CBA Pub 12 2023 Issue 4

2023 CBA Upcoming Events Detecting and Dealing with Problem Loans, Including Real Estate Virtual February 1-2 9:00 a.m. – 12:00 p.m. daily The shutdown of the U.S. and global economies during the Pandemic has had lasting repercussions, with some industries and borrowers not clearly back on solid footing. In addition to some lingering supply chain issues and continued labor shortages, now comes inflation of other nonemployment costs, plus higher interest rates and an expected economic recession. Prudent bankers will begin brushing up on how to detect and deal with problem loans. This two-part program provides an overview of four critical areas to understand now before problem borrowers and bankruptcies possibly escalate: 1. What are the early warning signals (EWS) that matter? Most EWS lists are lengthy itemizations of any and all adverse moves in any sort of balance sheet or income statement account and related ratios. How helpful is it to say that a revenue decrease is an EWS? Let’s get more specific. 2. Once the problem is evident, what are the next steps that the banker must consider? What are your options? For instance, what are the pros and cons of having the lender continue to manage things versus a problem loans specialist or even a generalist banker the handles any and all problem credits in the bank’s portfolio? 3. What are the basics (terminology and principles) of bankruptcy? Do you know what “preference items” are? A “341 hearing”? 4. How do lender liability lawsuits arise? How can you avoid them? Fundamentals of Commercial Lending Virtual February 23 7:30 a.m. – 3:00 p.m. Commercial banking can be intimidating because of its complexity and the riskoriented nature of the work. This course is a clear and thorough introduction to the key concepts, terminology, and processes involved in credit and lending. It doesn’t assume much prior knowledge of the topic, so it’s ideal for those in their first year in the industry. Learners will walk away with a clear understanding of their job and how their specific role fits into the bank’s overall profitability goals. Legislative Briefing Denver, CO March 1 9:00 a.m. – 1:00 p.m. Join CBA and fellow Colorado bankers as we begin our day visiting legislators at the state Capitol building. From there, we will travel to the History Colorado Center for a banker briefing on the current legislative session, the economy and the banking industry as a whole. After our briefing, legislators will join us for lunch to focus on building relationships. BSA/AML Conference Virtual April 12-13 9:00 a.m. – 12:00 p.m. daily It is critical to stay up to date on the requirements of BSA/AML. It can be overwhelming to stay abreast of BSA compliance and suspicious activity. This training provides tools and updates for staff to feel more confident in identifying risks and potential violations at their bank. We are providing a full agenda with topics relevant to issues on BSA/AML: • Compliance: The Impact of Remote Workers • AMLA The Culture of Compliance • Preparing for AMLA: Getting Your Bank Ready for the Anti-Money Laundering Act of 2020 • Q&A with Regulatory Agencies Women in Banking Colorado Springs, CO May 15-16 The Women in Banking Conference at The Broadmoor is a moment to recharge and recommit to goals and to make a positive impact on our industry. We have an exciting conference agenda packed with interactive sessions, and opportunities to network and make meaningful connections. Our time will be filled with learning and some laughter. Please join us at The Broadmoor. 2023 Banker Summit Tucson, AZ May 31 – June 3 Join Colorado and Arizona Bankers Association as we collaborate for our third annual Banker Summit at the Ritz Carlton Dove Mountain in Marana, Arizona. Scan the QR code to find out more about upcoming events, register online and purchase tickets. https://www.coloradobankers.org/events/ event_list.asp www.coloradobankers.org 12

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