Course Descriptions

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Online Review Course for the CRCM Exam

At the end of the course, participants should be familiar with all of the federal laws and regulations in the following areas:

Credit and Deposits, safety and soundness, information reporting, corporate responsibility, securities, insurance and other financial services, bank operations, setting up a compliance program.

Audience: This course is designed for Compliance Professionals and specifically for those preparing for the Certified Regulatory Compliance Manager (CRCM) Exam. It is also useful for line managers with compliance responsibilities.

Accounting Basics (General)

Accounting Basics provides a complete foundation in basic accounting procedures for you if you have minimal or no college accounting or business background, or if you need a refresher course or to prepare for further accounting study.

Agricultural Lending

This course will focus on how the major agricultural trends are impacting marketing and credit decisions, and how the competitive structure is changing. The differential credit analysis techniques will be introduced through short case studies; included will be the worksheets used for small and large commercial agricultural loans, ratio benchmarks for agricultural loans, common denominators of problem loans, and risk- rating systems for both small and large agricultural loans.

Audience: Lenders who will be beginning or are in their first few years of agricultural lending, credit analysts and loan review personnel, loan documentation personnel, and any age-bank personnel who need an understanding of the agricultural lending function.

Alternative Delivery Systems

This workshop explores why banks are increasingly offering alternative delivery systems to their customers, and what features and benefits have the most appeal. In addition, they will learn about the advantages and disadvantages of each delivery system, as well as profitability and marketing issues. At the conclusion of the program participants will be able to: Explain why banks offer alternative delivery systems, including: Supermarket banking, ATM’s and kiosks, Debit cards, Telephone banking, and PC and internet banking; State the advantages and challenges to the bank of offering alternative delivery systems; Describe the advantages of alternative delivery systems to customers; Demonstrate how to effectively overcome customer objections to alternative delivery systems; Explain marketing issues related to alternative delivery systems; and Identify alternative delivery systems offered by the participant’s own bank.

Audience: Any banking professional who needs to understand how technology and other factors are changing the way banks service their customers, such as customer service personnel and entry-level marketing staff

Analyzing Bank Performance

Analyzing Bank Performance provides participants with all of the tools needed to analyze their bank’s financial performance. During this class, participants will analyze their own bank’s performance.

Audience: Junior-level bank officers up through CEOs who need the analytical tools to analyze bank performance. As part of the class, participants analyze the performance of their own bank.

Analyzing Financial Statements (Prerequisite: Accounting I)

A practical introduction to financial analysis from the viewpoint of the commercial loan officer, this course gives you the skills you need to effectively assess a borrower’s ability to repay loans. After successfully completing this course, you will be able to: relate how a company’s type of business, legal structure, size, and management strategies affect the way a lender conducts financial analysis; analyze income statements, balance sheets, and pro forma statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; use advanced analytical techniques – sensitivity analysis, sustainable growth, working investment analysis, break-even analysis, and operating leverage; determine when a funds flow statement is required; construct and analyze long-run, multiple-year forecasts of income statements and balance sheets; and construct and interpret a cash budget.

Audience: Designed for commercial loan officers, credit analysts and trainees who have a basic knowledge of accounting principles and practices and a familiarity with the commercial lending process.

Asset Liability Management I

Increased profitability correlates directly to a financial institution’s management of its assets and liabilities. Users will learn how to establish financial goals, determine fundamental trade-offs between risks and returns, understand the link between GAP and net interest margin, determine conditions that affect market value of stockholders’ equity, factors that make assets and liabilities price sensitive, and managing capital and liquidity risk. A great employee development for current and future bank management. The following topics will be covered in this online course: Overview of Asset Liability Management; GAP and Sensitivity Analysis; Duration Analysis; Managing Capital Risk; and Managing Liquidity Risk.

Audience: All personnel involved in the funds management process. Any bank personnel involved in lending or deposit gathering, whether or not they are involved in the asset liability management decision process. Many of these types of participants have walked away with a greater understanding of how other areas of the bank impact product pricing and structure.

