2019 Playback Library

Overview mchinelatto@westernbankers.com

2019 Playback Library

Our webinars are separated by category type. Click each tab to see listings for those particular categories. If you have any questions about specific content, contact Montana Townsend, mtownsend@westernbankers.com

Credit & Lending

The 5 Cs of Credit

The 5 Cs of Credit teaches bankers that a borrower’s repayment ability depends on capacity, collateral, capital, conditions, and character. The first four measure ability to repay, but character assesses willingness to repay. Both know your client- and fraud prevention have become more critical in mitigating credit and operational risk. This webinar summarizes key elements of knowing the customers and identifies red flags.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Credit Analyst, Business Development Officer

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The Basics of Commercial Lending

This webinar will introduce participants to the entire process involved in commercial lending. The presentation will cover topics such as investigating a new borrower, the basics of credit analysis, managing a loan after approval, basic documents, and identifying why borrowers need money, and how to structure loans to match their needs.

Who Should Attend: Commercial Loan Officer, Commercial Credit Coordinator, Commercial Relationship Manager, Junior Loan Officer, Branch Manager

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CRE Multifamily Lending

Multifamily lending is in high demand today. This webinar will expose participants to all aspects of multifamily lending. Important issues will be covered in relation to physical property, how property values are derived, and what influences values. Additionally, a discussion will cover how multifamily loans are underwritten and how to monitor a CRE loan over its life.

Who Should Attend: Officer, Loan Officer, Junior Loan Officer, Credit Analyst, Underwriter

Legal & Regulatory Compliance

FASB Accounting Standard Updates – Key Standards Applicable to FIs in 2019 and Beyond

Staying at the forefront of the FASB’s upcoming accounting standards may feel overwhelming and challenging. There are three significant standards coming one after another that include revenue recognition, accounting for leases, followed up by credit losses on financial instruments. This webinar will focus on recognition and measurement, financial statement impact, and effective dates of these upcoming accounting standards.

Who Should Attend: Chief Financial Officer, VP of Finance and Accounting, Controller, Senior Financial Specialist, Compliance Officer, Auditor

Legal & Regulatory Compliance

The Anatomy of a Bank Acquisition Transaction

The current environment will present many community banks the opportunity to evaluate some type of merger or acquisition transaction. Some community banks have seasoned veterans that have been through this process a number of times; however, most community bank officers and directors have never been through an actual acquisition transaction. This presentation will prepare community bank officers and directors for a potential merger or acquisition by presenting a step-by-step overview of the merger and acquisition process from beginning to end. 

Who Should Attend: Chairman, Director, Bank Counsel, Chief Executive Officer, Chief Operating Officer, Chief Compliance Officer, Executive Vice President

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Pipeline Builder Series: Taking a Formulaic Approach To Relationship Management in 2019

Consider that a business development formula exists that will ensure, with a high degree of predictability, that an institutions relationship managers and lenders will meet and exceed sales goals regardless of interest rates, market conditions or competitive forces. This webinar is designed to explain the process and provide a powerful tool to help commercial bankers to become more productive in 2019.

Who Should Attend: Business Development Officer, Commercial Loan Officer, Junior Loan Officer, Branch Manager

Finance & Accounting

Key Ratio Analysis: Calculating and Interpreting the Numbers Correctly!

Many financial professionals use financial ratios on a regular basis. But do they always use the same ratios and, more importantly, do they always interpret the ratios in the same manner? Attend this proactive webinar and discover a five-step analysis plan which includes liquidity, activity, leverage, operating performance, and cash flow analysis which will clarify and unify this often confusing financial subject. The presentation will also include a case study and a review of spreading a financial statement using the Moody’s Risk Analyst software in order to analyze key ratios.

Who Should Attend: Officer, Loan Officer, Junior Loan Officer, Credit Analyst, Underwriter

Human Resources & Staff Training

2019 California Employment Law Update

Don’t miss this up-to-the-minute information on the ever-changing regulations governing California HR, with time to make preparations for the new year. Topic will include: new legislation and major changes driven by the #MeToo movement; wage and hour developments; minimum wage increases; the Dynamex Decision and impact on independent contractors; discrimination in the workplace; and new decisions by the NLRB. 

Who Should Attend: HR Director, HR Manager, HR Specialist, Branch Manager, Hiring Manager

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Commercial Loan Structuring

Borrowers borrow money to solve problems that are either good or bad. In this webinar, examine the importance of appropriate commercial loan structures and their influence on timely repayment. The discussion will include identifying cause-and-effect, matching purpose to repayment source, and ways to reduce risk.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Commercial Credit Coordinator, Business Development Officer

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Pipeline Builder Series: Red Ocean vs Blue Ocean Marketing Strategies

Referred to as “red ocean” sales opportunities, traditional COIs refer bankers to deals where typically three to six other banks are bidding for the business. These deals are often marginally profitable due to heavy competition. The best time to begin to develop a relationship with a prospective commercial customer is when they don’t need financing or aren’t looking to switch banks (referred to as blue ocean sales opportunities). In this webinar, learn how blue ocean sales strategies can help commercial bankers close business with stronger margins and fee income.

Who Should Attend: Business Development Officer, Commercial Loan Officer, Junior Loan Officer, Branch Manager

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Community Bank Strategic Planning Simplified

Community bank strategic planning is a commonly misunderstood aspect of appropriate corporate governance. Many directors think strategic planning to be boring, unproductive, or painful; however, an appropriate strategic planning process is none of these. Strategic planning should be engaging for the participants and should provide big-picture action items and accountability for the organization.  This webinar will provide a practical guide to community bank strategic planning.

Who Should Attend: Chief Executive Officer, Chief Operations Officer, Executive Vice President, Director

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Identity Theft Red Flags

Astonishingly, 16.7 million US consumers were victims of identity theft as of 2017, a rise of 8% from the previous year. In this webinar, discover how to identify red flags using an ID theft/red flags program and risk assessment. Develop insight into not only detecting red flags, but also identifying covered accounts that may be affected by ID theft. In addition, discuss appropriate responses to an ID theft event, and receive a summary of different elements to support an effective ID theft program.

Who Should Attend: Chief Risk Officer, Risk Manager, Fraud Manager, Card Fraud Specialist, Operations Administrator, Operations Manager, Branch Manager

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Macro and Micro Musings on the U.S. Economy

Recent analysis speaks to the role that loan maturity plays in the prices consumers pay for automobiles. This webinar will take a look at how these microeconomic insights, coupled with an understanding of the macroeconomic landscape, produce valuable content for lending institutions. The presenter’s firm frequently produces research that provides new insights into credit markets. These discoveries illuminate the economics of credit markets along dimensions that can influence credit decisions in meaningful ways. 

Who Should Attend: Senior Loan Officer, Consumer Loan Officer, Mortgage Loan Officer, Junior Loan Officer, Credit Analyst

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Facing the Liquidity Challenge Head On – Key Steps To Strengthen Your Liquidity Management Process With A Renewed Regulatory Focus

Loan growth is outpacing deposit growth, and loans are becoming a higher percentage of total assets. Wholesale funding levels are increasing and the potential for deposit attrition continues to grow. Undeniably, liquidity is under pressure. This webinar will address the changing liquidity landscape in the industry, and what every bank should be doing to develop a “best practice” approach in liquidity management – regardless of the levels of liquidity a bank may have today.

Who Should Attend: Chief Financial Officer, VP of Finance & Accounting, Controller, Senior Financial Specialist, Asset Liability Manager, Chief Risk Officer,  ALCO Committee Member

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Saying Goodbye to LIBOR – Preparing for the SOFR Transition

LIBOR is being replaced as a primary benchmark index and the transition away poses risks and challenges to financial institutions. In this webinar, learn why LIBOR is being replaced, the impact of the replacement, and transition implementation tips. The transition from LIBOR is already in process and financial institutions should begin preparing for the transition’s impact, risks, and challenges.

