Avsnitt
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Lending and Credit have a different outlook on risk. Sometimes it seems like a battle. And yet, both groups need a volume of performing loans to carry the day.
Today we'll look at how risk appetite, usually a purview of the Board of Directors and Management, impacts the loan originators as well. And how they can work together to help each other get everyone to the finish line.
Resources:
Synergy Credit Union Consulting: https://syncuc.com
Synergy Bank Consulting: https://synbc.com
YouTube: https://www.youtube.com/channel/UC_dkqDh0BVb2aWXZi7DQ0xQ
Linkedin: www.linkedin.com/in/ancincooley
Interagency Credit Risk Review Guidance:
https://www.federalregister.gov/documents/2020/06/01/2020-10292/interagency-guidance-on-credit-risk-review-systemsAbout Ancin Cooley:
Ancin Cooley is certified and certifiable. He is a CIA (Certified Internal Auditor), CISA (Certified Information Systems Auditor) and is the founder and principal of Synergy Credit Union Consulting, Inc., and Synergy Bank Consulting, Inc. Synergy provides a suite of risk management services to financial institutions, which include loan reviews, information technology audits, internal audits, directors' exams, and regulatory compliance reviews.
He comes by that knowledge from a wealth of experience. Prior to founding the firm, he worked as an OCC examiner working with banks from $100 million to $8 billion dollars in total assets. And he worked for a regional accounting with a focus on internal audits, loan and pre-regulatory examiner reviews.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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Loan review is always an important risk management function. Some would say it becomes more important in turbulent times. I would say that good loan review practices even when we are on easy street, set the stage for successfully weathering the turbulence. Today we will focus on the loan review function, and how the pandemic might, or might not, impact it.
Resources:
Synergy Credit Union Consulting: https://syncuc.com
Synergy Bank Consulting: https://synbc.com
YouTube: https://www.youtube.com/channel/UC_dkqDh0BVb2aWXZi7DQ0xQ
Linkedin: www.linkedin.com/in/ancincooley
Interagency Credit Risk Review Guidance:
https://www.federalregister.gov/documents/2020/06/01/2020-10292/interagency-guidance-on-credit-risk-review-systemsAbout Ancin Cooley:
Ancin Cooley is certified and certifiable. He is a CIA (Certified Internal Auditor), CISA (Certified Information Systems Auditor) and is the founder and principal of Synergy Credit Union Consulting, Inc., and Synergy Bank Consulting, Inc. Synergy provides a suite of risk management services to financial institutions, which include loan reviews, information technology audits, internal audits, directors' exams, and regulatory compliance reviews.
He comes by that knowledge from a wealth of experience. Prior to founding the firm, he worked as an OCC examiner working with banks from $100 million to $8 billion dollars in total assets. And he worked for a regional accounting with a focus on internal audits, loan and pre-regulatory examiner reviews.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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Saknas det avsnitt?
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How are the regulators approaching examinations with 2020 in the rear-view mirror? Is it the same or different than past examinations? And how will it change as we start into a recovery? We cover why you need to:
Create criteria for pandemic-related modifications and show they are followed
Document current conditions and the basis for deciding the problem is short-term
Show the regulators how the sausage is made in loan decision-making
Resources:
Synergy Credit Union Consulting: https://syncuc.com
Synergy Bank Consulting: https://synbc.com
YouTube: https://www.youtube.com/channel/UC_dkqDh0BVb2aWXZi7DQ0xQ
Linkedin: www.linkedin.com/in/ancincooley
Interagency Credit Risk Review Guidance:
https://www.federalregister.gov/documents/2020/06/01/2020-10292/interagency-guidance-on-credit-risk-review-systemsAbout Ancin Cooley:
Ancin Cooley is certified and certifiable. He is a CIA (Certified Internal Auditor), CISA (Certified Information Systems Auditor) and is the founder and principal of Synergy Credit Union Consulting, Inc., and Synergy Bank Consulting, Inc. Synergy provides a suite of risk management services to financial institutions, which include loan reviews, information technology audits, internal audits, directors' exams, and regulatory compliance reviews.
