Webinars

CU Business Group can help your credit union offer a complete package of business services.  We tailor our services to meet the individual needs of your credit union, ensuring you target the right niches within your credit union’s strategic goals.  This course will explain how we work with credit unions, specifically covering:

• The business lending process and shared responsibilities
• Services available for advanced business programs
• CUBG Membership vs. Affiliate status
• Our pricing to credit unions

Course dates and times

As your MBL portfolio grows, risk monitoring becomes labor-intensive and costly. CU Business Group's Portfolio Risk Manager helps you foresee potential issues with your member business loans before they become problems. The Portfolio Risk Manager is an automated system that provides a risk monitoring snapshot of every loan in your portfolio. You can:

• See how your business members are paying other creditors
• Identify negative payment and financial trends in your MBL portfolio
• Categorize your MBL portfolio into risk categories - highest risk to lowest
• Produce portfolio summary reports and drill-down into loan details quickly and easily

Course dates and times

Participation loans are an effective tool to manage risk and increase return for your credit union.  Participations are also effective tools for managing liquidity and regulatory caps.  CU Business Group's The Basics of Buying and Selling is designed to provide credit unions with a clear picture of the entire process when using CUBG’s participation network.  Some of the topics covered in this course include:

• Overview of CUBG’s participation program
• Network parameters
• The mechanics of a participation (buyer and seller perspectives)
• Accounting for participations
• Typical timing and other transaction requirements

Course dates and times

This new webinar gives your lending and field staff an in-depth look at the CUBG underwriting process. During the webinar we'll clarify the process and discuss how you can make the approval process even quicker for your members. After this webinar you will:

• Have a better understanding of the different underwriting services available to you
• Thoroughly understand what make up a complete loan package
• Have fewer info follow up requests
• Be more efficient at handling your members' loan requests

Course dates and times

CU Business Group has an extensive catalog of services to help your credit union offer a complete package of business services to your members. Join us for this informational webinar as we briefly explore each of these products and services, their features, benefits and pricing information. Learn about these services and more:

• Loan Underwriting
• Documentation
• Risk Monitoring
• Loan Servicing
• Portfolio Management

Course dates and times

Electronic payments are far outpacing checks as the most widely used form of payment.  CU Business Group and its strategic partner for merchant cards, Total Merchant Concepts, will educate your credit union on the basics of merchant card services.  Some of the topics covered in this course include:

• How a credit union should run a merchant card program
• Attributes of an excellent third party service provider
• The merchant card transaction flow, and how it impacts your credit union
• Types of transactions and the related costs/revenues
• What kind of benefits your credit union can expect from a successful merchant card program

Course dates and times

CU Business Group's Business Deposits 101 addresses the critical knowledge needed to open new accounts for all kinds of businesses.  This is the starting point for controlling depository risk and ensuring compliance.  Some of the topics covered in this course include:

• Definitions of the many types of business entities
• Requirements when opening new accounts for businesses
• A definition of TINs, EINs, DBAs, and what you need for each situation
• Deposit risk management
• The right questions to ask

Course dates and times

In CU Business Group's Business Deposits 101 you heard that managing deposit risk is just as important as managing credit risk.  This session will review important questions to ask when opening a business deposit account as well as provide resources for verifying your business members’ information.  Some of the topics covered in this course include:

• Sources for research before the interview
• Interview points designed to detect fraud
• Red flags that point out potential fraud
• Sample fraudulent documents

Course dates and times

CU Business Group's Business Lending 101 focuses on the information needed to pull together a complete loan package. Participants will learn how to take a loan application, gather appropriate documents from the borrower, and review key financial data to better understand the borrower's financial situation. Specific areas covered include:

• The application checklist
• The loan application
• Personal financial statements
• Tax returns and business financial statements
• The right questions to ask

Course dates and times

CU Business Group's Closing Loan Documents will familiarize your staff with the documents needed to close a member business loan.  Participants will learn the specific uses of each form, the general closing process and the information included in the closing package.   The webinar will cover various loan documents normally used in a member business loan package such as:

• Promissory Note
• Commercial Loan Agreement
• Guaranty
• Deed of Trust/Mortgage
• Security Agreement
• UCC Financial Statement

Course dates and times

SBA lending fills an excellent niche and is a logical fit for credit unions.  But there are both myths and realities when it comes to this specialized program.  CU Business Group's Basics of SBA Lending is designed to provide credit unions with a clear picture of what it takes to run a successful SBA program.  Some of the topics covered in this course include:

• The basics of SBA lending
• Types of SBA loans and how they differ from conventional loans
• SBA pricing and compliance requirements
• How to get started and maintain your program
• The benefits as well as the costs of an SBA guaranty

Course dates and times

This basic webinar is designed to familiarize loan officers with the terms and purpose of various forms of short-term lending with a focus on revolving lines of credit. This introductory webcast will provide the participant with a high level overview on how to determine whether a revolving line of credit is the appropriate product to meet a members' need and touch on:

