RMA is pleased to introduce a new webinar series addressing the top challenges facing the financial services industry and providing practical solutions to allow your institution to thrive. Created by risk professionals for risk professionals, this new resource continues RMA’s mission of helping your institution manage emerging risks in an increasingly complex market. The webinar series will feature two 1-hour webinars every first and third Tuesday of the month on a variety of current topics. Because of the timely nature of this series and our desire to bring you the most relevant content, the additional webinars will be announced at a later date.
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November 5, 2019
By 2024, the cannabis industry is predicted to reach $40 billion annually. Clearly this industry could boost bank profits.
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November 19, 2019
Climate change presents both physical and transitional risks to the assets financed by your financial institution.
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Because the consumer landscape is drastically changing right now, we want to hold off on delivering this webinar, to be able to provide relevant content to you at a future date in May. We will update this site once we have a new date.
Find out how customer service in other industries and rapid advances in technology are shaping borrower expectations regarding auto, home, and other lending, and the opportunities and risks this changing landscape presents for financial institutions.
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1:00–2:00 P.M. E.T.
Log on for the latest expert perspectives on the state of this over $1 trillion market, and what the current risks and opportunities could mean for your institution.
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June 9, 2021 - June 23, 2021
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Three sessions – each of the three sessions is two hours, from 1pm-3pm EST. Session 1: October 19, 2020
Session 2: October 21, 2020
Session 3: October 23, 2020
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
Now offered as a virtual course, taking place in a virtual classroom setting via Zoom, Analyzing Business Tax Returns enables bank personnel to understand tax concepts relating to various business entities and the use of tax returns in estimating the customer’s ability to service debt, including how taxes influence cash flow and customer operations. Through a mix of case studies, small group activities, and active discussions, participants are better prepared to apply the content learned when they return to their jobs.
OBJECTIVES
After completing Analyzing Business Tax Returns, participants will be able to:
Analyzing Business Tax Returns is designed primarily for commercial loan officers who lend to individuals and small businesses.
Pre-course Materials
IMPORTANT: Once you register, you will receive a confirmation email with a link to download pre-course materials that must be completed prior to attending the course. Please contact Customer Care, 1-800-677-7621 or registrar@rmahq.org if you don't receive the email within one business day.
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Three sessions – each of the three sessions is two hours, from 1pm-3pm EST. Session 1: October 19, 2020
Session 2: October 21, 2020
Session 3: October 23, 2020
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
Now offered as a virtual course, taking place in a virtual classroom setting via Zoom, Analyzing Business Tax Returns enables bank personnel to understand tax concepts relating to various business entities and the use of tax returns in estimating the customer’s ability to service debt, including how taxes influence cash flow and customer operations. Through a mix of case studies, small group activities, and active discussions, participants are better prepared to apply the content learned when they return to their jobs.
OBJECTIVES
After completing Analyzing Business Tax Returns, participants will be able to:
Analyzing Business Tax Returns is designed primarily for commercial loan officers who lend to individuals and small businesses.
Pre-course Materials
IMPORTANT: Once you register, you will receive a confirmation email with a link to download pre-course materials that must be completed prior to attending the course. Please contact Customer Care, 1-800-677-7621 or registrar@rmahq.org if you don't receive the email within one business day.
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1:00–3:00 P.M. E.T.
Three sessions – each of the three sessions is two hours, from 9am-11am EST.
Session 1: October 5, 2020
Session 2: October 7, 2020
Session 3: October 9, 2020
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
Now offered as a virtual course, taking place in a virtual classroom setting via Zoom, Global Cash Flow I: Foundation in GCF Concepts provides participants with a commercial lending risk assessment tool to 1) estimate the probability of loan repayment from a business and its owners as borrowers or guarantors, and 2) make an informed credit decision by combining the information in the business and personal cash flow statements to determine whether the combined global cash flow is sufficient to service the debt of the business, its owners, and its guarantors. Through a mix of case studies, small group activities, and active discussions, participants are better prepared to apply the content learned when they return to their jobs.
