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January 2019

Credit Analysis & Underwriting Series: Analyzing Financial Statements for the Credit Analyst

January 30 @ 3:00 pm - 4:30 pm EST
TN United States

Analyzing financial statements goes beyond EBITDA. Proper analysis focuses on determining a borrower’s financial risk and assessing operating performance and cash flow, debt repayment ability, liquidity, leverage, and profitability. The task is to determine the operating entity’s ability to generate sufficient cash for: On-going operations Paying interest payments, current portion of long-term debt (CPLTD), and shareholder dividends Capital spending on plant, equipment, and other fixed assets If the operating entity does not generate sufficient cash from operations, it would have…

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Teller Training Series: Frontline Fraud Prevention: Stopping Fraud at the Teller Line

January 31 @ 3:00 pm - 4:30 pm EST
TN United States

Tellers and other staff who handle accountholder transactions are the first line of defense against fraud, money laundering, identity theft, and other crimes. What you know about these issues and how you handle them directly impact accountholders and can save your institution from potential losses. In 2017, financial institutions filed 148,290 suspicious activity reports on identity theft and related issues, and another 436,391 reports on frauds including checks, wire transfers, and ACH, including matters related to Ponzi, mass-marketing, and pyramid…

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February 2019

Leg/Reg Forum 2019

February 4 - February 5
Hermitage Hotel, 231 6th Avenue North
Nashville, TN 37219 United States
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Image of the Hermitage Hotel at night in Nashville

Leg/Reg Forum February 4 - 5, 2019 Leg/Reg Forum is the premier annual event designed to bring credit union leaders together with both State and Federal Lawmakers, Regulators, State Leaders, and industry experts.  Always held in Nashville, just a short walk from the Tennessee State Capitol, this event provides credit unions the opportunity to hear the most current information affecting our industry. Invited Speakers Congressman John Rose  Congressman Mark Green  State Representative Timothy Hill  State Senator Jack Johnson  Ryan Donovan,…

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C-Suite Series: CAMELS Rating for Executives

February 6 @ 3:00 pm - 4:30 pm EST
TN United States

The foundation for every safety and soundness exam is the CAMELS rating system. Examiners look at numerous assessment factors for each component. This webinar will address compliance considerations, examiner hot spots, and maintaining safe and sound financial performance. You’ll learn more about the big picture and how each department’s efforts fit together. Participants will receive a CAMELS report checklist that indicates which reports will aid in understanding how your institution stacks up on each CAMELS component. Learn more and register…

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ACH Specialist Series: ACH Tax Refund Exceptions, Posting & Liabilities

February 7 @ 3:00 pm - 4:30 pm EST
TN United States

The federal government is one of the largest single users of the ACH network, but did you know that they don’t follow the same NACHA Operating Rules as a typical Originator? IRS tax refunds must be handled with care. The average IRS tax refund is almost $3,000 and every financial institution receives them. With such high volume, it is imperative that financial institutions understand the requirements surrounding tax refunds to avoid potentially large losses. These requirements address account number/name matching situations, deceased…

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Teller Training Series: Risks & Precautions for Endorsements & Other Negotiable Instruments

February 12 @ 3:00 pm - 4:30 pm EST
TN United States

Accepting items for deposit is just routine – until something goes wrong. When sending deposited items through for payment, your institution is warranting that it gave the funds to the payee. Who is the item really payable to? What about restrictive endorsements? Who can endorse when there are multiple payees? What if no one endorses it, can it still be deposited? The answers to these questions depend on the facts and circumstances of each item and the parties involved, including…

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Board Reporting Series: Board Secretary Procedural & Compliance Responsibilities

February 13 @ 3:00 pm - 4:30 pm EST
TN United States

The board secretary’s role is critical in today’s dynamic industry involving corporate governance, compliance, and director liability. That role also includes communication with directors and management, administration of corporate governance, oversight of policy/procedure reviews, obtaining and maintaining annual documentation, and compliance issues. Examiners routinely ask for and conduct an in-depth review of board minutes as a part of their regular exam request memo. What are the dos and don’ts of this important role? How can the board secretary be more…

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Credit Analysis & Underwriting Series: Debt Service Coverage Calculations in Underwriting

February 20 @ 3:00 pm - 4:30 pm EST
TN United States

Which debt service coverage ratio (DSCR) calculation method should be used: EBITDA, UCA cash flow, or free cash flow? Should the primary or global DSCR result be used for underwriting? Should there be a provision for maintenance capital expenditures? What about Section 179 depreciation expense? Should a deduction for taxes and living expenses be included? Should the underwriting be based on the DSCR before or after distributions? What should be done with missing debt service schedules? Should loans to stockholders…

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