He comes by that knowledge from a wealth of experience. Prior to founding the firm, he worked as an OCC examiner working with banks from $100 million to $8 billion dollars in total assets. And he worked for a regional accounting with a focus on internal audits, loan and pre-regulatory examiner reviews.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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You need to:
reach out to your borrowers, in tough times and in triumph.
present your ideas to your mentor lender, or the loan committee, in a way that accomplishes your goals and advances your career.
connect with a prospective borrower and pull them in to your client base.
Many people find those situations challenging and uncomfortable. In this episode, Allison Shapira, will move you into your comfort zone when using the virtual format to have a challenging conversation.
Resources:
YouTube:
Allison ShapiraBook:
Speak with Impact: How to Command the Room and Influence OthersWebsites:
www.allisonshapira.com
www.globalpublicspeaking.com
About Allison Shapira:
Allison Shapira is a former opera singer turned entrepreneur, keynote speaker, and expert in public speaking. She is the Founder/CEO of Global Public Speaking LLC, a communication training firm and certified woman-owned small business that helps people speak clearly, concisely, and confidently - both virtually and in person.
She teaches public speaking at the Harvard Kennedy School and has spent nearly 18 years developing leadership communication programs for Fortune 50 companies, government agencies, and non-profit organizations around the world.
She also travels around the world with the nonprofit Vital Voices Global Partnership, teaching leadership communication to help women leaders grow their business, run for office, or launch a nonprofit.
Allison is a Certified Virtual Presenter and a Certified Speaking Professional (CSP). She holds a master’s degree in public administration from the Harvard Kennedy School and is an internationally-renowned singer/songwriter who uses music as a way to help others find their voice and their courage to speak.
Allison is the author of Speak with Impact: How to Command the Room and Influence Others (HarperCollins Leadership) which was a Washington Post best-seller. She has spoken at the Fortune Most Powerful Women Next Gen Summit, the Most Powerful Women in Banking LEAD Conference, and was a finalist for 2017 Woman Business Owner of the Year by the National Association of Women Business Owners, San Diego Chapter. She lives in Washington, DC.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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Success in business is dependent on success in sales and marketing. In this episode we will tackle three key strategies successful businesses employ.
If you lend to businesses or business owners, understanding these keys to success will lead to more helpful relationship-building conversations and an improved ability to assess the likelihood of their continued success.
Bonus, you can use these ideas in your sales activities, as well.
Resources:
Winners take the Inside Track. Here's the Intel you need to join them...
The Business Trend Report for 2021Podcast:
Profit From the Inside: Straight Talk on Business and Profits With Insiders in the KnowAbout Joel Block:
Joel’s a futurist and longtime venture capitalist/hedge fund manager (gobbledygook for professional
investor) who lives in a Shark Tank world like on TV. Since selling his publishing company to a Fortune
500 company, Joel’s cage-rattling keynotes expose Wall Street insights and the inside track on high-
velocity innovation, empowering business executives and their teams to “Disrupt Their Competitors’
Future.”
Savvy industry leaders come to Joel for the high-impact advisory services that drive our disruption-
resistant success strategies. His unique approach to innovative business model development helps
structure, implement, and enable sustained results.www.JoelBlock.com
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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As we get 'back to work', expectations for polish and impact in virtual meetings will go up. The casual, lowered expectations during the recession will be replaced by an assumption that you are back in a completely professional mode.
You need to reach out to your borrowers, in tough times and in triumph.
You need to present your ideas to your mentor lender, or the loan committee, in a way that accomplishes your goals and advances your career.
You need to connect with a prospective borrower and pull them in to your client base.
In this episode, Allison Shapira, will move you back into your most professional comfort zone when using the virtual format to make your point or make your case.
