CUNA Business Lending and Services eSchool (recorded 2013)

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AW10BLS13

May. 1, 2013 - May. 1, 2014 

This recorded event is available until May 1, 2014.

Are you considering adding member business lending and services to your credit union's portfolio of products and services? If so, this eSchool is for you. During this ten session eSchool, we will explore a number of factors your team should contemplate before entering this exciting, but sometimes challenging, market.

Who Should Attend

This eSchool is beneficial for executive management, board members, loan officers and business development officers. Affiliation with CUNA/League is required for attendance.

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AW10BLS13

May. 1, 2013 - May. 1, 2014 

Class 1: April 1, 2013

The Intrigue of Delivering Member Business Services

  • Why should your credit union consider MBL?
  • Who will you serve?
  • What types of products and services will your potential business members require?
  • Will your credit union provide business deposits and ancillary products? If so, does that strategy fit with the type of loan portfolio you expect to build?
  • What size of MBL portfolio might you realistically build in the first 2-3 years?
  • What resources will your credit union require?
  • Are the products you design going to be profitable?
  • How might you differentiate yourself from your competitors?
  • What role can IT, HR and the marketing departments have in planning and roll out?
  • How will pricing be determined?
  • What role will branches and the call center have in the new program roll-out?
  • What training will be required, who's going to do it, how long will it take and how much will it cost?
  • Who will handle collections?

Class 2: April 3, 2013

Competitive Analysis: Building a Product Portfolio to Meet the Competition

  • Analyze your credit union's market
  • Evaluate your credit union's competition
  • Develop a product portfolio to meet the competition and member needs
  • Formulate pricing option; consider the financial consequences
  • Discuss the benefits of using a business plan checklist during the analysis phase

Class 3: April 8, 2013

Member Business Lending - The Basics

  • Determine your credit union's member business lending goal
  • Identify what member business lending is, and is not
  • Recognize how the MBL Cap comes in to play, as well as the restrictions and exceptions specific to credit unions
  • Discuss loan to borrower limits and how they differ from those used in consumer lending
  • Recognize the importance of policies and procedures and what type of guidance should be included
  • Review the experience requirements as outlined by NCUA
  • Discuss the importance of the Global Cash Flow Analysis
  • Recognize the differences between commercial real estate loans and commercial and industrial loans
  • Outline an appropriate Quality Control Process
  • Discuss the importance of staff education and board involvement

Class 4: April 10, 2013

Member Business Services - The Possibilities & Pitfalls

  • Identify portfolio monitoring requirements, as required by Section 723
  • Recognize common sense prudent protection of your portfolio and those of your potential loan participants
  • Discuss loan modifications, workouts and troubled debt restructures as they relate to Section 723
  • Recognize how to properly communicate with participants who have troubled loans
  • Outline the difference between waivers and forbearance requests
  • Discuss how ACH originations are handled
  • Determine the appropriate progression when your state regulations supersede the NCUA regulations
  • Review Section 723 appraisal requirements and how they differ from the rules used by the other financial institutions

Class 5: April 15, 2013

The Loan Department

  • Recognize the experience requirements according to NCUA
  • Examine skill sets necessary for a successful program
  • Discuss the merits and challenges of training existing staff and hiring new, qualified individuals

Class 6: April 17, 2013

Making an Informed Credit Decision

  • Understand the borrowing needs of small business members
  • Recognize the symptoms associated with various types of borrowing
  • Utilize the Five C's of Credit when handling MBL requests
  • Understand the basic financial concepts that impact the health of small businesses
  • Speak the language of small business owners through an understanding of basic small business financial terminology

Class 7: April 22, 2013

Financial Analysis

  • Discuss the balance sheet and the profit and loss statement and what each can tell you about a business
  • Examine loan repayments in relation to cashflow, collateral and personal guarantees
  • Review various loan types and sources of repayment

Class 8: April 24, 2013

Portfolio Review, Monitoring & Control

  • Recognize various types of risk that can impact the portfolio such as
  • Outline steps that can be taken to identify and mitigate risk
  • Understand the importance of annual loan reviews, loan reports, stress testing and sensitivity analysis