Asset Liability Management II

Think you have a good handle on the basics of asset liability management or you’re ready to take the next step? Learn the income-based and wealth-based approach to asset/liability management, GAP management of interest rate risk, how to conduct a static GAP analysis, calculating asset/liability valuation and market risk, regulation of interest rate risk using the Federal Reserve System’s IRR model, and explore hedging with derivative securities. Below is a list of topics that will be covered in this online course: Asset Liability Management; GAP Management of Interest Rate Risk; Asset/Liability Valuation and Market Risk; Regulation and Interest Rate Risk Management; and Hedging with Derivative Securities.

Audience: Those individuals identified in the Asset Liability Management I course that are ready for the next step and more technical information. Experienced funds management professionals.

Bank Financial Analysis

This course builds your knowledge of proper analytical techniques for evaluating the financial condition of a financial institution. Subjects include an in-depth look into the Uniform Bank Financial Report, operating ratio analysis, capital components, return on assets, establishing net interest margin, rate sensitivity, asset and liability liquidity sources, and many more financial components utilized in conducting a bank financial analysis. The course even includes a case study to test your knowledge of proper analytical techniques.

Bank Protection Act

Bank Protection Act teaches bankers how the Bank Protection Act influences the procedures used to preserve evidence of criminal behavior or suspected criminal behavior. This course explains the devices/equipment that must be in place to assist law enforcement officials in the apprehension of individuals who perpetrate crimes against the financial institution. REVISED: 2009

Audience: Employees at all levels.

Banking Today

This course gives you an orientation to the essential principles, concepts, and operations of banking.

Audience: Newly promoted or recently hired managers/officers, management trainees at any level, and specialists in non-banking specific functions such as marketing, data processing and personnel.

Building and Retaining Customer Relationships

This seminar is designed for financial service representatives whose current responsibility is to offer bank products and services to customers. After completing this course, participants will be able to: describe the benefits of building and retaining customer relationships; establish portfolio criteria that support their institution’s business goals; select customers for a sales portfolio; organize customer portfolios to support and track portfolio activity; prepare for an initial contact with portfolio customers; and prepare an action plan for establishing a customer portfolio.

Audience: This course is most appropriate for banking professionals who currently sell bank products to customers. Participants attending this class should have a working knowledge of their institution’s products and services, basic sales techniques, daily planner scheduling and tele-consulting skills or have attended Tele-consulting.

Building Trust Expertise – Investment Management

This program provides an overview of the investment management issues that affect personal trusts. It covers investment types; stock and bond selection/analysis; investment portfolio management; and economical and legal influences on investments.

Building Trust Expertise – Taxation and Estate Planning

Provides an introduction to basic fiduciary income tax, transfer taxes, and estate planning concepts. Covers tax basics including terminology, calculation of distributable net income, income tax calculation, tax implications of grantor and charitable trusts, transfer taxes including gift, estate, and generations-skipping taxes, and how to minimize these taxes through estate planning including use of marital deduction and lifetime gifts.

Audience: New trust administrators, trust associates, private bankers, trust tax professionals, trust compliance officers, business development officers, and trust operations officers who either refer business or who work in the trust department.

Building Trust Expertise – Trust Administration

Provides an overview of the administration of personal trusts. Covers common trust terminology and concepts, the different types of personal trusts, how clients benefit from trust, account acceptance, termination, and discretionary distributions.

Audience: New trust administrators, trust associates, private bankers, trust tax professionals, trust compliance officers, business development officers, and trust operations officer who either refer business or who work in the trust department.

Business Communications

This course takes you through a well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies. Students learn a process for solving future communication problems, and how to use Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

Business Etiquette

This seminar is designed to promote professional behavior in the workplace. Professional behavior decisions can be confusing and the consequences for making an inappropriate decision can have lasting professional and personal consequences. Business Etiquette covers the most current etiquette guidelines for day to day situations to help participants avoid making inappropriate etiquette decisions. Participants are given guidelines for making the appropriate choices in areas such as personal appearance, making introductions and shaking hands. A variety of everyday etiquette issues are addressed such as: what to do if you forget someone’s name; food in the work area; impact of certain behaviors in a close environment such as cubicle workspace; and general guidelines for interpreting dress codes.