Who Should Attend: Chief Executive Officer, Chief Credit Officer, Chief Financial Officer, Chief Lending Officer, Chief Risk Officer, Chief Compliance Officer

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Lenders, Don’t Get Burned Twice: Consequences of the Full Credit Bid Rule in Light of the California Wildfires

Over the course of two years, California has been devastated by wildfires. While foreclosures may be temporarily on hold, lenders will eventually be forced to complete many foreclosures. This webinar will discuss the strategy behind bidding at those foreclosure sales and the potentially devastating consequences of the Full Credit Bid Rule. Join fellow lenders to understand how the credit bid at the foreclosure sale could negatively affect the ability to recover insurance proceeds. 

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Mortgage Loan Officer, Junior Loan Officer

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Working with Political Subdivisions: Banking and Funding

Political subdivisions can add value though banking services and as a stable source of funding throughout various economic cycles, however, it is key to understand how they work. In this session, community bank leaders will learn to identify reasonable services that political subdivisions would look to utilize based on their size and ability. In addition, attendees will develop an understanding of the political subdivision’s investment policy in order to implement an approach to influence their deposit decision. 

Who Should Attend: Chief Executive Officer, Chief Financial Officer, Vice President of Finance & Accounting, Senior Financial Specialist, Controller

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The Time Has Come For Action! Position Your Bank to Benefit From the Challenges of This Rate Environment

Short-term rates continue to rise and with that comes increased pressure on deposit product and pricing strategies, yet time and expertise are the biggest deterrents for banks to bring asset liability management (ALM) to the forefront of discussions. They know it’s important and will often times look to articles or social media to find recommendations and “quick fixes” to help; however, what’s good for the bank across the street may not fit all banks. In this session, gain insight into improved ALCO processes and take a deep dive into current and projected rate environment.

Who Should Attend: Chief Executive Officer, Chief Financial Officer, Chief Risk Officer, Chief Compliance Officer​

IT, Technology, & Operations

How Banks Can Build a Winning Cybersecurity Program

As cybersecurity continues its reign as a major focus for federal and state bank regulators, the challenge to remain compliant while managing an evolving threat landscape continues for banks. This webinar will discuss how banks can build and maintain a successful cybersecurity governance, risk, and compliance program, as well as what to consider in a managed security services provider. Identify critical steps, including establishing a senior staff position responsible for cybersecurity risk management, conducting a business and mission impact analyses, adopting a risk management framework and program, selecting a portfolio of technologies and processes to secure information and information systems, and finally, maintaining continuous diagnostics and mitigation.

Who Should Attend: Chief Information Officer, Chief Information Security Officer, Chief Compliance Officer, Chief Risk Officer, Vendor Management Officer, Technology Risk Officer​

Credit & Lending

Why EBITDA Doesn’t Spell Cash Flow & What Does

EBITDA is a non-GAAP indicator of cash flow widely used by market analysts and bankers, but it is a poor measure of cash flow repayment ability. This webinar explains why EBITDA fails to measure cash flow accurately and offers some better measures.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Credit Analyst, Business Development Officer

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Learn Why Banks Outsource

Outsourcing is defined as “the strategic use of outside resources to perform a task that is traditionally handled by the banks internal staff and resources.” In this webinar, learn what a bank can do when a file for a commercial equipment loan does not meet the guidelines of the credit department. Explore requirements for successful outsourcing and how to reduce expenses to give banks a competitive advantage over larger institutions and ultimately become a valued business partner with a third-party.

Who Should Attend: Chief Credit Officer, Credit Administrator, Commercial Loan Officer, Commercial Account Manager, Construction Loan Officer

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TRID Compliance: Tricky Spots, Common Errors, & Recent Amendments

TRID 2.0 is intended to provide clarity to the original TRID rule, but understanding its complexities can be challenging. This session will focus on key provisions and changes in TRID 2.0, as it is affectionately called, including many clarifications around disclosure of construction loans. Examine some of the lingering tricky spots where technical violations are still seen in audits and exams.

Who Should Attend: Chief Compliance Officer, Compliance Manager, Chief Risk Officer, Commercial Loan Officer, Auditor

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AI: Will Machines Do All of Our Jobs?

Far from being a “machines rule the world” scenario, artificial intelligence (AI) will enable the automation of an ever-increasing number of low-value processes, freeing staff to devote time and effort to more critical tasks. Since no institution goes from zero to 60 when it comes to AI, this session will help bank leaders get familiar with its applications, benefits, and drawbacks. Modern consumers are already conditioned to expect the features stemming from AI; decision-makers who want to stay competitive must now understand how to meet and manage those expectations.

Who should attend: Chief Executive Officer, Chief Operating Officer, Chief Technology Officer, Chief Digital Strategy Officer, VP Retail Banking, Operations Administrator, Mobile Product Manager

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Subjective CECL: Adjustments and Forecasts Under the CECL Model

As institutions approach the transition from the incurred loss model to the current expected credit loss model for estimating the ALLL, there are many questions surrounding the subjective aspects of the new standard. This webinar will look at the relationship between qualitative adjustments and “reasonable and supportable” forecasts under CECL estimates and key considerations for how institutions will apply them.

Who Should Attend: Chief Financial Officer, Chief Credit Officer, Senior Loan Officer, Controller

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Funding Costs are on the Rise: Don’t React, Take Charge Now

A perfect storm is brewing. Rates are on the rise for the first time in 12 years, liquidity pressures are mounting, the yield curve has flattened, and regulators are taking notice; so should bankers. In this webinar, learn how to leverage customer-level data intelligence to develop balance sheet strategy ideas. The concepts discussed will help manage rising funding costs by lowering deposit cannibalization, understanding the marginal cost of funds for deposit promotions, developing early warning systems for “at risk” customers, and pinpointing pricing actions to retain key accounts. Through real-life case studies, see how to harness the power of customer information to understand the impact cannibalization can have on new product promotions.

Who should attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Balance Sheet Strategy Analyst, Asset Liability Management Analyst

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What Exactly is a “Reasonable and Supportable” Forecast?

The forecasting requirement in CECL has been one of the most controversial and misunderstood aspects of the new CECL accounting standards update; nevertheless, it is one of the key changes that all banks, regardless of size, will need to incorporate in their allowance calculations. In this webinar, there will be discussion surrounding the two key aspects of economic forecasting: how to generate forecasts and how these forecasts translate into adjustments to the base loss rate.

Who Should Attend: Chief Financial Officer, Chief Credit Officer, Senior Loan Officer, Controller

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Secondary Repayment Sources – Collateral and Guarantees

While cash flow will almost always be the primary source of repayment, carefully analyzing the collateral of a borrower and the assets they pledge as an alternate repayment source for the loan is equally important. This webinar will cover the credit decision process, potential collateral assets, and key underwriting principles.

Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Credit Analyst

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Reclaiming Your SMB Lending Market

When faced with the prospect of a $1 million CRE loan or a $40,000 small business loan, most community banks have had to focus resources on the larger CRE deal. As a result, small business borrowers (SMBs) have had to seek out alternative means. With the right processes and technology in place, however, community banks can reclaim their relationship with small business borrowers. In this webinar, understand how, with appropriate resources, small business lending can become a profitable segment and opportunity for growth.

Who Should Attend: Chief Credit Officer, Small Business Development Officer, Commercial Loan Officer, Business Development Officer

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Pipeline Builder Series: Creating Quality Warm Introductions

Referrals from traditional COIs is the primary way most bankers get new business; yet, these sources of referrals represent less than five percent of a banker’s total network. This webinar will provide a number of different strategies for generating quality warm introductions.

