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Ratio Analysis to Determine Financial Strength

Tuesday, November 21st, 2017 11:00 am - 1:00 pm ET

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.

Presenter: Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Excel Explained: Managing Large Spreadsheets

Monday, November 27th, 2017 2:30 pm - 4:30 pm ET

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)

Presenter: David H. Ringstrom, CPA, is an author and nationally recognized instructor who teaches scores of webinars each year. His Excel courses are based on over 25 years of consulting and teaching experience. David’s mantra is “Either you work Excel, or it works you,” so he focuses on what he sees users don’t, but should, know about Microsoft Excel. His goal is to empower you to use Excel more effectively... (more)

Critical Issues on Certificates of Deposit (CDs)

Tuesday, November 28th, 2017 11:00 am - 1:00 pm ET

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)

Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of c... (more)

Living Trust Documents

Tuesday, November 28th, 2017 2:30 pm - 4:30 pm ET

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.

Presenter: Terri D. Thomas is Senior VP and Legal Department Director for the Kansas Bankers Association. Prior to this, she was with "Bankers Choice," a financial consulting firm. Before this, Terri was employed in the financial industry for over twenty-three years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansa... (more)

Fraud Detection and Investigation

Wednesday, November 29th, 2017 11:00 am - 1:00 pm ET

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)

Presenter: Randy Phillips began his career in financial institution security while still employed as a police investigator in upstate New York. His career in law enforcement provided his first exposure to the world of corporate security and financial crimes and would shape his career path from then on.

Commercial Construction Lending

Wednesday, November 29th, 2017 2:30 pm - 4:30 pm ET

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.

Presenter: Richard Hamm has been training bankers for 25 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training.

2017 TRID Final Rule Update

Thursday, November 30th, 2017 11:00 am - 1:00 pm ET

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!

Presenter: A Certified Regulatory Compliance Manager (CRCM), Jerod Moyer's experience includes over 15 years in the regulatory compliance field. He has held compliance positions with an $800 million community bank and an $840 million five-bank holding company. Jerod's passion for and experience in the compliance profession allow him to take complex regulatory requirements and provide realistic solutions.

Robbery Awareness

Thursday, November 30th, 2017 2:30 pm - 4:30 pm ET

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)

Presenter: Barry Thompson, the "Fraud Educator", is the author of 101 Security Tips for The Beginning Security Officer. Barry became a Certified Regulatory Compliance Manager in 1997, after which he served as a security specialist for the former America's Community Bankers* and as the managing partner for Thompson Consulting Group, LLC. Barry is an instructor for at many industry conferences and schools, and... (more)

Exploring the IRA Universe - Part III

Friday, December 1st, 2017 11:00 am - 1:00 pm ET

IRAs: Way Beyond the Basics
Beneficiaries and Distributions

This is part of a four-part webinar series on IRAs. To view or purchase the entire series, click here.

“H... (more)

Presenter: Patrice M. Konarik is president of Sunwest Training Corp. founded over 20 years ago and is located in the Texas Hill Country near San Antonio, Texas. With over 30 years’ experience in the financial industry, Patrice has focused her expertise on the retirement and new account areas and is currently providing live training and Webinars on these subjects on a nationwide basis. She has a BS in Managem... (more)

Strategic Loan Pricing

Monday, December 4th, 2017 2:30 pm - 4:30 pm ET

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)

Presenter: Richard Hamm has been training bankers for 25 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training.

Exploring the IRA Universe - Part IV

Tuesday, December 5th, 2017 11:00 am - 1:00 pm ET

IRAs: Auditing and Compliance
How to Audit your IRA Accounts

This is part of a four-part webinar series on IRAs. To view or purchase the entire series, click here.

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)

Presenter: Patrice M. Konarik is president of Sunwest Training Corp. founded over 20 years ago and is located in the Texas Hill Country near San Antonio, Texas. With over 30 years’ experience in the financial industry, Patrice has focused her expertise on the retirement and new account areas and is currently providing live training and Webinars on these subjects on a nationwide basis. She has a BS in Managem... (more)

HMDA - Last Minute Update (Warning)

Tuesday, December 5th, 2017 2:30 pm - 4:30 pm ET

WHAT?

