Tag Archive for: Credit Analysis

Events

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CECL and the Call Report Half Day Streaming Event

The filing deadline is April 30, 2023 for the March 31, 2023 report date. Get your questions answered regarding how to report your CECL adoption in the Call Report.

The format for this webinar will be live streaming with 2 designated Q&A sessions.

Your March 31, 2023 Call Report will require new line items to be completed due to the Implementation of ASU 2016-13 and Accounting Standard Codification Topic No. 326 that is effective on January 1, 2023 for all calendar year institutions. This webinar will assist Call Report preparers, reviewers or auditors understand the various schedules and line items impacted by CECL reporting requirements.

Participants will walk through the changes in terminology that become effective upon adoption of the Current and Expected Credit Losses (CECL) methodology for recording the estimated and expected losses on not only the loan portfolio, but any asset carried at amortized cost, to include debt securities held as available-for-sale and held-to-maturity. Participants will understand:

  • The transition from Allowance for Loan and Lease Losses (ALLL) to the Allowance for Credit Losses (ACL).
  • How to report assets that were considered purchase credit impaired (PCI) that become purchase credit deteriorated (PCD) upon adoption of CECL.
  • How to elect a phase-in of the negative impact to equity capital resulting from the day-one implementation entry.
  • How to determine your CECL transitional amount and your ACL transitional amount.
  • What goes into the calculation of the Adjusted ACL (AACL) that is required for capital ratio calculations.

What You’ll Learn

  • Schedule RI provisions for credit losses and provisions for unfunded commitments
  • Schedule RI-A and the impact of your day-one CECL implementation entry
  • Schedule RI-E reporting the adjustments required in the ACL and Retained Earnings resulting from the day-one entry and beyond
  • Schedule RI-B Part II and the roll-forward of the ACL on loans, HTM and AFS debt securities, and other assets determined to be PCD
  • Schedule RI-C Part II reporting the ACL by loan segment and HTM securities
  • Schedule RC and how to report loan balances and the ACL on loans, securities, and other assets
  • Schedule RC-B HTM debt securities with an associated ACL
  • Schedule RC-C reporting loan balances
  • Schedule RC-G and reporting the ACL on unfunded commitments
  • Schedule RC-K and reporting averages and total assets
  • Schedule RC-N reporting loan balances
  • Schedule RC-O for large institutions that elect a phase-in of the negative capital impacts
  • Schedule RC-R Part I and Part II impacts on reporting capital adjustments and determining the ACL includable as Tier 2 capital.

Who Should Attend
This review of selected Call Report schedules and reporting items impacted by CECL adoption will benefit anyone responsible for preparing, reviewing or auditing the Call Report to include personnel in accounting, lending and credit operations, and financial executives. This training will supplement annual comprehensive Call Report training recommended by bank regulators.

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 Stream: Includes access to the recording for 12 months: $749

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WBA Agricultural Lending School

The 2023 WBA Agricultural Lending School will be held August 22–24, with an optional pre-school workshop on August 21, at the Wisconsin Bankers Association office in Madison. Classes will begin at 9:00 a.m. on Tuesday and conclude at 3:00 p.m. on Friday. This school was developed as an intermediate-level school. Case studies, in-class work, class discussions, and a farm visit are all elements of this school.

An optional pre-school workshop has been added on August 21. This optional workshop is geared towards those ag lenders and credit analysts who would like to strengthen their foundational knowledge of ag financial statements, the 6 C’s of Credit, and look at some initial ratios. The 3-day school curriculum is based on attendees having an intermediate-level knowledge of these topics. If you’d like a refresher or to reinforce your ag financial statement knowledge, sign up to attend this optional workshop during registration.

Curriculum Includes:

  • “Lenders’ Lens” on Agriculture Today
  • Cyclical Nature of Agriculture
  • Borrower and Lender Relationship
  • Agricultural Financial Statements
    • Farm Business Financial Model for Informed Decisions
  • Cash Flow Budgeting
  • Introduction to Financial and Credit Analysis
  • Financial and Credit Analysis
  • Risk Management
  • Commodity Marketing
  • Credit Structuring
  • Credit Enhancements
  • Loan Narrative/Credit Presentation
  • Farm Visit & Recap
  • Introduction to Problem Loans
    • Looking for Red Flags
  • Bank Policy
  • Preparing for Loan Committee

Optional Pre-School Workshop Curriculum Includes:

  • Farm Business Financial Model for Informed Decisions – a focus on the building of financial statements
    • Balance Sheet
    • Income Statement
    • Statement of Cash Flows
    • Reconciliation
  • The Building Blocks for Credit Decision Making – the 6 C’s of Credit

School Faculty:

  • Bradley Guse, senior vice president – agribusiness banking, BMO Harris Bank, N.A., Marshfield
  • Dr. Kevin Bernhardt, professor and UW Extension Farm Management Specialist, UW-Platteville

Who Should Attend:
This school is designed for ag lenders with a few years of experience, or for those lenders who would like a refresher. Credit analysts, processors, and other ag lending staff will also benefit. Those attendees with less than 2 years of experience should consider registering to attend the optional pre-school workshop on August 21, 2023.