Resources:
YouTube video:
Five steps to prepare for virtual meetings and presentations
Book:
Speak with Impact: How to Command the Room and Influence Others
Websites:
www.allisonshapira.com
www.globalpublicspeaking.com
About Allison Shapira:
Allison Shapira is a former opera singer turned entrepreneur, keynote speaker, and expert in public speaking. She is the Founder/CEO of Global Public Speaking LLC, a communication training firm and certified woman-owned small business that helps people speak clearly, concisely, and confidently - both virtually and in person.
She teaches public speaking at the Harvard Kennedy School and has spent nearly 18 years developing leadership communication programs for Fortune 50 companies, government agencies, and non-profit organizations around the world.
She also travels around the world with the nonprofit Vital Voices Global Partnership, teaching leadership communication to help women leaders grow their business, run for office, or launch a nonprofit.
Allison is a Certified Virtual Presenter and a Certified Speaking Professional (CSP). She holds a master’s degree in public administration from the Harvard Kennedy School and is an internationally-renowned singer/songwriter who uses music as a way to help others find their voice and their courage to speak.
Allison is the author of Speak with Impact: How to Command the Room and Influence Others (HarperCollins Leadership) which was a Washington Post best-seller. She has spoken at the Fortune Most Powerful Women Next Gen Summit, the Most Powerful Women in Banking LEAD Conference, and was a finalist for 2017 Woman Business Owner of the Year by the National Association of Women Business Owners, San Diego Chapter. She lives in Washington, DC.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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The economy is in freefall, or chugging right along, or recovering...depending on who you listen to, who you are and what business you are in. Perhaps today's news headlines have your stomach in knots. In this episode, we'll focus on how to decide what indicators should be in your snapshot to keep you centered on your borrower's needs.
Resources:
Book: Who Comes Next? Leadership Succession Planning Made Easy
Website:
www.ProductiveLeaders.com/2021SuccessAbout Mary C. Kelly:
From her days as a naval intelligence officer to her role as one of today’s most influential economists, Commander/Dr. Mary C. Kelly has carved out an unforgettable career in leadership. Former chief of police, professor, realtor and HR Director – Mary has spent over 25 years teaching and training more than 40,000 military and civilian personnel.
Mary is the author of 13 books on business growth, leadership, and today’s economy. She is a speaker, coach and trainer who has worked with hundreds of organizations and companies across the globe.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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As we emerge from the Global Pandemic Recession, the Board and Management have critical indicators to watch closely. Some of them are the usual, some of them are specific to recovery from a recession. Some of them will worry the regulators.
In this episode, we'll discuss what to keep an eye on as we emerge from the recession.
Resources:
Book: A Credit Union Guide to Strategic Governance:
https://forteamresources.com/products/books/Book: Eisenhower on Enlighted Leadership:
https://forteamresources.com/products/books/Blog: https://forteamresources.com/tims-blog/
Lenders’ Tax Analyzer Software:
https://forteamresources.com/products/lenders-tax-analyzer/About Tim Harrington:
Author, consultant and international speaker, Tim Harrington has worked with credit unions in all 50 states, Canada, Mexico, Jamaica, the Dominican Republic, The US Virgin Islands and Puerto Rico. His progressive ideas and broad knowledge of credit union issues has made Tim a valuable resource for credit unions nationwide. Tim has spoken to tens of thousands of credit union volunteers and staff and continues to inspire them to improve their credit unions.
Since 1996, Tim has been President of TEAM Resources, a firm providing consulting, strategic planning, and training to credit unions from coast-to-coast. TEAM Resources’ clients range from a few million to the billions in assets.
Tim is the author of several books including Eisenhower on Enlightened Leadership and co-author of A Credit Union Guide to Strategic Governance. His books inspire boards and leadership teams to lead effectively with high integrity.
From 2001 to 2006, Tim was the chairman of the board of a $150 million credit union in Tucson, Arizona. He was appointed to the board of this troubled credit union in 2001 and served until 2006. During his tenure on the board the credit union evolved from losing over $2 million per year to earning a profit of nearly $2 million by 2006.
Tim was formerly a partner with the nation’s 3rd largest auditor of credit unions, known today as CliftonLarsonAllen. He has been working with credit unions since 1989 when he directed the internal audit of a large credit union in Tucson, Arizona. Prior to that, he was with a national accounting firm and has been practicing accounting and consulting since 1980.