Who Should Attend: Relationship Manager, Business Development Officer, Loan Officer, Branch Manager

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Cyber Crime and Threat Mitigation

Cybersecurity criminals have generated billions of dollars of profit by constantly developing new attacks against organizations with banks having seen a tremendous surge in these types of crimes. These attack vectors include strategies such as mobile malware, fake mobile banking applications, web skimming, crypto-jacking, software subversion, and many others. In this webinar, examine these attacks and analyze them one by one to ensure a full understanding of not only the threat these attacks pose, but how to effectively select and implement the best prevention and mitigation strategy possible for each of these vectors.

Who Should Attend: Chief Information Officer, Chief Information Security Officer, Chief Risk Officer, Operational Risk Officer

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Crowdsourcing Bank Technology: Evaluating CSI’s Banking Priorities 2019 Industry Report

A recent industry survey uncovered what more than 200 community banking executives are focusing on when it comes to revenue growth, branch strategy, and omnichannel initiatives. In this webinar, dig into the survey trends to discover which technologies and strategies bankers are planning to implement in the year ahead. This is a unique opportunity to understand peers’ plans for 2019, benchmark strategies against industry trends, and discover new ideas for taking banks into the future.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Technology Officer, Chief Risk Officer, Chief Digital Strategy Officer

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An Introduction to Fair Lending Marginal Effects for Financial Institutions

Some regulators have begun to incorporate a new risk measuring tool in their examinations called “marginal effects,” but it has been found that many fair lending and compliance officers are not only unaware that regulators use marginal effects, but are also unfamiliar with the methodology in general. In this webinar, learn how marginal effects differ from previous and more common risk measures, namely odds ratios and what some of the advantages are to using marginal effects instead of odds ratios.

Who Should Attend: Chief Compliance Officer, Fair Lending Officer, Compliance Analyst, Auditor

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Construction Lending Fundamentals

In order to avoid missing opportunities, commercial lenders should understand and be prepared to discuss construction loans. This webinar will cover what every commercial lender should know about construction lending. Discussion will include the differences in project analysis when it comes to land use, construction budgets, disbursements, and controls.

Who should attend: Commercial Loan Officer, Credit Coordinator, Junior Loan Officer, Business Development Officer, Consumer Loan Officer

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2019 Updates to California’s Homeowner Bill of Rights Statutes: Are You in Compliance?

California’s Homeowner Bill of Rights statutes, with original versions enacted in 2013, were modified effective 2018 and 2019 and set forth pre-foreclosure and foreclosure servicing requirements for loan servicers. In this webinar, learn how these statutory provisions have changed and how the changes impact an organization as servicer and/or owner of residential mortgage loans. These California statutes include private rights of action for violations and are in many cases more borrower-friendly than applicable federal loan servicing statutes; therefore, they must be addressed in conjunction with the CFPB Rules to ensure compliance at the state and federal level.

Who Should Attend: Chief Credit Officer, Mortgage Loan Officer, Chief Compliance Officer, Auditor

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Ten Strategies for Maintaining Independence in a Consolidating Environment

This fast-paced session will present the tools every bank needs to plan and prepare for independence in the future, including 10 fundamental strategies for remaining an independent community bank in a consolidating environment. In this webinar, learn about the necessity of being proactive, setting forth a strategy of independence, focusing on core profitability, ensuring optimal organizational structure, appropriately dealing with management and board succession, and other important issues.

Who Should Attend: President, Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Director

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Auditing the Cybersecurity Function

With the increased risk of cyber-attacks, regulators have enhanced their guidance on cybersecurity; yet, the guidance still lacks clarity on the specific controls that must be implemented and what compensating controls are considered appropriate. In this webinar, understand what cybersecurity controls banks are expected to have based on recent regulatory exam findings and internal audits as well as enhancements required to properly mitigate both cybersecurity and regulatory risk. In addition, attendees will explore various testing methodologies designed to ensure cybersecurity controls are effective in combatting the risk of cyber-attacks. 

Who Should Attend: Chief Information Officer, Chief Technology Officer, Chief Information Security Officer, Chief Compliance Officer, Chief Risk Officer, Auditor

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Practical Guide to Application Analytics

Bringing in quality loan applications isn’t always easy, but analyzing them for traits to help increase approvals can be. This webinar takes a look under the hood of loan origination systems, reviewing several practical ways to put loan application data to use to make better underwriting decisions. Tune in to review time-to-decision analysis, trending analysis, key ratio analysis, disposition reporting, and “what if” scenarios.

Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Loan Review Officer, Credit Analyst

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Enterprise Risk Management Doesn’t Have to be Complicated . . . or Expensive!

Almost every time a trade publication is read, there’s always reference to the increased burden and cost of regulatory compliance. How does a community bank effectively deal with this volume of laws and the cost associated with compliance? The answer is clear: there’s no choice but to employ techniques to standardize and simplify compliance processes to minimize the impact on staff. In this webinar, compliance experts will outline a breakthrough new process to accomplish certain goals and more while saving banks time and money.

Who Should Attend: Chief Compliance Officer, Compliance Manager, Chief Risk Officer, Risk Manager

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Basic Personal & Business Tax Return Analysis

Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. This webinar will concentrate on personal tax return analysis with a focus on the analysis of various business tax returns. Attend this proactive webinar and gain an understanding of the often complex and confusing topic of taxes!

Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Credit Analyst, Loan Review Officer, Junior Loan Officer, Credit Manager

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Unconventional Wisdom to Grow Core Deposits

Retail banking is still a great business if there isn’t an allowance of flawed analysis to lead to bad decisions. When banks begin executing an omni-channel approach to marketing – big data, digital solutions, geographic relevancy – and align people, products, policies and procedures – positive results follow. In this fast-paced session, learn how to double overall new customer acquisition and why that can result in a significant improvement in ROA and ROE over time.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Director of Marketing, Marketing Strategist

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Universal Banker: SWARM Banking & Branch Transformation

A holistic service approach that focuses on the customer experience can drive efficiency through the entire organization. Extraco’s SWARM Banking™ is more than a cross training, rotation, and technology method used to create a successful universal banker in this new bank era. In this webinar, discover a proven methodology with measurable results.

Who Should Attend: Operations Administrator, Operations Manager, Training & Development Manager, Training Coordinator, Universal Banker

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Managing Compliance Risk: UDAP/UDAAP, Part I – The Basics

This webinar focuses on requirements associated with the Unfair and Deceptive Acts and Practices (UDAP), including an introduction to key concepts and components of a UDAP/UDAAP risk management program. Part-one of a two-part series, this session is the perfect refresher for experienced compliance professionals or as an introduction to employees not as familiar with these requirements.

Who Should Attend: Chief Compliance Officer, Compliance Officer, Chief Risk Officer, Risk Officer

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How to Analyze Profitability Like a Pro

Want to become a more profitable institution? This webinar explores new techniques to analyze profitability, including the effect of probability of default and prepay in estimating cash flows. Cash flows are an integral part of CECL for many institutions, and this presentation will illustrate a valuable way to leverage CECL efforts beyond reserve calculations.

Who Should Attend: Chief Credit Officer, Chief Financial Officer, Senior Loan Officer, Loan Officer, VP Accounting, Controller

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Navigating Wholesale Funding Options

Three years into a tightening monetary policy, and the question now is: will the Fed continue to raise rates in 2019 or pause based on recent domestic and global uncertainty, and what effect will that having on funding opportunities? In this webinar, bankers will learn how to understand the complexities of wholesale funding in order to achieve their desired goals. With economic optimism and an active Fed policy creating increased pressure on liquidity, it will be important for banks to look to alternative sources of funding and how they behave throughout different economic cycles.

