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Serving The Needs Of Washington Bankers Since 1889
Upcoming Events
August
17 Deposit Documentation (PBS)
18 Deposit Documentation (PBS), Spokane
31 Directors Forum
September
1-2 Customer Lending School
15 Train the Trainer
21 Notary Public
23 Regulatory Updates Forum
26-28 Commercial Lending Institute
October
7 Technology and Fraud Conference
9 Notary Public, Lynnwood
20-21 Compliance Conference
21 Notary Public
26-28 Commercial Lending Institute
November
2-3 Agricultural Lending in Challenging Times,
Kennewick
4 CFO Conference
9 Notary Public, Tacoma
18 Women in Banking Conference
December
1-2 WBA/WFL CEO/Bank Director’s Conference
Upcoming WBA Schools
Consumer Lending Academy
September 1-2, Seattle
This two-day program is an interactive class that combines lecture, case
study, and role play. It is intended to provide participants with the basic
lending skills required to manage the bank’s consumer loan process.
Today’s loan officer must master not only lending but sales skills, as
well as regulatory compliance. Credit scoring alone cannot replace the
judgment and analytical skills of the loan officer. The country’s economic
downturn has complicated this job. Regulators have upped the ante as
loan file administration is central to a good safety and soundness exam.
The top performing banks in the country have 20% - 30% of their outstanding
loans in consumer loans. The big advantages to these banks
are higher portfolio yields and portfolio risk diversity. In addition, the
consumer loan portfolio also generates fee income. In short, banks have
to focus on this hidden source of business.
Commercial Lending Institute
September 26-28, Seattle
Commercial and industrial lending has moved to the forefront for many
banks. After years of extending loans to develop and support commercial
real estate; bank loan portfolios have become heavily concentrated
in loans secured by commercial real estate. Regulators are demanding
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that banks diversify their commercial loan portfolios to include more
commercial and industrial loans, thus lessening the impact of commercial
real estate loan concentration. The purpose of this three-day
Commercial Lending Institute is to provide participants with the fundamentals
required to be successful in the commercial lending process.
This school will cover the major areas commercial loan officers must
master in order to build a safe and sound loan portfolio.
Agriculture Lending in a Challenging Environment
November 2-3, Richland
This two-day seminar, presented by Dr. David Kohl, Professor Emeritus
at Virginia Tech, is specifically designed for current times and the challenges
facing agriculture and agrilending. This program will examine
the domestic and global economy impact on agricultural portfolios and
individual credit and underwriting standards. Students will participate
in case studies in which they will examine key ratios and financial
benchmarks used in the agrilending field and the latest developments
in financial and credit analysis as they apply to farm, ranch, and agribusiness
loans. Dr. Kohl will also discuss growth and expansion traps as
well as problem loan indicators and workout strategies that continually
present challenges to agrilenders.