School Requirements:
Successful completion of the school will be based on class attendance and participation on a team for a comprehensive case study including a presentation on the final day.

Registration Information:
The student fee of $895 includes program registration, instruction and materials, and lunch and refreshment breaks daily. Dinner will be provided Thursday evening with the farm visit. Registration for the optional pre-school workshop is an additional $200/attendee.

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Collateral Analysis: Evaluation, Weaknesses, & Monitoring Value

Collateral analysis can be complicated. Every lender hopes that it never comes down to dealing with the collateral — but things don’t always work out as planned. If the cash flow becomes a trickle, you may have to get down to brass tacks. Hopefully the collateral analysis that was performed stands strong. Learn how to deal with all aspects of this complex, yet important, analysis.

After This Webinar You’ll Be Able To:

  • Accurately assess and monitor the value of collateral
  • Explain what can impact the value of collateral
  • Understand the key items in an appraisal when analyzing the value as collateral
  • Comprehend the challenges in taking possession of collateral

Webinar Details

The most frightening thing a lender can say is, “I’m not worried, we’ve got plenty of collateral.” Do you know how to appropriately analyze collateral coverage? This includes looking for the right elements in an appraisal (outside the mandated appraisal review), considerations for various types of collateral, and how to best monitor those values — including marketable securities, accounts receivable, inventory and equipment, and real estate.

This presentation will take a risk-based approach to collateral analysis, adjusting the depth of the analysis to match the strength of the borrower. Collateral only comes into play if cash flow fails. Analysis must be focused on collateral as a secondary or tertiary source of repayment and not as a crutch for poor business results (or poor underwriting).

Who Should Attend?
This informative session is designed for commercial lenders, credit analysts, credit department managers, senior loan officers, senior credit officers, loan review personnel, branch managers serving commercial borrowers, chief risk officers, and auditors.

Take-Away Toolkit

  • Collateral analysis worksheet
  • Collateral monitoring guide
  • 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
Robert L. Viering — RiverPointUSA LLC

Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.

Prior to becoming a consultant, Viering was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Viering held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.

Registration Options

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
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2023 Credit Analysis Series

Credit analysts are intrinsic to a successful lending program. This series of four webinars will enhance their abilities.
Credit analysts are expected to evaluate numerous types of borrowers, loan proposals, repayment sources, and collateral scenarios. Equip your commercial underwriting staff with tried-and-true methodologies as well as the latest techniques to accurately evaluate cash flow, repayment ability, collateral, and more.
90-minute webinars – available live or on-demand
Included Webinars
  • $1004 – OnDemand Access + Digital Download
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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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Excel Explained: VLOOKUP, INDEX/MATCH, and Beyond

Excel expert David Ringstrom, CPA, explains helpful ways you can improve the integrity of your spreadsheets using Excel’s lookup functions. While many users rely on VLOOKUP to return data from other locations in a worksheet, that’s not always the most efficient approach. In this comprehensive presentation, Ringstrom reveals alternatives to VLOOKUP, including the HLOOKUP, INDEX and MATCH, XLOOKUP, SUMIF, SUMIFS, SUMPRODUCT, IFNA, FILTER functions, and more.

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.

What You’ll Learn

  • Contrasting the INDEX and MATCH combination to VLOOKUP or HLOOKUP
  • Demonstrating how XLOOKUP can look up and down columns or across rows
  • Diagnosing #N/A errors that arise when numbers are stored as text or when text contains extraneous spaces
  • Discovering how to use wildcards and multiple criteria within lookup formulas
  • Discovering the capabilities of the SUMPRODUCT function for calculating payroll and other amounts
  • Displaying alternate results with XLOOKUP by populating the If_Not_Found argument instead of using IFERROR or IFNA
  • Displaying subsets of data dynamically by way of the new FILTER worksheet function
  • Eliminating inputs that could cause VLOOKUP to return #N/A with Data Validation
  • Employing the SUMIF function to sum values related to multiple instances of criteria you specify
  • Exploring the XLOOKUP worksheet function in Excel 2021 and Microsoft 365
  • Filtering based upon two or more conditions with the FILTER function in Excel 2021 and Microsoft 365
  • Identifying situations where VLOOKUP may return #N/A instead of a value

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

Presenter 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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Regulatory Update for the Credit Analyst

Regardless of economic volatility, it is important to understand regulators’ general expectations for effective credit underwriting and management.

Presenter Bob Viering will share insights based on over 35 years of credit management experience through a wide variety of economic ups and downs and make recommendations based on real-world, practical solutions.