• Acceptable types of collateral
• Documents needed to determine eligibility for this type of short-term financing
• Risks associated with lines of credit

Course dates and times

In CU Business Group's Understanding NCUA Member Business Loan (MBL) Regulations,  CUBG’s experienced underwriters will discuss the application of all the pertinent regulations to your MBL program.  This course is excellent for staff that are new to business lending, or as a refresher for more experienced staff.  The webinar will center on NCUA Part 723 Member Business Loans.  Specific regulations covered include:

• Part 722 Appraisals
• Part 723 Member Business Loans
• Part 742 Regulatory Flexibility Program
• §701.21 Loans to Members and Lines of Credit to Members
• §701.22 Loan Participation

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Appraising commercial real estate requires a higher standard of certification and additional analysis in the appraisal report.  This session will provide an in-depth discussion of the key areas and differences you’ll find in appraisals for business purpose loans.  You’ll also gain some important tips for managing the appraisal review process and controls within your program.  Specific topics for this session include:

• When is it appropriate to order a commercial real estate appraisal
• NCUA Regulation Part 722 Appraisals
• Uniform Standards of Professional Appraisal Practice (USPAP)
• Appraiser certification and your credit unions due diligence
• Different types of appraisals and valuation approaches

Course dates and times

Managing the risks associated with your business lending program is essential to loan quality as well as satisfying exam and audit requirements. This course will outline key aspects of business lending operations that help manage the major risks in business lending:

• How to set up operations to minimize credit risk
• Reports and processes to address liquidity risk
• Pricing considerations to manage interest rate risk
• Necessary areas to ensure compliance risk is managed
• Considerations to avoid reputation risk

In addition, we will include an overview of what we know are areas of focus of regulators. This sessions is sure to provide practical information to help your business program.

Course dates and times

This informative session will focus on the NCUA's recently released Letter Number 08-CU-26, which provides guidance to credit unions and examiners on running a successful business loan participation program. Specific topics include:

• Examiner definition of participation risks for both buying and selling credit unions
• What credit unions need to state in their MBL and participation policies
• Due diligence required for the participation business model
• Risk measurement, monitoring and control for participation transactions

CUBG experts will also provide an overview of how the CUBG participation network complies with these regulations. This information is essential for credit unions currently buying or selling participations, or those considering it.

Course dates and times

This webinar is designed to train loan officers on gathering information from business members seeking lines of credit. This session will provide the participant with information on what documentation is needed from the business member and the appropriate information to gather in the interview process including:

• Ownership information
• Purpose of the loan
• Business marketing niche
• Seasonal or cyclical factors in product or service

Course dates and times

Environmental concerns are a significant area of review in commercial real estate transactions.  In this session CU Business Group’s senior underwriters will cover the appropriate due diligence to reduce environmental risk on real estate secured member business loans.  The discussion will include a review of common environmental reports ranging from Environmental Data Resources, Inc (“EDR”) reports to Phase II Environmental Site Assessments (“ESA”).  Specific topics covered will include:

• Why you need to discover environmental issues before you make the loan
• What’s included in the various environmental reports
• The All Appropriate Inquiries (“AAI”) rule
• The Innocent Landowner Defense
• Specific examples of contamination via photos and stories

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Managing your portfolio is a key component to risk management of your member business loans. This course will focus on the why and how of managing your portfolio, and the desired outcomes of a successful portfolio management process. The following areas will be covered as they relate to portfolio management:

• Board of Director Oversight
• Portfolio Management Strategies
• Information Systems
• Market Analysis
• Credit Standards
• Stress Testing and Sensitivity Analysis
• Risk Review

Course dates and times

This basic webinar will familiarize your staff with the early warning signs of problem loans and give an overview of the collections process. Attendees will learn the steps of dealing with problem loans, from gathering the facts and assessing the situation to creating a plan to work with the borrower and guarantor including:

• How to recognize problems
• Facts to gather
• Formulating a plan
• Assessing documentation and collateral

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This webinar discusses each of the major types of collection processes associated with business loans and gives a detailed overview of each. Participants will learn the basics of what each process is and how it works. We will also review loan loss reserve adequacies and loan charge-offs and recoveries. Collection processes covered include:

• Past due payment collections
• Bankruptcies
• Foreclosures and repossessions
• Transfers and assumptions
• Collateral liquidation
• Loan loss reserve adequacy

Course dates and times

This advanced webinar will review lender liability and the pitfalls your credit union should avoid when it comes to problem business loans. This session will also focus on the concept of good faith and the ten rules of lender liability and how to apply them in day-to-day interactions with borrowers, including:

• Carefulness
• Control
• Duress
• Truth
• Professionalism

Course dates and times

Conducting an effective interview with a business member is a key component of a successful business services program. Our training centers around the following interviewing tools and techniques:

• Key questions and techniques to help staff learn about the member and their business
• Open/closed and other types of questions – how to best choose your question and why
• Specific questions to identify lending opportunities and clarify financing possibilities
• Detailed questions that will lead to the best deposit product package
• The sales process and what to do with the information from the interview

Course dates and times