Because of his knowledge, wit and unpretentious delivery, Tim is a much sought after speaker in the credit union movement. Tim has made presentations at conferences for CEOs, Directors, Supervisory Committees, lenders, marketers, and many more. Tim is on the faculty of the CUNA Finance for Non-Financial Managers and Volunteers School, CUNA Volunteer Certification School and CUNA Management School.
Tucson, Arizona has been home for Tim since 1980, but he is a native of Montana. He holds a BBA in Accounting from Gonzaga University in Spokane, Washington. He has also attended universities in Morelia, Michoacan, Mexico and Florence, Italy and speaks several languages.
Contact Information
Timothy Harrington, CPA
President, TEAM ResourcesPhone: 520-290-5721 Cell: 520-906-7501 Fax: 520-290-8378,
Address: 7049 Tanque Verde, PMB 136 Tucson, AZ 85715
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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Learn what our most successful business clients are (or should be) considering now to solidify their successful transition ...or to recover ... from the challenges of the pandemic recession.
We focus on what our guest calls 'invisible capital', how we think about, innovate and align our business. Here are the three we have time for today:
Consider (and reward) contrarian thinking
Test your ideas in the marketplace to get feedback
Specialize, and then partner with others who specialize in other areas
Resources:
Winners take the Inside Track. Here's the Intel you need to join them...
The Business Trend Report for 2021Podcast:
Profit From the Inside: Straight Talk on Business and Profits With Insiders in the KnowAbout Joel Block:
Joel’s a futurist and longtime venture capitalist/hedge fund manager (gobbledygook for professional
investor) who lives in a Shark Tank world like on TV. Since selling his publishing company to a Fortune
500 company, Joel’s cage-rattling keynotes expose Wall Street insights and the inside track on high-
velocity innovation, empowering business executives and their teams to “Disrupt Their Competitors’
Future.”
Savvy industry leaders come to Joel for the high-impact advisory services that drive our disruption-
resistant success strategies. His unique approach to innovative business model development helps
structure, implement, and enable sustained results.www.JoelBlock.com
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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How does the lender recognize that a business is (or should be) in leadership succession mode? How long before the owner plans to exit should they start this process? What are the steps? How has the pandemic recession upended their plans?
Resources:
Book: Who Comes Next? Leadership Succession Planning Made Easy
Website:
www.ProductiveLeaders.com/2021SuccessAbout Mary C. Kelly:
From her days as a naval intelligence officer to her role as one of today’s most influential economists, Commander/Dr. Mary C. Kelly has carved out an unforgettable career in leadership. Former chief of police, professor, realtor and HR Director – Mary has spent over 25 years teaching and training more than 40,000 military and civilian personnel.
Mary is the author of 13 books on business growth, leadership, and today’s economy. She is a speaker, coach and trainer who has worked with hundreds of organizations and companies across the globe.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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Risk appetite is a responsibility of both the Board of Directors and of Management. How exactly does it get decided, defined and communicated? How do Directors and Management insure they are in sync? And how do they decide it is time to intelligently adjust the 'diet'?
Resources:
Book: A Credit Union Guide to Strategic Governance:
https://forteamresources.com/products/books/Book: Eisenhower on Enlighted Leadership:
https://forteamresources.com/products/books/Blog: https://forteamresources.com/tims-blog/
Lenders’ Tax Analyzer Software:
https://forteamresources.com/products/lenders-tax-analyzer/About Tim Harrington:
Author, consultant and international speaker, Tim Harrington has worked with credit unions in all 50 states, Canada, Mexico, Jamaica, the Dominican Republic, The US Virgin Islands and Puerto Rico. His progressive ideas and broad knowledge of credit union issues has made Tim a valuable resource for credit unions nationwide. Tim has spoken to tens of thousands of credit union volunteers and staff and continues to inspire them to improve their credit unions.