OBJECTIVES
After completing Global Cash Flow I: Foundation in GCF Concepts, participants will be able to:
Global Cash Flow I: Foundation in GCF Concepts is designed for practicing commercial loan officers and other lending and credit professionals who lend to borrowers including private clients, small businesses, and closely held corporations and who need to increase their understanding of repayment risks associated with contingent liabilities of the owner and their business interests. In general, participants should already have a working knowledge of personal tax returns, business tax returns, and cash flow.
IMPORTANT: Once you register, you will receive a confirmation email. Please contact Customer Care, 1-800-677-7621 or registrar@rmahq.org if you don't receive the email within one business day.
Three sessions – each of the three sessions is two hours, from 1pm-3pm EST.
Session 1: October 26, 2020
Session 2: October 28, 2020
Session 3: October 30, 2020
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
Now offered as a virtual course, taking place in a virtual classroom setting via Zoom, Global Cash Flow I: Foundation in GCF Concepts provides participants with a commercial lending risk assessment tool to 1) estimate the probability of loan repayment from a business and its owners as borrowers or guarantors, and 2) make an informed credit decision by combining the information in the business and personal cash flow statements to determine whether the combined global cash flow is sufficient to service the debt of the business, its owners, and its guarantors. Through a mix of case studies, small group activities, and active discussions, participants are better prepared to apply the content learned when they return to their jobs.
OBJECTIVES
After completing Global Cash Flow I: Foundation in GCF Concepts, participants will be able to:
Global Cash Flow I: Foundation in GCF Concepts is designed for practicing commercial loan officers and other lending and credit professionals who lend to borrowers including private clients, small businesses, and closely held corporations and who need to increase their understanding of repayment risks associated with contingent liabilities of the owner and their business interests. In general, participants should already have a working knowledge of personal tax returns, business tax returns, and cash flow.
IMPORTANT: Once you register, you will receive a confirmation email. Please contact Customer Care, 1-800-677-7621 or registrar@rmahq.org if you don't receive the email within one business day.
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1:00–2:30 P.M. E.T.
Four Modules Dates and Times: September 15, 2020, September 16, 2020, September 22, 2020 and September 23, 2020 1:00 PM to 2:30 PM EDT
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
As loan quality diminishes, the prevalence of problem loans and subsequent workouts is increasing rapidly across the banking industry. Whether your bank’s strategy is to hold, restore, liquidate, charge off, or exit the loan, a very specific, differentiated skillset is required for lending professionals who must deal with the distressed borrower to achieve the best outcome for all involved. With the stakes high, it’s critical that both experienced workout officers and those who are transitioning into this position be equipped with the tools and know-how needed to deal with the new normal.
Designed as an advanced tool to quickly transition lending professionals from their current roles to a loan workout banker, this course will review the keys to sound, successful problem loan workouts and offer hands-on experience in the form of interactive, challenging case studies from a variety of industries.
By attending the course’s one preliminary session and four modules, you’ll get to explore various delicate situations that regularly arise in workouts and learn how to resolve them by applying core concepts and best practices used by experts. Finally, you will have a better understanding of critical internal and regulatory reporting required and understand the importance of the bank’s overall policy governing the credit workout strategy.
Modules
Module #1: Big Picture Goals and the Inputs Required to be Successful (9/15)
Module #2: The Five Workout Resolution Options and How to Achieve Them (9/16)
Module #3: Reporting and Pitfall Avoidance (9/22)
Module #4: Loan Participations, Shared National Credits and TDRs (9/23)
You Will:
Who Should Attend?
Anyone currently in or transitioning to a role responsible for loan workouts, including:
Instructor
Nacy Terrill, CTP, Inglewood Associates
Prerequisites
A complimentary prerequisite session will be held on August 20, 2020, from 1 – 2:30 pm and will be available on-demand until the main course kicks off. This session will set the stage for the remaining modules in the series and address the overall framework, transition options, and core concepts of all special asset/loan resolution departments.
Course Format
This course will be delivered virtually in four 90-minute sessions – one for each module – led by the instructor. In addition to attending the sessions, participants will be required to watch the prerequisite course listed above and complete take-home assignments in between sessions.