After This Webinar You’ll Be Able To:

  • Understand regulator expectations for credit risk and credit management — specifically for 2023
  • Effectively communicate with regulators, including how to disagree professionally
  • Proactively adjust your credit underwriting and management before trouble occurs
  • Find resources to help you proactively manage the credit process

Webinar Details
In a highly regulated industry, it is critical to understand regulatory expectations. These expectations are often influenced by economic factors, so with the current level of inflation and potential for an economic slowdown, it is more important than ever to be in sync with the regulators.

What are regulators most concerned about for 2023? What are their expectations for effective credit management? Can you meet their expectations? This webinar will answer those question and address how to effectively communicate with regulators, including how to constructively discuss criticisms or disagreements. It will also provide resources to use to stay abreast of regulatory expectations. This webinar will be focused on credit risk and credit management, not on compliance.

Who Should Attend?
This informative session is designed for commercial lenders, credit analysts, credit department managers, senior loan officers, senior credit officers, loan committee members, loan review personnel, branch managers serving commercial borrowers, chief risk officers, and auditors.

Take-Away Toolkit

  • List of resources to stay abreast of regulatory expectations
  • Checklist for preparing for your next examination
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Robert L. Viering – RiverPointUSA LLC

Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.

Prior to becoming a consultant, Viering was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Viering held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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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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Cash Flow Analysis Part 1: Debt Service Coverage, Global Cash Flow, & More

Credit analysis is the bread and butter of lending. Expert analysis is the icing on the cake. Are you a professional analyst? When was the last time you took the opportunity to hone your skills — especially in regard to assessing cash flow? Whether you’re new to lending or need a brush up, you’ll benefit from learning more about global cash flow and debt service coverage.

After This Webinar You’ll Be Able To:

  • Calculate debt service coverage using various techniques
  • Select the most appropriate cash flow analysis for each borrower
  • Identify what information is needed to perform a cash flow analysis and why specific information is necessary
  • Determine global cash flow, including family living
  • Assess factors that can impact future cash flow

Webinar Details
This presentation will cover the essentials of cash flow analysis. It will address the unique characteristics of analyzing commercial real estate (construction and permanent financing), C&I (short term, equipment, and real estate), and basic agricultural cash flow. You’ll learn about UCA and traditional EBITDA analysis and when each is most appropriate. The session will also cover the fundamentals of global cash flow, including the type of information needed to do a proper analysis of the borrowing entity as a whole, including family living expenses.

One of the most important concepts of analyzing cash flow is that today’s loans are paid with tomorrow’s cash. In addition to the basic techniques of cash flow analysis, you’ll learn about the items necessary to consider when assessing a borrower’s ability to sustain adequate cash flow over the term of the loan. The emphasis of this webinar will be on how to make the calculations and what should be considered when choosing the most appropriate type of analysis based on the borrower’s unique situation.

Who Should Attend?
This informative session is designed for commercial lenders, credit analysts, credit department managers, senior loan officers, senior credit officers, loan review personnel, branch managers serving commercial borrowers, chief risk officers, and auditors.

Take-Away Toolkit

  • Checklist of information needed to assess repayment for each type of loan
  • Decision matrix for assessing different types of loans and different situations
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Robert L. Viering – RiverPointUSA LLC

Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.

Prior to becoming a consultant, Viering was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Viering held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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Adding the Wow Factor to Credit Analysis

This webinar will demonstrate how to utilize ratio analysis to determine the financial impact on changing metrics such as a change in the Working Capital Assets Turnover and Working Capital Liabilities Turnover and changes in the Gross Profit Operating and Net Profit Margins, This analysis will also allow the lenders to structure loans appropriately by determining the amount of funding needed to replace the cash flow losses caused by negative financial trends. When this specialized analysis is mastered, the lender can add the “WOW” factor to their analysis by not only describing trends but also the cash flow financial impact of those changing trends.

Calculating Credit Ratios to determine the financial condition and creditworthiness of an economic entity is just the starting point to the true performance of a company. The result of ratio analysis can be used to take the analysis process to a higher level. A common question often asked is. “What is the cash flow financial impact of changing financial metrics over time for a company?” There is a definite financial impact on the cash flow of all companies when this occurs.

What You’ll Learn:

  • Know the key Financial Metrics that will have a Financial Impact on a Company’s Cash Flow
  • Use Financial Impact Analysis to determine the Cash Flow Financial impact of changing Accounts Receivable, Inventory, and Accounts Payable Turnover
  • Use Financial Impact Analysis to Properly Structure Short-Term and Long-Term Loans
  • Use Financial Impact Analysis to Forecast Major Items on the Balance Sheet and Income Statement
  • Use Financial Impact Analysis to Determine the amount of Funding Required to Pay Major Creditors
  • Determine the Cash Flow Financial Impact of Changing Gross Profit, Operating, and Net Profit Margins

Who Should Attend?
Commercial Lenders, Credit Analysts, Credit Department Managers, Senior Loan Officers, Senior Credit Officers, Loan Review Personnel, Branch Mangers Serving Commercial Borrowers, Chief Risk Officer, and Finance Officers.

Presenter Bio

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

  • 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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