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    Credit Scores Demystified: Unraveling FICO & Understanding Credit Risk Factors & the July Changes

    Monday, October 23, 2017 - 2:00 PM - 3:30 PM ET
    $249.00
    When you register for this program you will receive a complimentary Credit Scores Learning Workbook. Let’s face it, for many people credit scores are a mystery. Why does one consumer have a 700+ FICO with late payments and past collections when another consumer’s score, with clean payment history is 50 points lower? And why is the credit score we just pulled for a consumer so much different than the one they received this month from their credit card company? If you have these questions too you are not alone. In this course we are going to dive as deep as we can in an hour and one half, to unravel the mystery behind the FICO credit score. The information provided is invaluable which every employee who works with credit reports and consumers should have.

    Banking a Professional: The Best Products & Services for MDs, JDs, & CPAs

    Monday, October 30, 2017 - 1:00 PM - 2:30 PM ET
    $249.00

    This is a rebroadcast of a session that was recorded on the 6th of July 2016. 

    This webinar will provide the Banker with a strong background in banking for the medical, legal, and accounting professional. The webinar will address the three most important issues in providing bank products and services to these professionals including Marketing to the practice, Financing the practice, and Managing the relationship.

    The marketing section will cover “targeting” the bank’s products/services to fulfill the banking needs of doctors (MDs, dentists, optometrists), attorneys, and CPAs. The “mind-set” of these practitioners will also be reviewed.

    The financing section will include typical bank “lending” and “deposit services” and effective “credit underwriting” of the professional practice including financial statement and cash flow analyses.

    The relationship management section will explore ways to more effectively work with the professional, from a “psychological” standpoint, and better interact with their office manager and staff.

    Case studies will be utilized throughout the webinar to reinforce the concepts.  

    Expanding Your Commercial Real Estate Loan Portfolio

    Tuesday, October 31, 2017 - 11:00 AM - 12:30 PM ET
    $249.00
    The commercial real estate market has its “ups” and “downs.” Prior to the “Great Recession,” many banks were heavily concentrated in this market. But as the market has started to recover, it is important that banks “cautiously” expand their commercial real estate loan portfolio. This requires an understanding of “commercial real estate” and the “loan transaction” process. Attend this Webinar to review the basics of “commercial real estate” including types of properties, environmental issues, and demand/supply in the “current” market.

    CFPB Priorities, Rules, & Action Items: Complying with New Lending & Deposit Requirements

    Wednesday, November 1, 2017 - 11:00 AM - 12:30 PM ET
    $249.00
    President Trump has vowed to dismantle the Dodd-Frank Wall Street Reform and Consumer Protection Act and as a part of that process the Consumer Financial Protection Bureau (CFPB). While this has been on his radar for some time, the CFPB will be a part of our regulatory lives for the foreseeable future. The CFPB will continue to be a leader in setting regulatory priorities across the financial industry. This session is a forward thinking discussion that will explore what is on the agenda, what we can expect, and what these changes mean for us. We will also discuss the implications of President Trumps vow to dismantle the rules.

    How to Turn Chapter 7 Bankruptcies Into Profitable Events

    Monday, November 6, 2017 - 2:00 PM - 3:30 PM ET
    $249.00
    Bankruptcy isn’t anything a creditor should fear! Bankruptcies have for a long time been the bane of both creditors and debtors, but there’s no reason that should be. A Chapter 7 bankruptcy can actually be beneficial to a creditor, both during and after the bankruptcy, and as respects current and future obligations or transactions with the filing debtor. This session is a cost-effective way to minimize the negative impact bankruptcies can have on your business, while providing potential ways to actually turn a chapter 7 into a profitable event for your institution, and arm you with the knowledge it will take to navigate this complex area of law either yourself or with minimal legal help – helping you avoid costly legal fees and harmful write-downs of loans and obligations.

    Handling Loan Applications: Required Training for Loan Originators

    Tuesday, November 7, 2017 - 2:00 PM - 3:30 PM ET
    $249.00
    This webinar will equip you and your personnel to properly handle loan applications. In this webinar, you will learn: (1) the top 5 mistakes made in application processing; (2) timing requirements regarding applications; (3) what documentation should be kept; and, (4) practical suggestions and best practices.

