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

Webinar: Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank Bundle

This seminar will assist community banks in navigating the critical considerations needed to effectively implement a sound vendor management program.

Community banks may outsource a service, but they cannot outsource the responsibility. In a financial environment wrought with strong enforcement actions, rising regulatory expectations, and massive data breaches, community banks must understand and manage a secure network of relationships to ensure customer data, bank transactions, business activity, and shareholders are protected.

Relationships with third-party vendors are commonplace and many provide a strategic advantage; however, the rewards aren't without risk to financial institutions. Intense regulatory scrutiny and variations in third-party service application are challenging the risk management practices utilized by today's community banks.

Learning Objectives:

• Participants will examine the vendor management lifecycle and discuss:
• Effective strategies for vendor selection.
• Evaluating risk associated with service providers.
• Guidelines for structuring your vendor agreements.
• Methods for monitoring and measuring success of your third-party vendors.
• Throughout the seminar practical advice and guidance will be shared including:
• How to remove the guesswork related to employee responsibility and vendor management.
• Key compliance considerations to monitor service provider relationships.
• New policy, procedures, and retention strategies.

No credit committee wants to read an epic non-fiction piece of work. The key to an effective credit write-up is to focus on the core risks. Each credit request begins with a problem, usually a cash shortfall. As a banker, your job is to find out why the borrower is short on cash and how the asset will generate enough money to repay the loan.

Each request will have three to five key credit risks. You need to clearly explain these risks and show how your loan structure will address them. These risks might involve the market, management, financial numbers, inventory, receivables, or other business issues. Learn how to spot these concerns and explain them clearly and effectively.

Learning Objectives:

• Identify the main credit risks in a loan request and analyze their impact.
• Explain key risk factors and connect them to loan structure for effective mitigation.
• Apply best practices to create credit write-ups that address the borrower’s cash flow and repayment plan.

Duration: 60 minutes

Presented live and recorded on 7/28/26.

Build a proactive mindset in identifying concerning trends that, if left unaddressed, could lead to a bank loss. A past due payment is not an early warning sign. It’s an indication that you have already missed the opportunity to assist your client.

Examine liquidity versus solvency issues, management strength, industry strength, as well as types of credit risk.

Learn how to identify early warning indicators that a borrower could be in trouble and see how you can develop an action plan with the goal of returning the client to a pass status or minimizing the loss to both the client and the bank.

Learning Objectives:

• Through portfolio analysis learn to identify where problem loans could arise.
• Learn how a review process can mitigate loan losses and help your customers.
• Develop an action plan that you can put to use immediately.