Banks and Credit Unions
Going Beyond Basics: Providing Value-Added Services to Meet Customers' Banking Needs
In today's rapidly evolving banking industry, customers are seeking more than just basic financial services. They expect personalized experiences, convenience, and value-added offerings that cater to their unique financial requirements. This topic explores how managers in the banking sector can go beyond traditional services and provide value-added solutions to meet customers' evolving needs.The description..
How to Lend to Business Borrowers over the Business Cycle
Topics discussed include:Volatility of construction risk in economic cyclesSupply chain risk for contractors Payment process for contractors and subcontractorsContractor status report and key elements in contractor accounting and financial statementsProgress billings, retention, and collateral value Role of sureties in providing bonds to contractors - lien priorities Evaluating contractor downside cash flow..
How to Perform a Sound Credit Review With Limited Information
This webinar will cover the entire credit process from how to set up an account, how to decide what payment terms they should receive all the way to how best to collect from a delinquent account. The webinar outlines steps for the following processes:Credit application - what is needed in the body of your credit application so that your company is covered should there be a lawsuit, or the customer goes to c..
Basics of Asset Based Lending (ABL)
Asset-based lending (often referred to as “ABL”) is a form of commercial lending designed to finance safely the working capital needs of a borrower whose cash flow currently may not support debt repayment. Like other commercial loans, cash flow is the primary repayment source for an asset-based loan but with a stronger reliance on the company's assets as collateral and firmer control over the receipts of th..
The Credit Managers Tool Box
This webinar will cover the entire credit process from how to obtain the information and what you need to look for in the statements. We will show the relationship between the income statement, balance sheet and statement of cash flows. We will go through an entire analysis process using a variety of ratios including Liquidity, Activity, Leverage and Profitability. The webinar will show how to common size f..
Diversification is Not Always the Panacea
Diversification of investments or assets is not always the best strategy to adopt for a corporate treasurer a portfolio manager, or any investment professional in general.Diversification has known shortcomings that we will go through.Concentrating your investments can bring unexpected benefits to your overall risk/return performance.Areas CoveredShortcomings of diversificationA quick math discussion (no for..
Emotional Intelligence: The Cornerstone of Leadership Success
During this time when people are stressed out, angry, and maybe even sick, we need leaders who have high Emotional Intelligence or EQ. Simply put, your ability to demonstrate EQ during times of rapid change and uncertainty will define your leadership legacy.Areas CoveredHow leaders with high EQ establish psychological safety zones that enhance innovation, engagement, and performanceSpecific ways to leverage..
ESG in Finance, Practically Speaking
ESG is taking an increasing place in financial management decision making. Stakeholders at large are ever more demanding that ESG be fully integrated within a company’s policies.Such outside pressure translates into the need to define, measure, and ultimately diagnose ESG factors affecting the company’s functioning, in order to put forth a strategy and its accompanying policies to reach improved ESG s..
Analyzing Financial Statements
You will learn all about how to start the analysis process, how the FASB and SEC operate together and where you can find audited financial statements and how to retrieve them. We will cover auditor’s opinions and what they mean. We will discuss the objectives of analysis management, learn tools and techniques such as common sizing financial statements and trend analysis. We will cover the five categories of..
Basics of Forensic Accounting
Whether you are involved in evaluating the creditworthiness of a prospective customer, analyzing investment opportunities, or even beginning to suspect that something funny is going on in your own company, this session will give you the tools to determine what is really going on. It's not just about the financial statements, this presentation will show you how to conduct a preliminary investigation will hel..
BSA Reporting Requirements
BSA regulations require all financial institutions to submit five types of reports. Individuals or companies must file an individual filing requirement. We will go over more details later on in this presentation. They are: Currency transaction reports (CTR)Suspicious Activity Report (SAR) Foreign financial accounts (FBAR)Currency and Monetary Instrument Report (CMIR)Designation of Exempt PersonAreas Covered..
Deep Dive into Financial Ratios
During many years of evaluating companies there are many things that you find are not as they seem after breaking down a balance sheet, income statement or statement of cash flows. If you do not have the skills to properly analyze the companies’ financial statements, you could end up losing a large customer to bankruptcy or granting a loan and the company defaults on it. In the webinar you will learn how re..
Effective Anti-money Laundering Program - Financial Fraud Detection, Prevention
Auditing financial accountsRecognizing suspicious transactionsUse of computerized tools Customer information- building up to date KYC designTraining and AwarenessFlagging high risk accountsTransaction monitoringAreas Covered Money Laundering – Definition and HistoryMoney Laundering in the 21st centuryInternational InitiativeRed Flags and indicatorsMoney Laundering skills developmentCommon Problems with AML ..
EFT Act and Regulations E in 2023
We will explore all aspects of regulation E, plus discuss how this rule impacts your day-to-day responsibilities. You will learn how to comply with the Electronic Fund Transfers Act In 2023.This webinar will focus on the background of Electronic Fund Transfers Act, as well as recent developments that affect electronic transfers. We will also cover disclosures, error resolution, gifts and the examination sid..
Financial Projections For Determining Long-Term Cash Flow Repayment Ability
One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay its loans based on the financial information available. Financial organizations extend credit to borrowers when the borrowers show the ability to repay the loans extended. Ideally, a request for a five-year loan should be supported by a 5-year cash flow projection. Learn key as..