    2018 Fair Lending Hot Topics: Redlining, Mortgage & Student Loan Servicing, & Small Business Lending

    Tuesday, November 14, 2017 - 2:00 PM - 3:30 PM ET
    $249.00
    This webinar will discuss the CFPB's Fair Lending Supervision and Enforcement Priorities, including: Redlining, Mortgage Servicing, Student Loan Servicing, and Small Business Lending.

    Non-Resident Alien Accounts: Opening, Identifying, Monitoring, & Tax Reporting

    Monday, November 20, 2017 - 2:00 PM - 3:30 PM ET
    $249.00
    Dealing with nonresident alien accountholders adds another layer of issues to account opening, maintenance, and reporting. Since the USA PATRIOT Act, Customer Identification Program (CIP) law passed, opening these accounts and covering the required documentation and identification bases makes dealing with these accounts more challenging than ever. This issue is also a Bank Secrecy Act exam "hot spot" with the regulators as nonresident alien accounts are considered to be high risk. This session will address the following questions about procedures and your bank: What does the law say about identifying nonresident aliens? What type of identification is being used around the country to open accounts? What are the proper procedures for W-8 reporting? What role does Office of Foreign Assets and Control (OFAC) play in your new accounts procedures? If these questions have not been answered to your satisfaction in your bank this session is a must.

    FASB's Current Expected Credit Loss Model for ALLL

    Monday, November 27, 2017 - 2:00 PM - 3:30 PM ET
    $249.00
    This webinar summarizes the new accounting standard (ASU 2016-13, Financial Instruments – Credit Losses) for the determination of the Allowance for Loan & Leases (ALLL) – the new standard that replaces the incurred-loss model currently in use. This carefully presented overview should take away the mystique and in some cases the fear of the estimation (forecasting) requirements now required under CECL.

    Agricultural Loan Analysis During Challenging Times: Indicators of Problems Ahead

    Wednesday, December 13, 2017 - 2:00 PM - 3:30 PM ET
    $249.00
    Upon completion of this webinar, participants will be able to: • Understand of the circumstances leading up to current loan repayment problems • Recognize the benefits of preparing an income statement in addition to a projected cash flow statement for agricultural operations • Understand the magnitude of the difference between net farm income calculated using the cash basis schedule F of the income tax return and accrual-adjusted net farm income • Learn how to access a “free” spreadsheet that can be used to prepare an accrual-adjusted income statement • Learn comparative data sources that can be used to assess financial performance • Learn the effectiveness of changes in operating strategies and loan terms on repayment capacity

    Commercial Lending Skills: Business Tax Returns Analysis

    Monday, February 5, 2018 - 2:00 PM - 3:30 PM ET
    $199.00
    When you register for this webinar, you will receive a complimentary 5-part Toolkit. This webinar will provide the banker with several advanced tax return concepts and related analyses to help them more effectively work with their business customers.

    Fair lending in Indirect Lending

    Wednesday, February 7, 2018 - 2:00 PM - 3:30 PM ET
    $219.00
    Coming Soon

    Cash Management: How Sales, Operations, and Technology Can Work Together to Generate More Fee Income

    Tuesday, February 20, 2018 - 2:00 PM - 3:30 PM ET
    $199.00
    After attending this webinar, you will walk away with a deeper knowledge of Cash Management, conduct a risk assessment on any new products, and bring back ideas to your bank on how to market Cash Management products and services to your business clients. In addition, your team will also work better together knowing how critical each area is to the success of the implementation and sale of these products and services.

    Advertising Compliance: Marketing Requirements for Consumer & Commercial Lending

    Monday, March 12, 2018 - 2:00 PM - 3:30 PM ET
    $199.00
    Upon completion of this webinar, participants will understand: • What regulations cover advertising for credit products; • What communications are considered “advertisements”; • What are triggering terms and triggered disclosures; • When the Member FDIC/NCUA and Equal Housing Lender logos are required; • Differences between advertising requirements for consumer and commercial loans; and • UDAAP issues surrounding advertising.

    Negative Pledge Provisions in Loan Agreements

    $249.00
    Upon completion of this webinar, participants will be able to: (1) Identify common examples of negative pledge provisions in loan and security agreements.  (2) Understand and explain to borrowers why lenders want negative pledge provisions.  (3) Understand and explain to borrowers defaults and the borrower's ability to cure.  (4) Understand helpful hints in drafting and documenting negative pledge provisions.