This version of the course is open for any individual from any bank to register. If you would like to explore options for a version of this course that is exclusive to your bank, please get in touch with your Relationship Manager or contact Customer Care at 1-800-677-7621 or registrar@rmahq.org for more information.
Related Courses:
How to Pivot from Commercial Loan Professional to Effective Workout Banker (Prerequisite)
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Problem Loan Resolution is designed to provide participants with a template to identify:
The focus is on developing a successful workout when supported by the appropriate factors, since workouts tend to yield the least adverse outcome for both parties.
The instructor for this seminar series is Joseph W. May, a former executive vice president and chief administrative officer of Whitney National Bank. Prior to joining Whitney, May was executive vice president and chief credit policy officer with Comerica Incorporated. He held that same position with Manufacturer National Corp. prior to its merger with Comerica. May has served in various capacities during his association with RMA which began in 1971, and was president of RMA in 1993–1994. He received his B.S. and M.B.A. degrees from the University of Rhode Island and graduated from the NACM Graduate School of Credit and Finance, Stanford University. Joe has been an RMA instructor and course designer for over 30 years. In addition, he has been a SCORE counselor and local chapter officer for 15 years.
Problem Loan Indicators is designed to enhance the participants ability to identify and evaluate potential problem loans in the current environment. It opens with the uneven impact of economic change on various industries and the governments influence, pro and con, thereon. The major focus is on commercial borrowers and the warning signs that suggest budding problems.
Speaker: Dima Berdiev, Managing Partner and Founder DNB Advisory LLC
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
These are critical times, with borrowers, banking customers, and lending institutions being pushed to the limit. What’s important to realize is that:
What worked before, including during prior crises, is not likely to work in this situation. We need to retire for a while our old playbooks and adapt to this unique situation quickly. The waive of deferrals and the PPP funding only postponed and masked our true assessment of the economic damages to our borrowers, our credit facilities, and our organizations.
One of the first steps in adapting to the new environment is changing our underwriting / portfolio management process, as it will face a mass wave of troubled credits. How do you manage them efficiently and effectively, maximizing recovery of viable borrowers and minimizing loan losses? The seminar will cover:
The survival of commercial lending organizations in this environment will depend on their ability to map the new process and other critical areas as well as to implement them quickly and effectively. This must happen in the next one to two months.
You will have an opportunity to participate in the Q&A and provide input into additional resources you may need.
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10:00 AM - 1:00 P.M. E.T.
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
To avoid risks associated with deploying unfair or discriminatory models, your institution needs to build a team of analysts who can successfully mitigate ML model bias. This two-part workshop will teach attendees how to mitigate bias in ML models using three common effective strategies:
This registration page is for Workshop I only, which will focus on building the educational foundation needed to employ these strategies effectively.
In Workshop I, You Will:
Who Should Attend?
Instructors
Prerequisites
None
Workshop Format
These workshops consist of instructor-led presentations and hands-on exercises to be completed by the workshop participants. Participants will have the opportunity to ask questions and get one-on-one assistance from the Course Assistant attending the workshops.
Participants are expected to program on their own computers using the instructions provided prior to the workshop.
October 5, 2020
Machine Learning Models Workshop II: Methods for Detecting & Correcting Bias
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
To avoid risks associated with deploying unfair or discriminatory models, your institution needs to build a team of analysts who can successfully mitigate ML model bias. This two-part workshop will teach attendees how to mitigate bias in ML models using three common effective strategies:
This registration page is for Workshop II only, which will build on the educational foundation presented in Workshop I and give attendees an opportunity to put their programming skills to the test to successfully correct for model bias.
In Workshop II, You Will:
Who Should Attend?
Instructors
Prerequisites
Machine Learning Models Workshop I: Methods for Detecting & Correcting Bias and/or comprehensive prior knowledge of bias mitigation strategies as well as Python programming skills
Workshop Format
This workshop will consist of presentations by the instructor and hands-on exercises to be completed by the workshop participants. Participants will have the opportunity to ask questions and get one-on-one assistance from the Course Assistant who will also attend the workshops.
Participants are expected to program on their own computers using the instructions provided prior to the workshop.