Since 1996, Tim has been President of TEAM Resources, a firm providing consulting, strategic planning, and training to credit unions from coast-to-coast. TEAM Resources’ clients range from a few million to the billions in assets.
Tim is the author of several books including Eisenhower on Enlightened Leadership and co-author of A Credit Union Guide to Strategic Governance. His books inspire boards and leadership teams to lead effectively with high integrity.
From 2001 to 2006, Tim was the chairman of the board of a $150 million credit union in Tucson, Arizona. He was appointed to the board of this troubled credit union in 2001 and served until 2006. During his tenure on the board the credit union evolved from losing over $2 million per year to earning a profit of nearly $2 million by 2006.
Tim was formerly a partner with the nation’s 3rd largest auditor of credit unions, known today as CliftonLarsonAllen. He has been working with credit unions since 1989 when he directed the internal audit of a large credit union in Tucson, Arizona. Prior to that, he was with a national accounting firm and has been practicing accounting and consulting since 1980.
Because of his knowledge, wit and unpretentious delivery, Tim is a much sought after speaker in the credit union movement. Tim has made presentations at conferences for CEOs, Directors, Supervisory Committees, lenders, marketers, and many more. Tim is on the faculty of the CUNA Finance for Non-Financial Managers and Volunteers School, CUNA Volunteer Certification School and CUNA Management School.
Tucson, Arizona has been home for Tim since 1980, but he is a native of Montana. He holds a BBA in Accounting from Gonzaga University in Spokane, Washington. He has also attended universities in Morelia, Michoacan, Mexico and Florence, Italy and speaks several languages.
Contact Information
Timothy Harrington, CPA
President, TEAM ResourcesPhone: 520-290-5721 Cell: 520-906-7501 Fax: 520-290-8378,
Address: 7049 Tanque Verde, PMB 136 Tucson, AZ 85715
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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In this episode, we are going to learn what our most successful business clients are (or should be) considering now to solidify their successful transition — or to recover — from the challenges of the pandemic recession. We'll provide you the Key Strategy Questions that will unlock the insights to 'getting it right' in this ever-changing and increasingly complex business environment.
Resources:
Winners take the Inside Track. Here's the Intel you need to join them...
The Business Trend Report for 2021Podcast:
Profit From the Inside: Straight Talk on Business and Profits With Insiders in the KnowAbout Joel Block:
Joel’s a futurist and longtime venture capitalist/hedge fund manager (gobbledygook for professional
investor) who lives in a Shark Tank world like on TV. Since selling his publishing company to a Fortune
500 company, Joel’s cage-rattling keynotes expose Wall Street insights and the inside track on high-
velocity innovation, empowering business executives and their teams to “Disrupt Their Competitors’
Future.”
Savvy industry leaders come to Joel for the high-impact advisory services that drive our disruption-
resistant success strategies. His unique approach to innovative business model development helps
structure, implement, and enable sustained results.www.JoelBlock.com
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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In this episode, we will help you identify a borrower in crisis. Do they know they are in crisis? What stage are they in? Where are they stuck? How can you help them get unstuck?
You can use this diagnostic approach for loan prospects as well. And if a prospect is stuck in Stage 1 or 2, perhaps this is not the best time to bring them into your bank or credit union.
Resources:
Book:
Five Minutes Per Week: 52 Weeks to a Better BusinessWebsite:
www.ProductiveLeaders.com/2021SuccessAbout Mary C. Kelly:
From her days as a naval intelligence officer to her role as one of today’s most influential economists, Commander/Dr. Mary C. Kelly has carved out an unforgettable career in leadership. Former chief of police, professor, realtor and HR Director – Mary has spent over 25 years teaching and training more than 40,000 military and civilian personnel.
Mary is the author of 13 books on business growth, leadership, and today’s economy. She is a speaker, coach and trainer who has worked with hundreds of organizations and companies across the globe.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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What are (or should) our most successful business clients be considering now to solidify their successful transition ...or to recover ... from the challenges of the pandemic recession. In this episode, we provide you three Key Strategy Questions that will unlock insights to 'getting it right' when it comes to financial opportunities in this recession.
