding rows to a blank pivot table to create instant reports.
- Repositioning or removing subtotals within pivot tables.
- Exploring the nuances of formatting numbers within pivot tables.
- Avoiding the dreaded PivotTable Field Name Already Exists error prompt.
- Filtering pivot tables to show fewer columns and/or rows of data.
- Presenting the largest or smallest values in chart form by way of a Top 10 pivot chart.
- Unlocking additional filtering capabilities in pivot tables by knowing where to position one’s cursor to re-enable the Filter command.
- Utilizing the Tabular Format command to display pivot table data in two or more columns instead of a single column in Compact Form.
- Resetting all filters at once within a pivot table by way of the Clear Filters command.
Who Should Attend
Professionals who need to create actionable reports from lists of data with minimal effort.
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 David, 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 + $75 per person
Attend this proactive webinar and gain an understanding of the often complex and confusing topic of TAXES!
Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this webinar will concentrate on personal tax return analysis while the second part will focus on the analysis of various business tax returns.
Covered Topics
- The objectives of the first part of the webinar consist of the following:
- Review the basic structure of the personal 1040 federal tax return (including the various schedules and K-1 forms)
- Use analysis techniques to prepare a personal cash flow from information gleaned from the 1040 and the related schedules
- Discuss recent changes in the tax code including the “Tax Cuts and Jobs Act” (TCJA), the CARES Act, and proposed tax legislation and how they affect the bank’s individual borrowers/guarantors, and
- Describe how the 1040 tax return can be used to market the bank’s products and services.
The second part includes:
- Discuss the structure of a C corporation, S corporation, and Partnership (including LLC) tax return
- Analyze business tax returns and prepare cash flows for these entities
- Draw additional information from the business returns including identifying fraudulent tax returns
- Discuss updates in the tax code including the TCJA, CARES, and proposed tax legislation as they apply to businesses.
Who Should Attend
Commercial lenders, credit analysts, consumer lenders, mortgage lenders, loan documentation specialists, branch managers, assistant branch managers, private bankers, and business development officers.
Instructor Bio
David L. Osburn, MBA, CCRA, is the founder of Osburn & Associates, LLC, a Business Training & Contract CFO Firm that provides seminars, webinars, and keynote speeches for bankers, CPAs, credit managers, attorneys, and business owners.
His extensive professional background of over 30 years includes 20 years as a Business Trainer/ Contract CFO and 16 years as a bank commercial lender including the position of Vice President/Senior Banking Officer. Mr. Osburn has also been an adjunct college professor for over 30 years including College of Southern Nevada.
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