Audience: Bank personnel in the branch and administrative office environments.

Business Math Review

Participants will learn shortcuts for standard calculating processes as well as use percents, decimals, fractions, whole numbers and solve equations. They will complete deposit slips, checks, check registers and bank reconciliation, as well as calculate interest and maturity value, determine and investment’s present and future value and identify tax withholdings and other paycheck deductions.

Audience: Anyone who wants to improve the speed and accuracy of financial calculations, including lending & branch personnel and accounting & financial employees.

Calling on Small Business Customers

This course focuses on preparing for and executing the perfect sales call. Participants discuss different call purposes, including Introductory, Profiling, Presentation, and Follow-up. Using an understanding of business types, life stages, and their local market, participants plan a sale and relationship-building strategy for conducting face-to-face calls.

Audience: Bank personnel responsible for face-to-face small business customer calls.

Check Fraud

Participants will learn major types of checks and their characteristics, check acceptability and authenticity, as well as learn typical check fraud schemes and warning signs, check security features and prevention methods for check fraud.

Audience: Customer service representatives, personal bankers, account personnel, supervisors, managers and tellers.

Coaching for Success

This program teaches skills for recognizing a coaching opportunity and how to provide ongoing performance feedback. Participants are encouraged to become involved with the performance growth of other employees to further develop and enhance coaching skills.

Audience: Employees who are responsible for coaching others, which could include managers, supervisors, team leaders, and mentors.

Commercial Lending Accelerated

The art of commercial lending is an ever-evolving process. As the economy goes through different cycles, the underwriting of commercial lending also revolves. However, the core concepts of assessing commercial lending credit risk remain the same. This course will focus on assessing portfolio risk, analysis of financial statements, key ratios and cash flow. The emphasis will be on practical tools to properly assess commercial lending credit risk.

Audience: Lenders who will be beginning or are in their first few years of commercial lending, credit analysis and loan review personnel, loan documentation personnel, and any bank personnel who need an understanding of the commercial lending function.

Commercial Loan Documentation 1

This workshop is designed to provide an overview of commercial loan documentation and explain legal concepts fundamental to the documentation process including legal entities, mortgage law, and secured transactions. Upon completion, students will understand the required documents for commercial transactions, the importance of those legal documents and the legal ramifications of inadequate documentation.

Commercial Loan Documentation 2

This workshop explores in greater depth types of credit commitments and how the loan documentation can be tailored to properly address the understanding with the borrower and the principles risks of the credit.

Commercial Lending

This course will give you the knowledge and skills to be an effective commercial lender. It covers both the technical side of lending and the important human relations skills all successful lenders must have. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans

Audience: Designed for entry-level commercial lending officers, officer trainees, or personnel supporting commercial lending officers.

Concepts of Interest Rate Risk

This course was developed and taught by Olson Research Associates specifically for CSBS. Olson Research is the leading provider of asset/liability management reports for commercial banks. They provide the service called A/L BENCHMARKS®, which gives bankers the detailed analysis they need to effectively manage their bank for greater profitability. The course includes the evolution, valuation, and accounting for financial instruments. In addition, the subject matter includes recent developments in financial measurement, financial strategies, and regulatory requirements for financial risk management.

Audience: Designed for entry-level commercial lending officers, officer trainees, or personnel supporting commercial lending officers.

Consumer Credit Products

This workshop will provide participants with the skills to identify the features of consumer credit products. The course will also provide a link between these features and how they meet the needs of different customers. At the conclusion of the workshop, participants will have completed a Product Matrix Job Aid. At the conclusion of the program participants will be able to: define basic terminology used when discussing consumer credit products; identify features and related benefits of consumer credit products; for secured credit, determine the maximum dollar amount available based on collateral value; match consumer credit products to customer needs; identify bank regulations that impact consumer credit; and identify appropriate products to cross-sell.

Audience: Designed for bank personnel who will be discussing or selling consumer credit products.

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