Use these questions in your conversations with your business borrowers and prospects to understand their plans as they are moving forward and, perhaps, to help them by giving them food for thought.
Resources:
Winners take the Inside Track. Here's the Intel you need to join them...
The Business Trend Report for 2021Podcast:
Profit From the Inside: Straight Talk on Business and Profits With Insiders in the KnowAbout Joel Block:
Joel’s a futurist and longtime venture capitalist/hedge fund manager (gobbledygook for professional
investor) who lives in a Shark Tank world like on TV. Since selling his publishing company to a Fortune
500 company, Joel’s cage-rattling keynotes expose Wall Street insights and the inside track on high-
velocity innovation, empowering business executives and their teams to “Disrupt Their Competitors’
Future.”
Savvy industry leaders come to Joel for the high-impact advisory services that drive our disruption-
resistant success strategies. His unique approach to innovative business model development helps
structure, implement, and enable sustained results.www.JoelBlock.com
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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Every recession has it's own signature challenges. And in every recession, some business and, some banks, come out even stronger than they went in. Others recover more quickly. The difference, often, is the mindset of the people responsible for growth and development. And in a community financial institution, that is everyone in the lending and credit department.
In this episode, we will focus on a strategy that works for you in reaching out to your clients and prospects and growing your loan portfolio, even in THIS recession. You may know of prospects who were so happy with their financial institution you thought you would never have a chance? Well, now you do.
Resources:
FREE Tools & Resources for Your Business in Times of Crisis:
https://meridithelliottpowell.com/emerge-successful/About Meridith Elliott Powell:
Meridith Elliott Powell is a former banking executive who earned her way into the C-Suite. She has done it all from cashing the checks to making the loans to writing the corporate strategy. Her current focus is on helping business and banking professionals stop viewing uncertainty as something that prevents them from being successful.
She is the author of four books, including Winning In The Trust & Value Economy and her latest “Own It: Redefining Responsibility – Stories of Power, Freedom & Purpose. A Certified Speaking Professional, she speaks for banking associations and works directly with banks and credit unions.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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In this episode, we key in on what we are calling the 'pandemic credit conversation'. This is the time to step forward and call your borrowers. But what do you say? How do you start the conversation without seeming callous, given that they (and you) may have personal setbacks from the Coronavirus or the economic fallout? Learn how to shift to service-focus for a better outcome for your customer and for you.
Resources:
FREE Tools & Resources for Your Business in Times of Crisis:
https://meridithelliottpowell.com/emerge-successful/About Meridith Elliott Powell:
Meridith Elliott Powell is a former banking executive who earned her way into the C-Suite. She has done it all from cashing the checks to making the loans to writing the corporate strategy. Her current focus is on helping business and banking professionals stop viewing uncertainty as something that prevents them from being successful.
She is the author of four books, including Winning In The Trust & Value Economy and her latest “Own It: Redefining Responsibility – Stories of Power, Freedom & Purpose. A Certified Speaking Professional, she speaks for banking associations and works directly with banks and credit unions.
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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No one wants to give up on a borrower. These folks fully intended to repay their debt. They are grieving the loss of their business and, in their minds, perhaps the loss of their dignity. And yet, sometimes, it is in the best interest of the bank...and truly also in the best interest of the borrower...that we unwind the lending relationship.
Resources:
LinkedIn:
https://www.linkedin.com/in/michael-wear-crc-853b9828/Commercial Lending Alternative Financing pdf:
https://lindakeithcpa.com/wp-content/uploads/2020/10/Credit-Risk-Ready-Michael-Wear-Alternative-Financing.pdfAbout Michael Wear:
Mike Wear is owner of 39 Acres Corporation, specializing in banker training and bank consulting services in credit risk underwriting and loan portfolio risk management. Less lecture—real business cases—more hands-on practice and more fun!
