Tag Archive for: Consumer Lending

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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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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Basic Cash Flow Analysis

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

  • Comparison of Traditional Cash Flow Method (Net Income + Depreciation + Interest divided by Annual Debt Service) to the UCA model
  • Rules of Cash Flow
  • Accrual Basis versus Cash Basis of preparing financial statements, and how cash flow analysis links the two
  • How each amount on a Universal Cash Analysis is calculated and the meaning of each
  • A Fast Cash Analysis method that can achieve the same results in less time than the UCA method

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.

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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Excel Explained: Minimize Spreadsheet Errors

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

  • Building resilience into spreadsheets by avoiding daisy-chained formulas.
  • Displaying alternate results with XLOOKUP by populating the If_Not_Found argument instead of using IFERROR or IFNA.
  • Enabling selected users to access protected areas of a worksheet by way of the Allow Users to Edit Ranges feature.
  • Improving the integrity of many Excel features by placing column headings within a single row instead of spanning two or more rows.
  • Improving the integrity of spreadsheets by using SUMIF to look up values in a more flexible fashion than VLOOKUP.
  • Learning a simple design technique that greatly improves the integrity of Excel’s SUM function.
  • Learning about the IFNA function available in Excel 2013 and later.
  • Learning how VLOOKUP stops looking after it finds an initial match within a list.
  • Limiting access to sensitive workbooks by way of password protection.
  • Preserving key formulas using hide and protect features.
  • Prevent errors from the start by choosing from thousands of free Excel spreadsheet templates.
  • Protecting workbooks to prevent users from renaming, hiding, unhiding, or otherwise affecting worksheets.

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:

  • 12 Months OnDemand Playback + $110
  • 12 Months OnDemand Playback + CD + $140
  • Additional Live Access + $75 per person
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Flood – Understanding the Basics

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

  • Understand critical elements in the flood determination process
  • Calculate the minimum amount of flood insurance required
  • Explain the differences between an NFIP versus a private flood policy
  • Appropriately review a private flood policy
  • Recognize timing requirements for force placing flood insurance
  • Watch for potential flood issues with third-party service providers
  • Implement monitoring and tracking tools to aid with fulfilling compliance responsibilities

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:

  • 12 Months OnDemand Playback $110
  • 12 Months OnDemand Playback + CD $140
  • Additional Live Access $75 per person
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WBA/ABA Online Course: Consumer Lending

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

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WBA/ABA Consumer Lending

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

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Converting Accrual Statements into Cash Flow

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

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $320 – Both Live & On-Demand Access + Digital Download
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Acing Your Job As a Customer Service Expert

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

  • 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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608-441-1200

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Madison, WI 53718

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