    ACH Rule Changes in 2017

    $219.00
    Each year, NACHA issues a new Operating Rules and Guidelines due to updates, new rules, and clarifications. This course reviews recent ACH Rules changes including Same-Day ACH and Third-Party Sender Registration requirements, and analyzes how various regulations, guidance and laws are affecting ACH processes and risk.

    CFPB 2 Year Agenda: Put Out Compliance Fires *Before* They Start

    $219.00
    President Trump has vowed to dismantle the Dodd-Frank Wall Street Reform and Consumer Protection Act and as a part of that process the Consumer Financial Protection Bureau (CFPB). While this has been on his radar for some time, the CFPB will be a part of our regulatory lives for the foreseeable future. The CFPB will continue to be a leader in setting regulatory priorities across the financial industry. This session is a forward thinking discussion that will explore what is on the agenda, what we can expect, and what these changes mean for us. We will also discuss the implications of President Trumps vow to dismantle the rules.

    12 Creative Collections Techniques for First-Party Debt Collectors & Creditors

    $219.00
    Collections Expert Mike Morley will teach you 12 innovative strategies for successful collections that he developed over the course of 25+ years in his in consumer and commercial credit and collections. This 60-minute workshop will teach you the best collections practices that took Mr. Morley more than two-and-a-half decades to learn!

    Commercial Real Estate Lending in Today’s Economy

    $219.00
    The commercial real estate market has its “ups” and “downs.” Prior to the “Great Recession,” many banks were heavily concentrated in this market. But as the market has started to recover, it is important that banks “cautiously” expand their commercial real estate loan portfolio. This requires an understanding of “commercial real estate” and the “loan transaction” process. Attend this Webinar to review the basics of “commercial real estate” including types of properties, environmental issues, and demand/supply in the “current” market.

    Credit Scores Demystified: Unraveling FICO & Understanding Credit Risk Factors & the July Changes

    $219.00
    When you register for this program you will receive a complimentary Credit Scores Learning Workbook. Let’s face it, for many people credit scores are a mystery. Why does one consumer have a 700+ FICO with late payments and past collections when another consumer’s score, with clean payment history is 50 points lower? And why is the credit score we just pulled for a consumer so much different than the one they received this month from their credit card company? If you have these questions too you are not alone. In this course we are going to dive as deep as we can in an hour and one half, to unravel the mystery behind the FICO credit score. The information provided is invaluable which every employee who works with credit reports and consumers should have.

    Managing Accounts and Records for Non-Resident Aliens: Opening, Identifying, Monitoring, & Tax Reporting

    $219.00
    Dealing with nonresident alien accountholders adds another layer of issues to account opening, maintenance, and reporting. Since the USA PATRIOT Act, Customer Identification Program (CIP) law passed, opening these accounts and covering the required documentation and identification bases makes dealing with these accounts more challenging than ever. This issue is also a Bank Secrecy Act exam "hot spot" with the regulators as nonresident alien accounts are considered to be high risk. This session will address the following questions about procedures and your bank: What does the law say about identifying nonresident aliens? What type of identification is being used around the country to open accounts? What are the proper procedures for W-8 reporting? What role does Office of Foreign Assets and Control (OFAC) play in your new accounts procedures? If these questions have not been answered to your satisfaction in your bank this session is a must.

    Commercial Loan Structure, Documentation, & Compliance Training

    $219.00
    This proactive webinar provides a thorough overview of commercial lending requirements from a loan structure, documentation, and compliance perspective. Basic business structure will be presented along with loan structure and loan support. Additionally, commercial lending issues relative to loan documentation will be reviewed. Loan pricing and monitoring will also be covered along with a review of current compliance issues. The webinar will be summarized through a comprehensive case study.

    New CECL Approach to Determine Allowance for Loan & Leases

    $219.00
    This webinar summarizes the new accounting standard (ASU 2016-13, Financial Instruments – Credit Losses) for the determination of the Allowance for Loan & Leases (ALLL) – the new standard that replaces the incurred-loss model currently in use. This carefully presented overview should take away the mystique and in some cases the fear of the estimation (forecasting) requirements now required under CECL.

    Commercial Lending: How to Analyze Business Tax Returns to Enhance Customer Experience

    $219.00
    When you register for this webinar, you will receive a complimentary 5-part Toolkit. This webinar will provide the banker with several advanced tax return concepts and related analyses to help them more effectively work with their business customers.