Who Should Attend: Chief Executive Officer, Chief Operations Officer, Chief Financial Officer, VP of Finance, Controller

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Seven Lessons Learned in Contract Negotiation

Join this webinar for a description and a discussion about the seven most common areas where contract negotiation lessons have been learned, again and again. With the use of real-life examples, banking executives will not only learn from other’s mistakes, but may also find gains where many have lost.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Bank Counsel, Compliance Officer, Vendor Management Officer

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Directors’ Role in Credit Risk Management

Understanding the definition of credit risk and the directors’ role in risk management is fundamental to any bank, regardless of asset size. In this webinar, the discussion will cover those elements and also include the importance of a strong credit culture in managing credit risk, and how it can be effectively implemented and maintained by the board of directors.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Director

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Executive Total Compensation – Strategies to Motivate and Incent the Right Behaviors

Learn the primary elements of the executive total compensation package and how these elements can be utilized to motivate and incentivize members of the senior leadership team to effectively achieve the bank’s strategic goals. In this webinar, examine the current compensation environment and trends in the use of short- and long-term incentive plans, as well as executive benefits and perquisites that are commonly found in community and regional banks. Understand how to incorporate applicable regulatory guidelines and explore important updates.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Human Resources Director, Director

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Pipeline Builder Series: Building a Disciplined Touch Program

Most commercial lenders and relationship managers don’t have a systematic method for following up with customers and prospects. Because of that, many sales quality opportunities are missed. This webinar will help bankers avoid missing sales opportunities due to inadequate and ineffective follow-up.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Business Development Officer, Relationship Manager, Junior Loan Officer

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Relationship Profitability: Unlocking the Value from the Institution’s Relationships

Relationship management, relationship profitability, and relationship pricing are all key factors impacting the top and bottom line of an institution. In this webinar, finance experts will discuss practical strategies to better manage and analyze customer relationships, how to measure customer contributions to overall profitability, and strategies to enabling relationship managers to make informed decisions when pricing new business.

Who Should Attend: Relationship Manager, Portfolio Manager, Business Development Officer, Junior Loan Officer

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How to Ace Your Next Regulatory Exam

Ever wanted to know exactly what the examiner is going to ask for? This webinar focuses on the “secrets to success” in preparing for and excelling in the next exam as it relates to loan portfolio management. With a strong focus on how to mature operations to a state of readiness through data processes, KPIs, and operational effectiveness, attendees will leave this session with some key points to lead an organization to a more rewarding and much less painful exam process.

Who Should Attend: Chief Credit Officer, Chief Compliance Officer, Credit Analyst, Commercial Loan Officer, Consumer Loan Officer, Auditor

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Universal Banker: Recruiting, Hiring, & Training

Learn how to increase the quality of the hiring model through technology, using a certified panel, and unorthodox questioning. Improve customer and employee retention by creating an enhanced, consistent customer and employee experience by developing a training program that reduces on the job training. In this webinar, learn how to reduce turnover with ongoing development and engagement strategies beyond the initial training process.

Who Should Attend: Operations Administrator, Operations Manager, Training & Development Manager, Training Coordinator, Human Resources Director, Talent Engagement Specialist

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U.S. Supreme Court Rules that the Non-Judicial Foreclosure Process Does Not Constitute “Debt Collection” Under the FDCPA

Historically, the non-judicial foreclosure process was considered beyond the coverage of the Fair Debt Collection Practices Act (FDCPA).  In the last few years, however, decisions from the federal appellate courts questioned this assumption, with some courts concluding that the FDCPA does indeed apply to non-judicial foreclosures.  The United States Supreme Court recently stepped in to resolve the conflicting interpretations of the FDCPA and issued its opinion in the Obduskey case, ruling that the non-judicial foreclosure process does not constitute “debt collection” under the FDCPA. This webinar will examine the Obduskey decision and its far reaching impact on lenders, loan servicers and foreclosure trustees.

Who Should Attend: Chief Credit Officer, Chief Compliance Officer, Consumer Loan Officer, Junior Loan Officer, Credit Administrator

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ALM Primer for Your Board of Directors: What Boards Need to Know About Balance Sheet Management

Directors of financial institutions often struggle with understanding the dynamics of their balance sheet risk position, especially interest rate and liquidity risk. This webinar will introduce bank directors to the risk/return trade-offs involved in managing a bank’s balance sheet. Topics covered include basic “banking” risk/return trade-offs, current regulatory trends, liquidity management and contingency planning, and much more. Learn how to present the information to the board in a format that is easy to understand, as the quantity and content of the information can at times be overwhelming.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, ALCO Committee Member, Director

Marketing & Sales

Universal Banker: Products & Marketing

Extraco Consulting offers insights on how to turn products into sales engines for ancillary products and alternative business lines. In this webinar, attendees will learn how to ensure product support is easy, enhance the customer experience, and integrate marketing and compliance in order to realize social media success.

Who Should Attend: Marketing Director, Marketing Strategist, Marketing Analyst, Product Developer, Sales Officer

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Understanding Lender’s Right to Recover Attorney Fees Under California Law

After successfully defending litigation brought by the borrower, lenders have traditionally been able to move for a judgment of attorneys’ fees against the borrower. Two recent decisions by the California Court of Appeals severely restrict this practice, limiting the lender’s ability to recover attorney’s fees against the borrower. This webinar will explore those decisions and alternatives that are available to the lender to still recover their cost of defense. Tune in to understand in what circumstances a lender can add attorneys’ fees to the loan or move for a separate judgment against the borrower.

Who Should Attend: Chief Credit Officer, Compliance Officer, Bank Counsel, Commercial Loan Officer, Consumer Loan Officer

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Transforming Everyday Experiences through Personalized Artificial Intelligence

Imagine having a personal concierge, someone who is available 24/7 — an intelligent assistant who truly serves, protects, and offers advice. AI, machine learning, and data science are being used to identify consumers, connect them with 100% personalized transactions, and dramatically accelerate the interaction. This webinar will start by looking at what is going on outside the banking industry — restaurants, transportation, medicine, defense, education — but will then look at innovative endeavors in the world of financial services.

Who Should Attend: Marketing Director, Marketing Strategist, Digital Marketing Coordinator, Digital Strategy Officer, Technology Officer,

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Managing Compliance Risk: UDAP/UDAAP, Part II – Establishing and Enhancing Your UDAAP Programs

Attendees will learn about the day-to-day management of an effective UDAAP monitoring program. Focus is placed on practical techniques and tools for managing compliance risk associated with UDAAP. This webinar is the second of a two-part series and would be good for experienced compliance professionals or as an introduction to employees not as familiar with UDAAP risk management concepts.

Who Should Attend: Chief Compliance Officer, Compliance Officer, Chief Risk Officer, Risk Officer

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Being Strategic with Base Salary Compensation

Take a closer look at performance-based compensation approaches that community and regional banks should consider to attract and motivate staff level employees and officers. In this webinar, discuss keys to having an effective salary administration program, performance management, and staff level and producer cash incentive plans. Understand how to incorporate applicable industry best practices and political trends surrounding base compensation and incentive-based pay, including the impact of tax reform.

Who Should Attend: Director of Human Resources, HR Manager, HR Analyst, Talent Engagement Specialist

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Credit Risk Management – Tools and Techniques

As the business cycle peaks with growing concern from the market and the regulatory agencies, credit risk management becomes all the more critical to the success of the organization in a period of heavy competition and loosening underwriting standards. This webinar will explain the interdependence of successful credit risk management and credit culture and how to keep the two calibrated and connected.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Loan Review Officer, Credit Analyst, Junior Loan Officer

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Pipeline Builder Series: Using LinkedIn to Grow the Pipeline

LinkedIn is an incredibly powerful business development tool; however, most commercial bankers leverage the capability of this social platform. The reason for this is they have no real plan or strategy. This webinar will show bankers how to stand out, get noticed, and attract new business opportunities by leveraging this powerful tool.