Over his 41-year banking career, he previously served in commercial lending and senior credit management positions with Omaha-area community banks. Wear retired as a Senior Analyst in the Credit Risk Administration department of First National Bank of Omaha, a $23 billion community bank, specializing in underwriting larger ($10-100M) commercial real estate loans throughout the country. In addition, he developed curriculum and conducted multi-tier training programs in credit analytics on an enterprise-wide basis.
He is the Loan Portfolio Management Section Leader and serves as a member of the faculty at the Graduate School of Banking at the University of Wisconsin in Madison, as well as GSB’s Sales & Marketing School and IT Management School. He is a former adjunct professor for the University of Nebraska-Omaha. He has authored articles for banking publications and has served as a textbook editor/reviewer for the American Bankers Association.
Mike is now expanding his advanced commercial and CRE lending workshops and teaches for several State Banking Associations. Bank consulting offerings include customized credit analytics, effective prospecting, and loan portfolio risk management strategies and tools to identify risk in the Pass-rated portfolio.
Contact Information:
[email protected] or [email protected]
402-871-9067
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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In this episode, we focus on banking and lending to women entrepreneurs. We will shatter three myths which are getting in the way of your success in benefiting, and benefiting from, women who own their own business. Understand the assumptions you may be making and how to overcome them.
Resources:
Websites: KBKWealthConnection.com (advisor-facing) BreakingMoneySilence.com (consumer-facing) Podcast: podcast.breakingmoneysilence.comBreaking Money Silence Learning Lab Negotiation Course
Coupon Code 10% off: Negotiate10
This course, designed by Kathleen Burns Kingsbury, makes a great client gift. Show your women entrepreneurial clients that you care and want to help them talking more openly about money and negotiate more effectively by giving them the gift of learning about their money psychology. For listeners of this podcast, just enter “Negotiate10” to receive 10% off the course.
Carlton University Research Paper on Women Entrepreneurs and Risk
About Kathleen Burns Kingsbury:
A wealth psychology expert, founder of KBK Wealth Connection, host of the Breaking Money Silence podcast, and an internationally published author and speaker. Breaking Money Silence: How to Shatter Money Taboos, Talk Openly about Finances, and Live a Richer Life is Kathleen’s fifth book. Named one of nine amazing conference speakers in 2017 by Investment News, Kathleen is a sought-after keynote speaker and consultant on the topic of women and wealth and couples and money. Her mission is to empower women, couples, and families (and the advisors who serve them) to shatter money taboos and communicate more effectively about financial matters. As an expert on financial psychology, Kathleen has appeared on television and written for consumer and trade publications. Her work has been featured in The New York Times, The Wall Street Journal, PBS News Hour, Money Magazine, TODAY Money, Forbes, and CNBC. Kathleen is an adjunct lecturer at the McCallum Graduate School of Business at Bentley University and a guest lecturer at the Personal Financial Planning program at Texas Tech University. She received an Undergraduate Degree in Finance from Providence College and started her career in retail banking before becoming a commissioned Bank Examiner with the FDIC. Due to her desire to coach executive management on improving performance, she attained a Master’s Degree in Psychology, became a Certified Professional Co-Active Coach, and founded her consulting firm, KBK Wealth Connection. When she is not working, Kathleen is an avid alpine skier who lives for the next powder day. In the off-season, she enjoys mountain biking, kayaking, and laughing with her friends. She lives with her husband and her cat Avery, in the Mad River Valley of Vermont.Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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In this episode, Kevin Smith of Team Resources walks us through the steps a Director must take to step up to their duty of care. The risk profile may be changing rapidly.
As a Director, you may have a need for more information that is digestible and tailored to your needs, and you may need to include information from outside your normal channels. Learn the three questions you should be asking your CEO right now and why, in this environment, no question is a 'rookie' question.
Resources:
The TEAM Resources Guide to Strategic Governance
Governance as Leadership: Reframing the Work of Nonprofit Boards
TEAM Resources Blog
CAMELS for Directors: How to Use CAMELS for Decision-making
10 Critical Elements of a Board’s Role in Crisis Management
About Kevin Smith:
Kevin Smith is a Consultant and Publisher with TEAM Resources. He brings extensive experience in training, designing, and implementing professional development resources to nourish the growth of leaders within the credit union industry. Kevin facilitates strategic planning processes, teaches Strategic Governance to Boards of Directors, and oversees the TEAM Resources board self-evaluation programs with credit unions nationwide.