Class 9: April 29, 2013

Business Lending & Services Best Practices: Panel Discussion

  • Learn from credit unions who are managing business services in-house, as well as those who are using a CUSO
  • Obtain advice from seasoned credit unions including what they would do the same and what they would do differently if they could do it all over again

Class 10: May 1, 2013

Developing a Program that Works for your Credit Union

  • Discover how small credit unions can make big loans
  • Recognize methods for diversifying your portfolio
  • Discuss potential staffing issues, as well as prospective structures by size and functionality
  • Identify how to create a member business culture
  • Examine the top 25 business deposit and business loan credit unions
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AW10BLS13

May. 1, 2013 - May. 1, 2014 

Chuck Anderson

Chuck has 37 years experience in the financial services industry including 18 years with Wells Fargo Bank, N.A., eight years with Feather River State Bank, three years with Bank of Vancouver/West Coast Bank, six years with Columbia Credit Union, and two years with Arizona State Credit Union. 

Currently he is senior vice president - business banking at Arizona State Credit Union. He is responsible for planning and implementing the creation of business services within the credit union, including business loans, deposit products, collateral products, services, policy, procedures, controls, and reporting. 

Prior to working at Arizona State Credit Union, Chuck held the position of senior vice president - chief lending officer, Columbia Credit Union. There he managed the consumer, residential real estate, and business lending areas. His department had a loan portfolio of $450MM and a monthly origination volume of + $20MM. 

During the six-year tenure with Columbia Credit Union, the business lending department generated +$250,000,000 in loan originations and had loan losses of less that $120,000 cumulative, or a .05% charge-off ratio over six years. The department received excellent exam reports annually from DFI/NCUA, as well as semi-annual exams from a third party independent examiner. The credit union was the model for the Washington State Department of Financial Institutions and was often referred to other credit unions, by DFI, for consulting and assistance.

Vincent DiCara

Vincent is a co-founder of Development Finance Training and Consulting, Inc. (DFTC). He has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for almost thirty years as a business advocate, lender, credit analyst and trainer in the public, private non-profit, and private sectors.

For the last sixteen years, Mr. DiCara has conducted training programs for individuals who work in the credit union, banking, economic development, and community development fields. He has developed a number of partnerships with organizations that include several chapters of the Center for Financial Training (CFT) and state banking associations throughout the country. He is a faculty member of the Neighborhood Reinvestment Corporation and is also a co-creator and faculty member for the Credit Union National Association's (CUNA) Business Lending Certification Institute. Mr. DiCara's training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn. 

In addition to his experience as a financial trainer, Mr. DiCara is also a loan practitioner, who provides commercial loan officer services to the Greater Portland Council of Governments (GPCOG) and the Portland (ME.) Development Corporation (PDC). His specific responsibilities include loan underwriting, liaison to area financial institutions, and the structuring of complex financing packages that utilize multiple sources of funds from the private and public sectors.

Mr. DiCara is a graduate of Bowdoin College in Brunswick, Maine and received a Masters Degree in Public Administration from the University of Maine. A native of Boston, Massachusetts, he has been a resident of the State of Maine for more than forty years. 

Jeff Stone

Jeff received his undergraduate and masters degrees from San Diego State University. He joined the credit union movement six years ago after over 25 years in commercial banking-with the majority of the time spent at customer-friendly community banks-spending time in branch operations, branch lending, real estate lending and audit. After a megalopolis bank gobbled his bank up, Jeff spent two years heading up the successor bank's small business lending in San Diego. Jeff left the banking industry when megalopolis was bought out by super-megalopolis.

Jeff first joined North Island Financial Credit Union as a consultant performing a study of how a credit union could create a niche for itself in offering member business services-while operating under the limitations imposed by the NCUA's business lending regulation and later by HR 1151. During the last six years, NIFCU has concentrated on providing Commercial Real Estate Loans to its members. In late 2001, following a host system conversion, the credit union rolled out a full array of member business products, including lines of credit, term loans, analyzed checking, courier services, payroll, on-line access, equipment leasing, and merchant credit card services, among others-and we are happily growing the resulting core deposits. 