Who Should Attend: Commercial Loan Officer, Loan Officer, Business Development Officer, Relationship Manager, Branch Manager

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Cybersecurity Best Practices for Risk Management and Compliance

Financial institutions must demonstrate they have a viable strategy for managing governance, risk, and compliance (GRC) which is no easy task, especially in today’s regulatory environment. Additionally, financial institutions also must align GRC mandates with cybersecurity strategies in order to truly be effective. In this webinar, learn best practices on how to align GRC frameworks with cybersecurity strategies, gain an integrated view of compliance and risk across generally siloed business units, and understand the risk imposed by employees when it comes to both compliance and cybersecurity.

Who Should Attend: Chief Information Officer, Chief Technology Officer, Chief Information Security Officer, Technology Risk Officer, Risk Officer, Compliance Officer

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Universal Banker: Processes

Explore the streamline processes that allows the most efficient yet customer-centric lobby experience. See how Extraco improved efficiency throughout an organization and built a stronger culture of teamwork and how banks can do the same.

Who Should Attend: Operations Administrator, Operations Manager, Branch Manager, Training & Development Manager, Training Coordinator, Universal Banker

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Beyond 2020: People, Process, Technology

Consumers need financial institutions to support the successful completion of their financial journeys. With consumers facing a myriad of choice with respect to bank selection, how does a financial institution insert itself into the center of each relationship? How does it become part of everyday transactions? This webinar will highlight the key challenges financial institutions face, provide anecdotal case studies from around the world, and provide the right questions to ask to define the roadmap for success.

Who Should Attend: Technology Officer, Digital Strategy Officer, Product Developer, E-Channel Manager, Mobile Product Manager, Marketing Officer

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How to Get Better ROI From Your FS-ISAC Threat Feeds

FS-ISAC provides valuable threat intelligence feeds, but often these feeds are difficult to use efficiently, easily, and in a proactive manner to block threats—especially for banks with limited security staff and time. In this webinar, learn about how threat intelligence gateways consume, automate, and operationalize FS-ISAC threat feeds in a low-touch/no-touch manner. By automating FS-ISAC threat feeds, banks get a better return on their FS-ISAC membership, while improving network security, aligning to NIST standards, improving security operations, and reducing the workload on security staff and existing security tools.

Who Should Attend: Chief Risk Officer, Technology Risk Officer, Chief Information Officer, Chief Technology Officer, Chief Information Security Officer, Compliance Officer

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Community Bank Capital Raising Simplified

It is important that the board understands all of the available capital raising alternatives in order to add additional capital to the bank. This webinar will cover from both a business and legal perspective each of the various capital raising alternatives that are available to community banks, including bank stock loans and subordinated debt, the sale of common stock, the sale of preferred stock and the sale of other “equity-like” instruments. This presentation should not be missed by any community bank that is considering raising additional capital.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Bank Counsel

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Driving Results with Your Bank’s Data

As the race for core customers, core deposits, and expanded customer relationships intensifies, it is imperative to have financial institutions positioned for growth. In the age of analytics and informed decision-making, banks have a largely untapped source of internal data. Given this wealth of information, why aren’t more organizations utilizing it to improve results? During this session, explore specific and actionable strategies to use internal data to: grow core customers, increase core deposits, and deepen customer relationships.

Who Should Attend: Chief Operating Officer, Chief Information Officer, Senior Retail Banking Officer, Relationship Manager

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Profit Is Not a Dirty Word—How to Assess a Borrower’s Operating Performance from Its Profit and Loss Statement

This webinar is designed to show bankers, lenders, and credit professionals how to evaluate a borrower’s operating performance—revenue generation, productivity, efficiency, and profitability–as they analyze the information disclosed in the income statement. Learn how to identify the critical elements of the profit and loss statement and their roles in driving a business borrower’s operating performance. Attendees will also gain a better understanding of the importance of how to judge a borrower’s operating performance trends and results against industry averages.

Who Should Attend: Commercial Loan Officer, Credit Analyst, Business Development Officer

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Problem Asset Management

Credit markets are softening leading to increased problem loans and increased need to manage those loans. In this webinar, participants will be lead through an easily implementable process to manage problem loans, complete with step-by-step instructions, after first understanding what causes problem loans, and what warning signs are visible prior to being a problem. Lending activity is focused on originating loans; however, some of those loans go bad. The process discussed permits those “bad” loans to be returned to “good.”

Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Credit Analyst, Loan Review Officer, Junior Loan Officer

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Universal Banker: Technology & Physical Spaces

In today’s banking industry, brick and mortar banks are struggling. Banks must ensure they are offering what their customers are asking for while creating efficiency. In this webinar, learn how Extraco Banks enabled a successful Universal Banker model through strategic technology usage and less space.

Who Should Attend: Operations Administrator, Operations Manager, Training & Development Manager, Training Coordinator, Universal Banker

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Vendor Management Fundamentals for Bankers

Bankers are using vendors at an increasing rate, while examiners’ vendor management expectations are rising even faster. In this webinar, participants will learn the evolution of examiner expectations, hear some examples of other banks’ pitfalls, and take away some practical tips for managing service providers who affect execution of consumer compliance requirements. The content and Q&A will provide bankers with practical tools that can reduce third party, consumer compliance risks.

Who Should Attend: Compliance Officer, Risk Officer, Vendor Management Officer, Operations Director, Chief Operations Officer, Senior Vice President, Vice President

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Board of Director Compensation and Committee Best Practices

Evaluate trends in board of director compensation and discover best practices for a bank’s compensation committee to consider. In this webinar, explore a general breakdown of the various components included in the total director compensation package including retainers, per meeting fees, committee fees, and chair fees. In addition, learn about compensation committee best practices including developing a committee charter, creating a calendar, composition of the committee, expertise needed for committee participation, and determining meeting agendas.

Who Should Attend: Chief Executive Officer, HR Director, Compensation Committee Members

Post mchinelatto@westernbankers.com

UCA Cash Flow

This 90-minute webinar will explore different cash flow methods and will help participants understand how a company repays its loans from cash flow. The differences between EBITDA and UCA cash flows will be discussed, including a historical view of why cash flow has become so important for lenders; tools will be provided to effectively evaluate a borrower’s financial strength and ability to repay its loans, and the impact to a borrower’s ability to repay from industry, business, and management risk issues will be assessed. As loans are intended to be repaid from cash flow, it is important to understand the various ways cash flow can be calculated, and this webinar provides the roadmap for a reasoned approach in which to conduct this analysis. 

Who Should Attend: Commercial Loan Officer, Consumer Loan Officer, Credit Coordinator, Credit Analyst, Junior Loan Officer

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Break Down the Silos: Turn ALCO Into a Profit Center Through a Collaborative Focus

As short rates have continued to rise, it has not been uncommon to find critical ALCO discussions taking place in silos – smaller groups isolating themselves from the team making decisions without all of the information. Additionally, many institutions are utilizing external resources to provide guidance in particular areas of need (i.e. deposit product strategy, investment advisory, loan pricing, etc.), yet that advice is of singular focus, hence the “silo” approach. During this webinar, gain valuable insights through discussion and case studies of how detrimental these silos can be to the bottom line and the success many institutions are having by promoting a collaborative culture at ALCO.

Who Should Attend: Chief Executive Officer, Chief Financial Officer, Board Member, ALM Analyst, Balance Sheet Strategy Analyst, ALCO Committee Member

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Website Accessibility Issues Under the ADA

In recent years, the loan origination and servicing industry have been hit with a wave of lawsuits and demand letters from law firms representing blind individuals claiming they were denied the use of various originator and servicer websites because those websites failed to comply with ADA standards for accessibility to individuals with disabilities.