Kevin is co-author of A Credit Union Guide to Strategic Governance. This essential book helps Governance teams become as effective as possible. He also writes the monthly TEAM Resources blog that is read by thousands nationally. The monthly blog shares guidance on board topics such as governance, strategy, and issues related to the supervisory committee.
Previously, Kevin spent 10 years at the Credit Union National Association (CUNA), in the Center for Professional Development as Director of Volunteer Education. In that role, Kevin developed and oversaw programs for credit union executives, boards, and volunteers. This included conferences and training events, webinars, print programs, and online courses, among others. During his tenure at CUNA, he created and brought several new programs to the credit union movement. One of these is the CUNA Volunteer Certification Program, an intensive, competency-based program for boards and supervisory committees, offered as a five-day onsite event or as a self-study program, both involving rigorous testing for completion. He also created the CUNA Training On Demand series of downloadable training courses, and the CUNA Pressing Economic Issues series featuring the CUNA economists.
Behind the scenes, Kevin was involved with a team of CUNA leaders focused on creating a culture of innovation within the trade association, and working toward keeping the organization forward-thinking, to create new and better programs for its membership. This included participation in an IDEO design program.
Before joining CUNA, Kevin spent several years teaching at the University of Wisconsin-Whitewater.
He holds a Master’s degree from DePaul University, Chicago, and a Bachelor’s degree from Miami University, Oxford, OH.
Contact information: [email protected] 608-217-0556
LinkedIn: linkedin.com/in/kevin-smith-8a52798
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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Why and when do we have to talk about race? Why might we want to? Why is it so hard?
Listen in on a conversation between two friends, Justin who is black and Linda who is white, about why it is so hard to talk about race and how to do it anyway.
Resources:
workmeaningful.com
7 Mini-Episode Everyday Diversity Series:
https://www.youtube.com/playlist?list=PL9h5x9BCeJ0mBvbN-eOXCvJWIVbu2nf_GFree Implicit Bias Test:
https://implicit.harvard.edu/implicit/takeatest.htmlBooks to consider:
So You Want to Talk about Race by Ijeoma Olua:
https://www.amazon.com/You-Want-Talk-About-Race/dp/1580058825/ref=sr_1_3?dchild=1&keywords=can+we+talk+about+race&qid=1599683600&sr=8-3Talking to Strangers by Malcolm Gladwell:
https://www.amazon.com/Talking-Strangers-Should-about-People/dp/0316478520/ref=tmm_hrd_swatch_0?_encoding=UTF8&qid=1599683765&sr=8-1COMING MARCH 2021
The Inclusive Mindset: How to Cultivate Diversity in Your Everyday Life by Justin Jones-FosuAbout Justin Jones-Fosu:
Justin Jones-Fosu, MBA, CSP is a full-time family man who also happens to be a highly sought-after business speaker, social entrepreneur, and meaningful work researcher. He is the founder and CEO of Work. Meaningful. Where he combines over a decade of leadership in Fortune 500 companies, his real-life experience, and research to help global organizations create new rhythms of sustainable excellence, profitability, and engagement. Speaking over 60 times a year, Justin speaks and leads workshops and training with companies, organizations, and associations in the US and internationally on meaningful work and workplace engagement.
He is passionate about helping organizations and individuals take ownership of their mindset, purpose, and performance to achieve amazing results. His latest book "Your WHY Matters NOW: How Some Achieve More and Others Don't" challenges the reader to merge their purpose and productivity to get more out of work and life. He is all about turning events into memorable and action-oriented experiences with his humorous and engaging delivery as well as with his research-based content!
Find out more about Linda Keith at:
www.LindaKeithCPA.com
www.LendersOnlineTraining.com
LinkedIn: https://www.linkedin.com/in/lindakeith/
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