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
Two Sessions:
To avoid risks associated with deploying unfair or discriminatory models, your institution needs to build a team of analysts who can successfully mitigate ML model bias. This two-part workshop will teach attendees how to mitigate bias in ML models using three common effective strategies:
In Workshop I, You Will:
In Workshop II, You Will:
Who Should Attend:
Instructors:
Workshop Format
This workshop will consist of presentations by the instructor and hands-on exercises to be completed by the workshop participants. Participants will have the opportunity to ask questions and get one-on-one assistance from the Course Assistant who will also attend the workshops.
Participants are expected to program on their own computers using the instructions provided prior to the workshop.
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1:00–2:30 P.M. E.T.
Three sessions – each of the three sessions is two hours, from 1pm-3pm EST.
Session 1: November 9, 2020
Session 2: November 10, 2020
Session 3: November 13, 2020
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
Now offered as a virtual course, taking place in a virtual classroom setting via Zoom, Understanding & Interpreting Real Estate Appraisals introduces bank appraisal personnel to issues involved in ordering and reviewing real estate appraisals, and gives participants a foundation in the terminology as well as knowledge regarding when to ask for an appraisal, how to order one, what information an appraisal should provide, and how to review an appraisal for compliance, common errors, and critical information. Through a mix of case studies, small group activities, and large group discussions, participants are better prepared to apply the content learned when they return to their jobs.
OBJECTIVES
After completing Understanding & Interpreting Real Estate Appraisals, participants will be able to:
Benefits credit analysts and lenders who are not real estate experts, but need to understand appraisals as one of the many tools to help them make intelligent lending and credit decisions.
IMPORTANT: Once you register, you will receive a confirmation email. Please contact Customer Care, 1-800-677-7621 or registrar@rmahq.org if you don't receive the email within one business day.
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12:00 PM - 2:30 P.M. E.T.
Sponsored by ENGAIZ.
Two Sessions: November 5, 2020 & November 6, 2020
Time: 12:00 PM to 2:30 PM ET
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
Third-party relationships are an increasingly critical component of the operational risk management framework for organizations of all sizes. Amid mounting pressure from regulators, firms are challenged to find the right balance between value-for-money and regulatory compliance, while ensuring their program identifies and mitigates third-party risks. An essential part of the extended enterprise, third parties expose your organization to a myriad of risks including financial, cyber, privacy, business resilience, and technology risk.
What you will learn?
Learn how to identify, assess, manage, and control third-party risk starting with risk identification and due diligence, continuing through contracting and risk monitoring, then concluding with termination. Master the essential elements and controls that your firm should implement to mitigate and manage risk.
Who will benefit?
Individuals involved in third-party risk management and vendor management (including selection, risk identification, due diligence, risk/relationship management) will benefit from this forum. In addition, this forum is informative for compliance, legal, audit, and senior management (e.g.: ops/enterprise risk, business continuity, technology, cyber/info sec).
Presenters
Linda Tuck Chapman, President, Ontala Performance Solutions
Jai Chinnakonda, Co-Founder & CEO, ENGAIZ
CPE Hours: 3.8 CPEs
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Three sessions – each of the three sessions is two hours, from 1pm-3pm EST. Session 1: October 19, 2020
Session 2: October 21, 2020
Session 3: October 23, 2020
Once you have registered through the RMA website you will receive an email to complete your registration for this event in Zoom.
Now offered as a virtual course, taking place in a virtual classroom setting via Zoom, Analyzing Business Tax Returns enables bank personnel to understand tax concepts relating to various business entities and the use of tax returns in estimating the customer’s ability to service debt, including how taxes influence cash flow and customer operations. Through a mix of case studies, small group activities, and active discussions, participants are better prepared to apply the content learned when they return to their jobs.
OBJECTIVES
After completing Analyzing Business Tax Returns, participants will be able to:
Analyzing Business Tax Returns is designed primarily for commercial loan officers who lend to individuals and small businesses.
Pre-course Materials
IMPORTANT: Once you register, you will receive a confirmation email with a link to download pre-course materials that must be completed prior to attending the course. Please contact Customer Care, 1-800-677-7621 or registrar@rmahq.org if you don't receive the email within one business day.
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