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Ratios & Covenants – What, Why, & When?

Discover how credit risk varies and how to create covenants and ratios that will protect the bank by helping to ensure the borrower will repay on time, in full, and as agreed. During this webinar, attendees will review the “triple trinity” of purpose, repayment ability, and structure. Discussions will include a summary of the key elements of knowing the customer and red flags bankers must look for.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Loan Officer, Chief Credit Coordinator, Business Development Officer, Junior Loan Officer

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Lending to Small Business

Lending to small businesses is different than extending credit to larger firms. The smaller business borrower often has less information to share and a shorter track record to offer. This webinar is aimed at showing bankers how to make safe loans to these challenging borrowers. Attendees will learn how to gather and evaluate the right information on the borrower as well as estimate repayment ability through several methods.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, SBA Credit Analyst, Junior Loan Officer

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Advanced Cash Flow Analysis

Explore multiple models of cash flow analyses to advance a deeper understanding of the topic. The webinar will begin with the business “traditional” EBITDA cash flow and personal cash flow of the business owner (using the 1040 tax return, including tax schedules and K-1s, and the personal financial statement). Additionally, the Global Cash Flow or combined business and personal cash flow model will be reviewed.

Who Should Attend: Chief Financial Officer, Controller, Finance Officer, Finance Specialist, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer

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Liquidity Strategies for Illiquid Stocks

Many community bank common stocks do not have true market liquidity, which is the ability of the shareholder to convert their shares to cash at a fair price in a timely manner. This webinar will present several different specific liquidity strategies for illiquid stocks. Engage in a practical, informative, and in-depth discussion on use of the bank holding company, ESOPs and KSOPs and other liquidity strategies that community banks can employ to ensure their shareholders enjoy true liquidity in the investment, in the event it is needed.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Director

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10 Ways Your Team Can Improve Risk Monitoring

Risk monitoring touches every department and business process of a financial institution. Identifying, assessing, mitigating, and monitoring risk requires an inclusive strategy that ensures everyone’s involvement. This webinar is tailor-made for bankers interested in deepening their knowledge of the scope of risk and improving risk monitoring.

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How Did That Go Through? Loan Origination Fraud and Wire Transfer Fraud on the Rise

The last few years have seen a dramatic increase in both loan origination fraud and wire transfer fraud. In this webinar, explore how these schemes are perpetrated, the red flags to look for, and how to implement fraud prevention procedures.

Who Should Attend: Chief Risk Officer, Fraud Manager, Operational Risk Officer, EFT Specialist, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer

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How to Block Network Threats at Massive Scale

Banks are at the forefront of cyberattacks. Keeping information safe is critical to maintaining customer confidentiality, ensuring regulatory compliance, and protecting the brand. During this webinar, learn how threat intelligence gateways provide a simple and powerful threat intelligence solution for banks, discuss the features and functionality recommendations for this emerging technology, and explore how the Bandura Cyber Threat Intelligence Gateway (TIG) delivers a holistic threat intelligence solution by identifying and blocking 100+ million threat indicators, at line speed.

Who Should Attend: Chief Information Officer, Chief Technology Officer, Chief Information Security Officer, Technology Officer, Chief Risk Officer, Risk Manager, Vendor Management Officer

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Three Midyear Trends Financial Institutions Can Take to the Bank

The world outside the windows of most banking executives continues to be a challenging place. Just 12 years ago, there was no such thing as the smartphone as it’s known today; now only four percent of Americans have only a smartphone with almost half having at least four devices. While there are many things afoot to keep track of, this webinar will focus on areas where action in response to trends will drop value to a financial institution’s bottom line. Case studies and pragmatic, profitable steps to achieve positive impacts will be provided, along with the opportunity to ask questions of the presenter.

Who Should Attend: Chief Digital Strategy Officer, Chief Technology Officer, Technology Product Manager, E-Channel Manager, Risk Officer

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Health Check of Your Fair Lending Program: Connecting Risk Assessment and Performance Analysis

History has taught that the regulatory landscape is ever-evolving, and strong compliance programs are able to adjust to changes when necessary; yet the path to ensuring fair lending compliance has not always been an easy one, especially given the implementation of expanded HMDA data and mixed messages on heightened fair lending risks. In this webinar, discover how risk assessment drives the priority of performance analysis and, in turn, how performance analysis should factor in determining control effectiveness and overall residual risk. Effectively connecting these two components will enable the institution to successfully navigate the challenging environment of fair lending compliance.

Who Should Attend: Chief Compliance Officer, Chief Risk Officer, Fair Lending Officer

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When is Default Interest Allowed Under California Law?

While charging additional interest upon a borrower’s default is common in California, courts eye the default interest rate provision suspiciously. In this webinar, examine the concept behind default interest rate provisions and the impact of recent case law on its enforceability. If an institution currently charges default interest or is considering doing so in the future, this session is a must.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Compliance Officer

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Deep Dive – A Detailed Evaluation of Your Critical Vendors

Relying on critical vendors means having a monitoring system and governance around these relationships. Ensuring that enough is being done to safeguard the workflow and management around the services critical vendors perform for financial institutions can be challenging. In this webinar, learn how to approach the review of a critical vendor including identifying key criteria, monitoring considerations, and evaluating the risks involved in working with critical vendors.

Who Should Attend: Compliance Officer, Risk Officer, Vendor Management Officer, Operations Director, Chief Operations Officer, Senior Vice President, Vice President

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Surfing the Business Cycle: Lending through Its Ups and Downs

As bankers and borrowers work through the business cycle, lenders with a little cycle savvy can help their clients meet their credit needs through the phases of the cycle. This webinar explains how those needs change from one phase to the next and how lenders can give clients what they need, and lenders will learn how to anticipate their clients’ credit needs to help them survive the stresses of expansion and contraction. Industries and borrowers most vulnerable to downturns and those less susceptible to recession will be identified.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Loan Review Officer, Credit Analyst, Junior Loan Officer

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Innovative Savings Solutions to Reach New Consumers While Building Their Financial Security

Innovative savings solutions like prize-linked savings (PLS) are transforming the experience of savings and helping millions of people across the country develop a financial buffer for emergency expenses. In this webinar, hear from Commonwealth, a mission-driven organization leading the efforts to bring financial security and opportunity to all Americans, about the history of PLS, the current legislative landscape in the 13 states that WBA serves, and how PLS products benefit financial institutions and consumers. Now is the time for financial institutions to compete with fintechs and retail giants like Walmart and introduce new approaches to saving to help their consumers build financial security. 

Who Should Attend: Director of Marketing, Marketing Strategist, Compliance Officer, Product Developer

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Utilizing Cash Flow Projections to Determine Repayment Ability

Cash flow projections force borrowers to think about their futures, and it is reasonable to expect a borrower to prove that they can repay a proposed loan based on their projected cash flow. A cash flow projection also requires the balance sheet and income statement to be projected, and the links among balance sheet, income statement, and cash flow are critical assumptions to be tested and validated.

Who Should Attend: Loan Officers, Relationship Managers, Business Bankers, Commercial Lenders

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2019 Mid-Year Review of Community Bank Performance

More than halfway through 2019, it is time to review the current state of affairs in the community bank industry. This webinar will provide an overview of emerging trends in the financial industry ranging from interest rates, deposits and loans, and economic factors. The goal of this webinar is to provide a clear understanding of what is taking place in the community bank environment and what to expect for the remainder of 2019.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer, Compliance Officer, Business Banking Officer, Chief Financial Officer, Balance Sheet Management

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Information Security & Risk Assessments

Risk management is a key component of just about every action and decision a bank makes, and those risks can be difficult to determine in a measured and consistent way. Information security can be a particularly challenging area to gauge risk, but there are methodologies for risk mitigation, including technical, personnel, and procedural strategies. In this session, learn the fundamentals of information security and risk management, including sample frameworks and risk mitigation methodologies.  

