Credit (Risk) Analysis is one of the most important functions performed by banks. Because interest and fee income from loans represent the largest source of revenue for banks, thorough credit analysis must be performed before loans are approved and funded.
Credit Analysis starts with spreading historical financial statements and then calculating key ratios to determine the financial health of an organization. Learn the five vital signs of any organization and the ratios required to identify the signs. A detailed identification and definition of ratios will be included.
When it comes to managing large spreadsheets, users often feel stressed about a multitude of issues. In this beneficial presentation, Excel expert David Ringstrom, CPA, demonstrates several ways you can manage large spreadsheets with aplomb. His tips will help you save time, improve the integrity of large workbooks, avoid repetitive tasks, and much more.
David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in Excel 2016. He’ll draw to your attention any differences in Excel 2013, 2010, or 2007 during the presentation as well as in his detailed handouts. David also provides a... (more)
Still put a piece of paper into a sleeve and give it to the customer and call it a CD? It might be old fashioned but many institutions still handle nonnegotiable CDs much like they handled the negotiable instrument of days gone by. As we transition from the traditional Certificates that are negotiable to the signature card contract certificates of deposit, what rules apply and what do not anymore? Let's look at the procedures which might not make sense anymore such as Loss of CD Affidavits. It might mean that you need signatures of all parties and not just the one opening the account. Old school might not work in today's legal and regulato... (more)
Financial institutions are required to complete transactions for customers who have created revocable and irrevocable trusts. To protect your financial institution's interests when using these documents, it is imperative to understand the basic do's and don'ts. This presentation will provide financial institution personnel with best practices to use when dealing with these complex legal documents.
We live in an ever-changing technological world with software and applications for everything imaginable. So why isn’t there an app for preventing financial institution fraud? Not all fraud is preventable or discoverable by electronic means. Sometimes it takes good old fashioned investigative work. Join us for a look at some of the “old school” fraud problems that still exist today and how we can do a better job at identifying them. We’ll discuss the importance of your internal culture and its impact on fraud, both internal and external. After we’ve detected a problem, now what do we do? Learn the importance of a proper investigation, how ... (more)
Construction loans for commercial real estate (CRE) remain a major part of commercial bank lending. Many community banks attempt to use versions of their residential formats and policies to administer commercial construction loans; however, this generally does not adequately control the situation due to several important differences between residential and commercial projects.
This program provides an overview of the key steps involved in effectively administering commercial construction loans.
Are you looking for a compliance solution that addresses changes within the 2017 TRID final rule? Look no further! Join Jerod Moyer of Banker’s Compliance Consulting for a two-hour 2017 TRID Final Rule Update webinar. The following are just a few of the areas where there will be changes. Partner with us as we guide you through each of the areas of change in plain English so you can do what you do best, serving your customers!
Why do people rob financial institutions? To paraphrase notorious robber Willie Sutton, "because that's where the money is."
Statistics for robbery of financial institutions show that this dangerous-and sometimes deadly-crime still exists. Combine the threat of violence and the use of force with the nervousness of perpetrators and the foolish acts of heroism by victims, and it's no wonder that law enforcement considers robbery to be one of society's most dangerous crimes.
In fact, a robbery victim's own actions may exacerbate the situation, resulting in brutal attacks, serious injuries, and even death. This program will... (more)
This is part of a four-part webinar series on IRAs. To view or purchase the entire series, click here.
With intense competition to capture loans, now more than ever it is important to have a strategic approach to loan pricing. This includes adequately covering your bank's costs and meeting profit objectives. It also includes differentiating loan interest rates to reflect relative risk, plus knowing that you CAN win the borrower's business on a basis other than the lowest price.
This session will cover two "big issues" that influence pricing, then three smaller issues. Along the way, we will demonstrate how to measure loan profitability and calculate the required rate of return on a loan. We'll discuss getting premiums for tak... (more)
As we journey back towards earth, it’s time to check everything we – and those who came before us – have done to the IRA ... (more)
Are you ready? The world of HMDA is changing in a dramatic fashion in just a few weeks!
On October 13, 2015, the Consumer Financial Protection Bureau (CFPB) published 797 pages of final rules to implement changes required by the Dodd-Frank Wall Street Reform and Consumer Protection Act and changes from the CFPB that are intended to modernize and simplify the reporting requirements. The final rules are generally effective on January 1, 2018. In addition, the CFPB released revisions to the HMDA final rules on August 24, 2017 that will also be effective as of January 1, 2018 and will impact your collection a... (more)
As the year slowly winds down, join us for a review on major information security events in 2017 and a brief look forward at what is to come in 2018. With so much activity in the cybersecurity space, new government regulation, and continued data breach reports; there are many lessons learned and takeaways to reflect on. Use these reflections as a launching pad for changes in 2018, to tackle the next round of cybercrime in banking. Unfortunately, most our topics will reflect increasing cybercrime incidents related to ATMs, wire transfers, corporate accounts, or mobile devices. We will however provide some guidance on next steps to mitigate ... (more)
Today’s decision to bank or not to bank high risk customers has been called a movement to de-risk. De-risking means to choose not to bank a whole group of customers. This process is being criticized as perhaps not being in the best interests of the country since there will be groups who find it difficult to find banking services. It may send industries into virtual currency and cash which make them less transparent. Perfect examples of this are marijuana related businesses, money service businesses, nonresident aliens, payday lenders, third party payment processors.
