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    Products tagged with 'lending'

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    New Customer or Con-Artist Training: Online Account Opening and Risk Mitigation

    $99.00
    While online account opening presents growth potential for institutions, it also presents significant risk, particularly when these accounts are funded using ACH. These risks can be controlled with proper due diligence for the online environment, account validation, and enhanced risk controls. This course evaluates practical risk management strategies institutions can use to build a program appropriate for their risk appetite. Covers both new consumer and business accounts.

    All Things Lending: Develop or Review Your Current Loan & Compliance Program

    Tuesday, August 28, 2018 - 12:00 PM - 1:30 PM ET
    $149.00
    Financial institutions originate loans, purchase loans, acquire participating interests in loans, sell loans (or portions thereof), and securitize loans. Your bank's or credit union's credit exposure may be affected by external factors such as changes in interest rates, as well as internal factors such as changes inunderwriting practices. Many federal and state regulatory agencies have imposed numerous limitations and requirements on the lending activities of financial institutions. Because lending activities generate the largest source of an institution's revenue and create the most significant component of an institution's assets, it is critical for you and your employees to thoroughly understand the lending function. This webinar will provide a comprehensive overview of all the activities within the lending function and the internal controls procedures generally used to obtain satisfaction that lending risks are properly identified, monitored, and controlled. To accomplish this objective, we will take an indepth look at specific loan policies, and review the procedures necessary to ensure your institution's compliance with the policies, which includes documentation required under law. Participants will learn what constitutes a well planned institutional loan policy. You will be able to identify safe and sound practices necessary to satisfy regulatory requirements. After attending this webinar, participants will be able to devise clear, precise, and meaningful procedures to audit or review your institution's loan function to ascertain whether internal controls are both adequate and effective. You will understand the four (4) categories of the lending process ((i) credit origination and disbursement; (ii) credit supervision; (iii) collection; and, (iv) loan review) and know why the management of loans and the evaluation of loan controls are valuable and is integral to your institution's Asset/Liability Management Strategy. Because this course is a valuable primer for new employees, as well as a comprehensive refresher for seasoned lenders (e.g., loan accountants, loan control personnel, loan management, etc.), all persons involved in any phase of the lending function or the audit or review thereof should use this webinar to satisfy their corporate governance responsibilities more effectively and efficiently.

    New CECL Approach to Determine Allowance for Loan & Leases

    $99.00
    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

    $99.00
    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

    New Customer or Con-Artist? Online Account Opening and Risk Mitigation

    $99.00
    While online account opening presents growth potential for institutions, it also presents significant risk, particularly when these accounts are funded using ACH. These risks can be controlled with proper due diligence for the online environment, account validation, and enhanced risk controls. This course evaluates practical risk management strategies institutions can use to build a program appropriate for their risk appetite. Covers both new consumer and business accounts.

    Do Not Pass Go: Why Chapter 7 Bankruptcies Are Good Things For Creditors

    $99.00
    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.

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