Who Should Attend: Chief Information Officer, Chief Technology Officer, Chief Information Security Officer, Technology Risk Officer, Risk Officer, Compliance Officer

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Current Regulatory Hot Spots

Regulators have shifting areas of emphasis and evolving expectations as to how banks address risk management challenges and implement best practices. In this webinar, participants will identify areas of examination criticism based on a review of Safety & Soundness and Compliance Examination reports, and augment that with how to address current regulatory “hot spots.” There are many guidance statements out there, but it is crucial to understand how they are interpreted, applied, and prioritized.

Who Should Attend: Chief Information Officer, Chief Technology Officer, Chief Information Security Officer, Technology Risk Officer, Risk Officer, Compliance Officer

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Culture and Conduct Risk: How a Strong Culture of Compliance Can Mitigate Risk

Organizational culture has a direct impact on the conduct of its employees which in turn impacts the success of the institution’s risk management activities. In this webinar, bankers will learn how to implement a strong culture from the top down and how not doing so can directly affect reputational risk, conduct risk, and employee retention. Culture and conduct risk are becoming an industry focus point. It is important to place focus on these areas, as regulators will assess the health of your organization’s culture as well as the level of conduct risk present in your institution.

Who Should Attend: Chief Compliance Officer, Compliance Officer, Chief Risk Officer, RQA Analyst

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Write Right to Better Business Communication

Good leaders walk the talk, but they also “write right”. They know how to say in a few words what needs to be said in crisp, clear language. The road to bad communication is paved with good intentions and poor construction. Readers know when subjects and verbs don’t agree, when punctuation misses the point, when words don’t fit and content is confusing. In this session, learn how a few basic rules on grammar, punctuation, and usage can improve business written communications with clearer, more succinct content.

Who Should Attend: Chief Marketing Officer, Marketing Director, Content Strategist, VP of Operations

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Big Ideas for Bank Marketing – Strategies to Shake Up the Status Quo in 2020

Customer expectations are at an all-time high and only the creative, agile marketer will be able to help their institution stay competitive in the year ahead. In this webinar, participants will explore emerging consumer behaviors and the marketing trends that should guide strategic choices in 2020. Increasingly, marketing success will depend on a marketer’s understanding and use of the innovative new tools, platforms, and technologies that are disrupting the bank marketing landscape.

Who Should Attend: Marketing Director, Marketing Strategist, Digital Marketing Coordinator, Marketing Content Writer

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Reward & Recognition: Not All Programs are Created Equal

As the workforce changes and employee loyalty declines, the methods for keeping our employees engaged and feeling valued must be a priority. In this webinar, examine the various motivations of the workforce and how to create effective reward and recognition programs to keep employees engaged. Engaged employees are happy employees which leads to a more stable workforce and contributes to employee loyalty to an organization.

Who Should Attend: VP of HR, HR Manager, HR Business Partner, HR Analyst, Director of HR

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How to Develop a Strong Credit Culture

Credit culture plays a vital role in successful credit risk management. In this webinar, the critical elements of credit culture will be identified, including key credit discipline tools and the four types of credit cultures. Attendees will learn to evaluate these essentials in terms of their impact on credit risk management and moving towards a stronger credit culture.

Who Should Attend: Chief Credit Officer, Commercial Loan Officer, Fair Lending Manager, Consumer Loan Officer, Junior Loan Officer

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Develop Meaningful Job Descriptions

Job descriptions serve a multitude of purposes to an organization. They have a vital role in recruitment, succession planning, salary administration, coaching, and performance management, as well as serving as necessary legal and compliance documents. But, how effective are they in meeting these critical objectives? In this session, we will look at some tips and tricks to take  job descriptions beyond just being a laundry list of position to-dos and candidate must-haves to a document that is effective at meeting the needs of the organization, guiding employees in their career paths, attracting the best quality talent in your recruitments, and maintaining legal compliance.

Who Should Attend: VP of HR, HR Manager, HR Business Partner, HR Analyst, Director of HR

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The Opportunity for Capturing Deposits and Growing Savings at Tax Time

For many customers, a tax refund represents the single largest transaction of the year and their best opportunity to make significant progress toward financial goals. Yet most banks let this moment pass by without making offers to help customers take advantage of the refund windfall. In this webinar, attendees will learn more about the role tax refunds play in customers’ lives and explore innovative concepts to help them leverage the moment to build savings. Learn how your financial institution can be a vehicle for greater financial security at the most opportune moment in a customer’s financial year.

Who Should Attend: Chief Banking Officer, Branch Manager, Sales Managers, Retail & Product Managers, New Accounts Managers

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Standing for Equality: Connecting with LGBTQ Customers

Financial institutions are increasingly evaluated for their perceived or actual stance on social issues. On this 50th anniversary year of the 1969 Stonewall Riots, many larger banks and credit unions will deliver messages of inclusion and LGBTQ equality. As consumers become more accepting of the LGBTQ community, companies realize that showing support for equality makes good business sense. This webinar explores why and how smaller institutions should finally take a stand for equality.

Who Should Attend: Chief Marketing Officer, Marketing Director, VP of Human Resources, Director of HR, HR Analyst, HR Business Partner

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Funding Your FI in the New Age – Keys to Your Funding Options

This session will provide best practices to manage funding costs and risk management needs while providing the framework to better leverage core deposits. In this session, attendees will address how “big bank” liquidity rules impact deposit markets and access the role and strategy of various funding sectors. Join this webinar to grasp a deeper understanding of liquidity rules and learn how your institution can benefit from having a clear understanding of this framework.  

Who Should Attend: Credit Analyst, Chief Credit Officer, Chief Risk Officer, VP of Accounting, Chief Financial Officer

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Rethinking Q Factors with CECL

A new accounting standard means lots of changes, including how to calculate and document qualitative factors (Q factors). In this webinar, gain an understanding of Q factors with CECL, learn how Q factors need to be applied, and how they vary based on the complexity of a loan portfolio and your chosen model Additionally, this webinar will provide an understanding of how different statistical approaches justify qualitative adjustments. This session will also offer insights on the AICPA’s recently released guidelines for auditing CECL, taking a specific look at what they say about Q factors.

Who Should Attend: Credit Analyst, Loan Officer,  Risk Officer, VP of Accounting, CFO

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An Update on California’s Consumer Privacy Act – What’s Changed Since it was Enacted in 2018

The effective date for the California Consumer Privacy Act (CCPA) of 2018 is just around the corner and banks are working diligently to comply. The CCPA establishes consumer rights: to know the personal information a business collects on them, to delete their personal information, to limit/prevent sale of their personal information, and to be free of discrimination in the offering and pricing of services based on the consumer’s exercising these rights. In this session, we will review key provisions of the Act and will share recent revisions enacted by the California Legislature. Join us for this important webinar and learn about the requirements of the Act and areas in which banks will need to comply.

Who Should Attend: Risk Officer, Chief Operational Officer, Director, Legal

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How Effective are Your Retail Management Routines?

Practicing consistent management routines and leading by example provides a clear, transparent roadmap for branch staff to emulate. This webinar will discuss common pitfalls branch management may experience with current routines and teach attendees how to create effective, impactful routines to lead their team to success. This webinar will also identify how to scale routines for universal use throughout your entire organization and how to create best practices for organizations of all sizes.

Who Should Attend: HR Manager, HR Business Partner, Training Manager, Branch Management

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Determining When to Term Out a Line of Credit

A line of credit (LOC) is a valuable lending tool for a borrower that needs working capital. However, if a client’s situation changes and long term repayment will be affected, the bank needs to assess when and how to term out their loan. This session will provide guidance on what to do–before the line goes bad and after the borrower has defaulted. The emphasis will be on the former because if the problem can be identified beforehand, mitigating the risk can be done by terminating the line and terming the balance out.

