At ICBA Securities, we provide community bankers the tools to grow their investments.

Assessing income for borrowers with multiple entities is often complex, requiring a clear understanding of each business’s cash flow and overall holdings.

This session explores two borrower scenarios, a simple multiple-entity relationship and a complex real estate investor, to demonstrate methods for evaluating risk, interpreting tax forms, and analyzing total cash flow. Emphasis will be placed on qualitative analysis and key questions to deepen your insight into borrower credit.

Ideal for bankers of all experience levels, this session provides practical tools to confidently assess multi-entity income and risk.

Learning Objectives:

Evaluate the overall risk within a borrower’s multiple entity holdings.

Interpret key tax forms accurately.

Develop a structured process to analyze total cash flow across multiple entities.

 

Duration: 60 minutes

Even with robust vendor solutions, Current Expected Credit Losses (CECL) models can struggle in periods of uncertainty.

Forecast-based models can become too sensitive to economic assumptions, while current-conditions models may miss turning points. Qualitative adjustments can swing each period to make up for these gaps—undermining confidence just when clarity is needed most.

Darling Consulting Group experts share real-world case studies from their validation work, highlighting the most common model limitations and propose solutions that you can use at your institution to ensure your CECL model remains balanced and fit-for-use.

Learning Objectives:

• Identify common limitations found in CECL model methodologies.
• Describe how model sensitivity to economic forecasts and current conditions can affect CECL results.
• Recognize when qualitative adjustments may be compensating for quantitative model weaknesses.
• Apply practical solutions to keep your institution’s CECL model balanced, reliable, and fit-for-use in changing environments.

Duration: 60-minutes

Presented live and recorded on 10/14/26.

Your institution is unique. Your strategic plan should be just as distinct. The environment for community financial institutions has changed drastically in the past five years due to shifts in interest rates, emerging technologies, evolving consumer preferences, market changes, and recent bank failures. These factors necessitate a fluid and adaptable strategic plan. Whether your institution lacks a cohesive strategy or wants to review existing plans, this session addresses critical questions about your institution’s vision, employee alignment with that vision, cultural and brand consistency, risk identification, and having the right people in the right roles.

This webinar provides the framework for you to be able to clarify your vision, mission, and core values, understand the importance of a well-defined strategic plan structure, and identify key components common to successful strategies. You will learn about the role of enterprise risk mitigation and management in your strategic plan, identify four key growth strategies, establish best practices with board governance, and manage the strategic planning and implementation process. Additionally, you will gain tools and ideas to integrate your enterprise risk management and talent management programs into your strategic plan, ensuring it is actively implemented and not simply a document on the shelf.

Learning Objectives:

Clarify your vision, mission, and core values.

Learn the importance of a clearly defined strategic plan structure.

Identify key components common to winning strategies.

Understand the role of enterprise risk mitigation and management.

Identify and implement four key growth strategies.

Establish board governance best practices.

Develop and manage the strategic planning process.

Conduct a strategic risk assessment for new initiatives.

Incorporate your enterprise risk management program into your strategic plan.

Integrate your talent management program into your strategic plan.

Ensure your strategic plan is actively implemented.

 

Duration: 90 minutes

Presented live and recorded on 10/15/2026