Daily News

September 10, 2012

Membership Issues


Advanced Credit Analysis Workshop

This workshop will focus on the development and use of cash flow analysis in the risk assessment and structuring of commercial loans, including projected cash flows, to help ensure repayment. The skills developed in these sessions will also bring the bank into the current regulatory guidelines for commercial loan underwriting and workout credits.

We will explore the use of cash flow analysis in the risk assessment and structuring of commercial loans. Borrowing causes are discussed to allow the banker to understand the business activities that give rise to the need for cash. The most effective loan officers are able to serve as consultants to their customers. You can help your customers make better business decisions without entering into the risk of lender liabilities. This workshop will also cover projection of cash flows to answer the question; will you be able to pay the bank in the future?

Commercial loan officers, business bankers, credit analysts, loan underwriters, loan review analysts, credit support officers, credit administration, portfolio managers, branch managers and personal bankers will all benefit from this program.

The workshop will be delivered by David Kemp, president of Bankers Management, Inc. (BMI). Prior to forming BMI, he served as vice president, director of credit services for Canon Financial Institute in Athens, Georgia. Before joining Cannon, he was vice president of corporate finance with Citicorp. He has delivered credit and sales training to more than 30 banking associations and numerous financial institutions throughout the United States.

We will offer this course just once this year, on Tuesday and Wednesday, October 23 and 24 in Los Angeles at the Hyatt Regency Century Plaza. For more information and to register please visit the CBA website.

For questions on this or any other CBA program, please contact John Lingvall at 916/438-4428 or jlingvall@calbankers.com.

Capital Planning and the Future of Community Banking 

As we begin to see the end of our second banking crisis in the past 25 years, we await the final rules from Dodd-Frank and assess the implications of Basel III. One thing is clear, that the ability to attract, acquire and maintain adequate capital levels has never been as challenging as it is today.

We are clearly in an era of banking regulation that’s being called “dynamic capital supervision,” in which regulators are not just evaluating the current capital position of a bank, but also doing a forward-looking analysis. In order to stay ahead of the game, stress testing is now as critical a part of capital planning as it is to your loan portfolio management. During our workshop, we’ll not only show you tools to assess your current and future capital adequacy, but give you sample reports for your banks.

We will discuss the importance of Basel III for community bankers, as it will set the methodology worldwide for how banks calculate their risk weighted assets and capital ratios. In addition, we will have sessions on core and non-core funding, the future of bank stocks, raising capital as well as the ever changing world of mergers and acquisitions. Our expert speakers come from a variety of disciplines and include:

• Karl Nelson, president & CEO, KPN Consulting
• Robert Colvin, senior advisor financial institutions, First Principles Capital Management
• Steven Miller, managing director & chief risk officer, First Principles Capital Management
• Eric Nelson, EVP, KPN Consulting
• Kamal Mustafa, chairman & CEO, Invictus Consulting Group
• Adam Mustafa, managing director, Invictus Consulting Group
• Jeremy Colvin, vice president, Bank of New York Mellon
• Jeremy Smith, chief strategy officer, SecondMarket
• Peter Weinstock, partner, Hunton & Williams LLP
• Aaron Axton, managing director, Keefe, Bruyette & Woods, Inc.
• Don Griffith, chairman and chief executive officer, Grandpoint Bank
• Kaveh Varjavand, partner, Moss Adams LLP

Please join us for this very special event October 25 and 26, at the JW Marriott L.A. Live. For more information please visit the CBA website. For questions on this or any other CBA program, please contact Laurie Eaton at 916/438-4433 or leaton@calbankers.com.

2012 Chief Credit Officers Symposium: November 1-2, 2012 at The Clement in Monterey, CA

Registration and the preliminary agenda for the Chief Credit Officers Symposium are now available online, but act fast, early-bird pricing ends October 5. Designed for commercial credit managers, this conference focuses on issues of high importance on a local and regional basis. Topics of interest include stress testing and concentration guidelines, legislative updates, future implications of Dodd-Frank, economic forecasts, TDR workouts and case studies. This event is also an opportunity for peers to network and share challenges and successes they have observed during the past year. For registration and program information please visit our event page at www.calbankers.com/cco12.


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