Who Should Attend: Credit Analysts, Credit Specialists, Junior & Senior Lenders, Underwriters, Relationship Managers, Business Bankers, Commercial Lenders, Business Development Officers

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Leading by Example: Effective Board Evaluation Programs in a Disruptive Business Environment

In an era of disruptive technology, economic uncertainty and evolving and expanding operational risk, bank regulators and investors are increasingly focused on board composition, as well as board refreshment mechanisms. In this webinar, explore the business case for periodic board evaluations and review the tools to assist organizations in developing, conducting and monitoring an effective board evaluation program. An effective board evaluation program serves as a valuable tool to help ensure the board’s composition and strengths align with the organization’s strategy, business objectives and risk profile.

Who Should Attend: Chief Operating Officer, Director, Risk Officer

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Advanced Tax Return Analysis

This webinar will provide attendees several advanced tax return concepts and related analyses to help effectively work with business customers. The webinar will begin with a brief review of analyzing a business owner’s personal “1040” tax return and the return of an LLC, S corporation, and C corporation including Schedules M-1 and M-2, Schedule K-1, pass-through transactions, and other deductions.

Who Should Attend: Chief Financial Officer, Controller, Finance Officer, Finance Specialist, Commercial Loan Officer, Consumer Loan Officer, Junior Loan Officer

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Emerging Cybersecurity Threats

As cyber-criminals continue to develop new attack vectors, banks must be ready to defend against attacks such as mobile malware, fake mobile banking applications, web skimming, and crypto-jacking in order to keep data and customers safe. This session will review not only the threat these attacks pose, but how to effectively select and implement the best prevention and mitigation strategy possible for each of these vectors. Learn to implement effective mitigation strategies to thwart attack vectors and establish a proactive approach to cybersecurity.

Who Should Attend: Chief Compliance Officer, Chief Risk Officer, IT Director, Chief of Technology

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Understanding Behavior

Communication is key in any situation; understanding our own behavior and recognizing the behavior styles of others serves to open-up communication at a deeper level to serve others both inside and outside of the organization. In this session, identify your preferred communication style and how to relate and work with others who have a style different from your own. In a service-driven business, it is important to recognize how someone needs to be communicated with in order to establish trust, care, and help them achieve their goals.

Who Should Attend: HR Manager, HR Analyst, VP of HR, Customer Service Manager, Sales and Service Manager

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Banking Large Block Depositors – Collateral Mechanisms

For community-focused financial institutions, attracting large-block depositors can be a challenge when they require or request securitization of their deposits in excess of FDIC /NCUA insured limits. However, there are a number of securitization options available to financial institutions. In this session, attendees will learn to understand the complexities of each securitization method and how they may vary by the type of depositor, which is key for a financial institution to successfully execute their larger block funding strategy.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Director

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CECL Approach & Preparedness for Community Banks

With the implementation of CECL still being a fairly new concept for banks, having the opportunity to see how other banks have implemented this approach can serve as a valuable tool for implementation. This session will offer a walkthrough of a bank’s excel templates, dashboards, and other technical documentation. Attendees will get a front row seat to one bank’s white paper on their CECL methodology. Learn how they have implanted their model and manage data to produce a timely CECL allowance.

Who Should Attend: Chief Financial Officer, Controller, Chief Credit Officer, Chief Banking Officer, Compliance Officer, Auditor

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The GAAP Gap: What Recent Changes in US GAAP Accounting Mean for Borrowers and Lenders

Much of the change in GAAP in recent years is the result of collaboration between the Financial Accounting Standards Board (FASB) and the International Accounting Standards Board (IASB) to bring US and international accounting principles closer together.  At some point, both groups decided they were as close as they would be likely to get on several key concepts—revenue recognition, lease capitalization, and CECL. This session will explain these new concepts and how they affect borrowers and how lenders should incorporate these changes into their own analyses and underwriting of borrowers.

Who Should Attend: Director of Finance, Lending Professionals, Accounting Professionals

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Avoiding Surprises in Mortgage Servicing

As banks face competitive challenges and increased regulatory and investor scrutiny, establishing internal monitoring systems to provide ongoing feedback on critical servicing components should be an integral part of the management structure for all loan servicers. Preventing surprises that can result in significant operational, regulatory, reputational, and financial burdens, if not detected on a timely basis is just as critical. In this webinar, attendees will learn about the challenges servicers have had managing and implementing the Consumer Financial Protection Bureau rules, especially related to servicing transfers. In addition to implementing the rules, regulatory and investor quality control requirements for the ongoing monitoring of servicing activities will be addressed.

Who Should Attend: Mortgage Loan Officer, Chief Finance Officer, Loan Administrator, Credit Officer, Underwriter, Loan Processor, Risk Officer, Compliance Professionals

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Bank Application Security

A web page is a modern-day necessity that draws not only business, but hackers. Most banks offer web and mobile banking, which can create unique attack vectors that will not be spotted in a typical network penetration test. It is crucial that banks implement regular testing on their website and mobile applications to combat potential cyber-attacks. In this webinar, learn about the possible vulnerabilities in your web and mobile banking applications and how to know when they need to be tested.

Who Should Attend: Chief Technology Officer, Chief Information Security Officer, Data Integrity Manager, IT Manager, Database Manager

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Industry and Management Evaluation for Lenders

Before an institution reviews a borrower’s financials, an evaluation of the industry and management structure needs to be conducted to ensure long term repayment success. This webinar will show how various industries tend to create an economic bubble within and how their management is tasked with strategizing growth and being profitable. Even in troubled industries, there are always a few firms, e.g., Southwest Airlines and Jet Blue in the airline industry, who have been successful.  This session will show how to analyze the borrower’s industry and its impact on management’s ability to repay.

Who Should Attend: Chief Risk Officer, Chief Lending Officer, Credit & Lending Professionals, Risk Professionals

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The 45-Minute Deposit Study

Key model assumptions for non-maturity deposits (beta and decay) often represent a major ALM modeling weakness at community banks. In this session, learn how to support these model assumptions using straightforward, transparent, and accepted methods. Implementing these methods will not only improve your exam and validation experience but will result in cleaner and more effective modeling. It’s much easier than you may expect.

Who Should Attend

Director, Chief Executive Officer, Chief Financial Officer, ALCO Member, Controller, Senior Financial Specialist, Risk Officer,

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Spotting Issues in the Most Important Due Diligence Documents

Properly reviewing vendor due diligence is necessary for vendor management success. During this session, we will demystify the structure and terminology of three of the most informative and important due diligence documents you should be getting from your vendors: SOC reports, financial statements, and business continuity plans. Receive tips on how you can review these documents and develop techniques for explaining results to your management.

Who Should Attend

Compliance Officer, Risk Officer, Vendor Management Officer, Operations Director, Chief Operations Officer, Senior Vice President, Vice President

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Five Proven Ways to Jump-Start Core Deposit Growth in 2020

Generating low-cost core deposits is an urgent strategic priority for financial institutions nationwide. In this highly-competitive, rising-rate environment, demand for core funding is high, and many community institutions are scrambling to keep pace. The challenge: old strategies to attract core deposits are no longer relevant to today’s consumers and the conventional wisdom that financial institutions have relied on in the past, no longer works. The solution: coaching financial executives to profitably grow core deposits, expand their branch networks, and successfully serve their broader communities. Join this webinar to learn how embracing and deploying a new strategy that rejects conventional wisdom and successfully resonates with consumers can revive your organizations bottom line.

Who Should Attend: Operations Officers, Information & Technology Officers, Chief Financial Officers, Vendor Management