Instead, it may make more sense and ultimately be good for the local... (more)
To file or not to file? That is the question. In this program we will talk about moving from a Red Flag to a Suspicious Activity Report (SAR). What are the reasons we are asked to file a SAR, what dollar amounts, what ranges of activity and many more tricky issues of running the SAR portion of the BSA.
Understanding how to calculate and interpret cash flow is essential for successful bankers. This course is designed to assist bankers in calculating cash flow using the Uniform Cash Flow Analysis (UCA) method. We'll also provide guidance in calculating Global Cash Flow Analysis for entities that rely on excess cash generated by their owners to service the business entity's commercial debt.
We'll begin by defining Cash Flow as the tool to transform an Accrual Basis Financial Statement into a Statement of Cash Flow. We'll discuss Cash Flow's importance when considering a long-term loan request. We'll then demonstrate how Cash Flow is c... (more)
Gain an essential understanding of agricultural collateral, risk management, loan documentation, loan administration and loan monitoring.
This webinar will provide bankers with an essential understanding of agricultural collateral, the risks presented by agricultural lending, agricultural loan documentation and loan administration.
Experienced lenders will find the material covered to be a beneficial review, while less experienced bankers will benefit from a strong foundation in the OCC guidelines for safety and soundness in agricultural lending and their application in day-to-day loan monitoring.
Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios. Also, many borrowers still have large holdings of income-producing or rental real estate. Whether directly financing these assets or including the income stream(s) in your overall credit analysis, it is important to understand key analytical concepts utilized in evaluating CRE cash flow.
This program covers the key variables and concepts for determining CRE cash flow and transaction-level stress-testing. We'll learn that CRE cash flow involves more than earnings before interest, taxes, depreciation and amortization (EBITDA) for... (more)
Being a notary public is a responsibility assumed by many financial institution employees. Unfortunately, most do not understand the personal liability when agreeing to serve in this capacity. Notaries and others will learn best practices for dealing with issues unique to the financial industry. Help your team know their responsibilities, plus learn basic laws, liability and reviews of various notarial acts.
This presentation is designed for those who haven’t worked with Excel spreadsheets before or who haven’t used them in a few years. Excel expert David Ringstrom, CPA, walks you through the basics of Excel spreadsheets, providing the knowledge needed to create functional spreadsheets and manipulate large lists of data.
During the webcast, David presents an overview of the different types of files you can create; explains Excel’s rows and columns grid; demonstrates how to remove duplicates from a list; shares keyboard shortcuts that simplify repetitive tasks; shows you how to use free, prebuilt Excel templates to get a jump start on your... (more)
WHATSection 8 of the Real Estate Settlement Procedures Act (RESPA) prohibits unearned fees and kickbacks. Prior to July 2011, the Department of Housing and Urban Development (HUD) had primary responsibility for enforcement of RESPA. HUD was a very active enforcer of Section 8 violations.
The Consumer Financial Protection Bureau (CFPB) assumed control of RESPA, including Section 8, in July 2011. Until recently, CFPB had not been active in Section 8 enforcement. Starting in 2013, however, the CFPB shifted gears, an... (more)
This date of this webinar has changed from its originally scheduled date of December 14th. The new date is December 13th, 2017.
There are several lending laws and regulations out there that require escrowing of taxes, insurance, and similar fees. And not only are there rules that require escrows, RESPA then mandates the accounting for the escrow be maintained pursuant to specific rules. In this webinar we’ll discuss the mechanics of establishing and maintaining escrow accounts, as well as in what situations escrows must be maintained.
In addit... (more)
The world of electronic banking continues to evolve and bankers want to keep pace with technology and customer preferences. Recent surveys indicate that 51% of adults in the U.S. bank online and 32% bank with mobile phones. Customers expect more digital access at a time that cybersecurity has become a significant threat. The recent “breach” of 143 million consumer credit reports this year has brought additional scrutiny to compliance with both cybersecurity and consumer protection regulations. What steps must be followed to be in compliance with E-Sign? What NEW steps ... (more)
Join David Dickinson of Banker’s Compliance Consulting for a two-hour webinar dedicated to dissecting the Regulation E, VISA and MasterCard error resolution requirements.
ACH, ATM and Debit Card error resolution rules are confusing. There are Regulation E rules and VISA or MasterCard rules that don’t always sync up. While the math behind zero liability is easy, the rest can be very hard to comprehend. This webinar will provide insight and break down each of the following in plain English:
Learn the differences between the Green Book and the ACH Rules, with a focus on enrollment, payment processing, reclamations and limiting your liability.
The Bureau of Fiscal Services (formally Financial Management Services) manages the payments from the majority of the Federal Government Agencies. The Green Book is a comprehensive guide for financial institutions that receive ACH payments from and send payments to the federal government. In this session we will discuss the differences between the Green Book and the ACH Rules. The reclamation process can be confusing and can have a financial impact on your bank. Join us to le... (more)