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)

Presenter: Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 41 years. In 36 years as a trainer over 130,000 bankers (and many examiners) have participated in Jack’s live seminars and webinars. Jack’s career began in 1976 as a federal bank examiner. He later headed the product and education divisions of a regional consulting company. There he de... (more)

2018 Cybersecurity Forecast

Wednesday, December 6th, 2017 11:00 am - 1:00 pm ET

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)

Presenter: Chad Knutson is a Senior Information Security Consultant and serves as President of the SBS CyberSecurity out of Madison, SD. SBS is a leader in information security consulting for the financial industry in the US. SBS works with more than 900 banks around the country on information security services such as the development of Information Security Programs, Policies, and Risk Assessments, along w... (more)

Opening Accounts for High Risk Customers: Documentation, Scripts and Risk Mitigation

Wednesday, December 6th, 2017 2:30 pm - 4:30 pm ET

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)

Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of c... (more)

SAR Decision Making

Thursday, December 7th, 2017 11:00 am - 1:00 pm ET

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.

Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of c... (more)

Get Global: Understanding Global Cash Flow Analysis

Thursday, December 7th, 2017 2:30 pm - 4:30 pm ET

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)

Presenter: Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Agricultural Loan Documentation & Administration

Friday, December 8th, 2017 11:00 am - 1:00 pm ET

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.

Presenter: Robin Russell has practiced law for 29 years and is licensed in Texas, New York and Massachusetts. She is a fellow in the American College of Bankruptcy and of the American Law Institute. She combines a depth of experience in bankruptcy restructuring and litigation with financial transactions. She has represented corporate debtors, independent directors, liquidating trustees, bondholders, unsecu... (more)

Commercial Real Estate Lending: Cash Flow Analysis & Cap Rates

Monday, December 11th, 2017 2:30 pm - 4:30 pm ET

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)

Presenter: Richard Hamm has been training bankers for 25 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training.

Notary Public

Tuesday, December 12th, 2017 11:00 am - 1:00 pm ET

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.

Presenter: Terri D. Thomas is Senior VP and Legal Department Director for the Kansas Bankers Association. Prior to this, she was with "Bankers Choice," a financial consulting firm. Before this, Terri was employed in the financial industry for over twenty-three years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansa... (more)

Excel Explained: Introduction to Spreadsheets

Tuesday, December 12th, 2017 2:30 pm - 4:30 pm ET

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)

Presenter: David H. Ringstrom, CPA, is an author and nationally recognized instructor who teaches scores of webinars each year. His Excel courses are based on over 25 years of consulting and teaching experience. David’s mantra is “Either you work Excel, or it works you,” so he focuses on what he sees users don’t, but should, know about Microsoft Excel. His goal is to empower you to use Excel more effectively... (more)

RESPA Section 8 Violations - They're Back!

Wednesday, December 13th, 2017 11:00 am - 1:00 pm ET

WHAT
Section 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)

Presenter: Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 41 years. In 36 years as a trainer over 130,000 bankers (and many examiners) have participated in Jack’s live seminars and webinars. Jack’s career began in 1976 as a federal bank examiner. He later headed the product and education divisions of a regional consulting company. There he de... (more)

Escrows

Wednesday, December 13th, 2017 2:30 pm - 4:30 pm ET

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)

Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients t... (more)

E-Sign Compliance - Implementation Steps and Requirements for Loan Applications

Wednesday, December 13th, 2017 2:30 pm - 4:30 pm ET

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)

Presenter: Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

EFT

Thursday, December 14th, 2017 11:00 am - 1:00 pm ET

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:

Presenter: David's banking career began as a field examiner for the FDIC in 1990. He later became a Loan Officer for a 110-million dollar bank. In 1993, he established Banker's Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker's Compliance Consulting produces.

Unraveling the Similarities and Differences Between the Green Book & ACH Payments

Friday, December 15th, 2017 11:00 am - 1:00 pm ET

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)

Presenter: Mary Kate Cole, AAP, CAE, principal of MK Cole Consulting, has nearly two decades of bank operations experience. Kate is an experienced ACH Auditor as well as speaker on payments related topics. She was VP of the Upper Midwest ACH Association for over 15 years. At that time, she was responsible for member education, ACH Audits and problem solving as well as ACH Development projects. Kate has been... (more)

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