Dana Sumner

With  over 25 years as a commercial lender working for some of the largest banks in the country. Mr. Sumner brings a practical, hands on approach to commercial lending and senior management. In the capacity of Senior Commercial Lender, he had the opportunity to be involved in all aspects of commercial lending. In 2003, Dana started Development Finance Training and Consulting Inc. to offer commercial loan training and consulting services nationally. He has trained thousands of lenders across the country in the areas of portfolio management, risk management, ALLL management, credit analysis, loan underwriting, problem loan resolution, documentation, financial analysis and entrepreneurial assistance. Mr. Sumner has considerable experience working with NCUA and state regulatory bodies to turn credit unions around that have been placed in Special Actions, issued Cease and Desist orders and DOR compliance.

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AW10BLS13

May. 1, 2013 - May. 1, 2014 

Live Session

This is a recording of an event held April 1, 2013. View upcoming events.

Sessions

Only interested in a specific topic? Select individual sessions are available for $219-$438 each.

  • The Intrigue of Delivering Member Business Services 
  • Competitive Analysis: Building a Product Portfolio to Meet the Competition 
  • Member Business Lending - The Basics 
  • Member Business Services - The Possibilities & Pitfalls 
  • The Loan Department 
  • Making an Informed Credit Decision 
  • Financial Analysis 
  • Portfolio Review, Monitoring & Control 
  • Business Lending & Services Best Practices: Panel Discussion 
  • Developing a Program that Works for your Credit Union 

See a full list of upcoming events.

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AW10BLS13

May. 1, 2013 - May. 1, 2014 

CUNA recorded events allow you to see and hear a presentation and refer to handouts. Attendees also have access to the speaker contact information for asking questions. With topics spanning all credit unions' business areas, CUNA Training Bundle  provides unlimited access to all live and recorded CUNA webinars, eSchools and audio conferences for all staff, managers and board members.

Accessing Your Recorded Event

You need a computer with an Internet connection to participate.

Recorded events are available within 48 hours of the live event. Recorded events can be accessed by anyone at your credit union by logging into My Programs  using your CUNA website username and password.

Discounts

CUNA Council  members and CUNA Volunteer Network  members receive a $100 discount. Credit unions with less than $50 million in assets receive a $200 discount by applying promo code CUSMALL during checkout. Your final price will be visible at checkout. Only one discount applies.

100% Guarantee

CUNA is committed to providing a quality learning experience. If for some reason you are not fully satisfied, contact us  and we'll provide you a full tuition refund or credit.

Cancellations

Cancellations received in writing (via fax 608-231-4327) before May 1, 2013 are eligible for a refund of the amount paid minus a $200 administrative fee . No refunds will be granted for cancellation requests received on or after May 1, 2013 or for registrations received on or after May 1, 2013. Substitutions are accepted anytime prior to May 1, 2013 at no additional cost. Simply fax event and contact information, listing the new participant and who they will be replacing.

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AW10BLS13

May. 1, 2013 - May. 1, 2014 

After registration, recorded events can be accessed by anyone at your credit union by logging into My Programs using your CUNA website username and password. Recorded events are available within 48 hours of the live event.
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AW10BLS13

May. 1, 2013 - May. 1, 2014 

Here’s your chance to get your brand in front of more credit unions by sponsoring a CUNA eSchool!

To provide more credit union staff the opportunity to hear detailed information regarding their credit union duties, CUNA adapts many of its face-to-face schools into eSchools. Just like face-to-face classes, CUNA eSchools allow attendees to see and hear a presentation, ask questions of the speaker and refer to handouts. eSchools are delivered in three to ten classroom sessions, allowing attendees to integrate their new knowledge into their daily responsibilities.

What does an eSchool sponsorship include?

When you sponsor a CUNA eSchool, your organization will be showcased before and during the event.

Before the event:

  • Inclusion in the email invitations
  • On the website
  • In the marketing emails for the eSchool

During the live eSchool:

  • Promotional slides or video running in the "waiting room" as attendees enter
  • Your logo in a pod
  • A poll question at the end of each session with an opt-in to be contacted by the sponsor

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