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Credit Union Overtime Podcast

Credit Union Overtime Podcast

By Credit Union Webinar Network

Welcome to the Credit Union Overtime Podcast! Produced and presented by the Credit Union Webinar Network, Powered by FinEd. We’re here to tie the bow on top of the great webinars and training that our industry experts provide. We’ll cover all aspects of credit union world, from compliance to marketing, operations to lending, and HR to IT. If it’s happening in your CU, we’re on it.
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Currently playing episode

Advanced BSA Officer Training: In-Depth Risk Issues & Difficult Situations with Bill Elliott

Credit Union Overtime PodcastApr 13, 2021

00:00
12:02
Mortgage Bankers Association Prediction on CRE Loan Volume Q&A with David Reed

Mortgage Bankers Association Prediction on CRE Loan Volume Q&A with David Reed

Mortgage Bankers Association Prediction on CRE Loan Volume Q&A with David Reed


CEO and former financial institution executive, Larry Williams, chats with attorney and compliance expert, David Reed, about a recent prediction made by the Mortgage Bankers Association concerning commercial real estate lending.


Tumbling occupancy, rising interest rates, and concentrations in CRE loans may spell trouble for many community financial institutions. Learn about the risks your credit union may be facing in these areas, as well as how recent events are influencing CRE values and loan volume across the country.


After the podcast, be sure to check out David’s webinar, New Policy Statement on CRE Accommodations & Workouts. Register and learn more here. Podcast listeners can also use coupon code POLICY10 for 10% off. This coupon is valid through February 2024.


Here is a quick breakdown of what is covered during the podcast:

[1:48] What did the Mortgage Bankers Association predict, and how do you see that affecting our community financial institutions?

[4:15] How does the recent WeWork bankruptcy filing fit in?

[8:20] Do you see regulators looking more closely on CRE concentrations in upcoming exams?

[13:35] How will the rising interest rates affect CRE loans due for a rate adjustment?

[17:33] Is there a connection between the failures of Silicon Valley and Signature Banks and the current state of commercial real estate?

[21:26] What else should our listeners be looking out for in managing their CRE portfolio risk?

[25:52] Board’s role in CRE Risk management


Check out these links for more info!

Webinar Registration: https://cuwebtraining.com/New-Policy-Statementon-CRE-Accommodations-Workouts

Speaker’s Website: https://reedandjolly.com/

Questions? support@cuwebtraining.com

Follow us on LinkedIn: https://www.linkedin.com/company/cuwn

See us on Instagram: ⁠https://www.instagram.com/cuwebinars/⁠

Like us on Facebook: https://www.facebook.com/cuwebinars

Tweet us on Twitter: https://twitter.com/cuwebinars

Read our blog: https://cuwebtraining.com/blog

Nov 21, 202327:24
New Beneficial Ownership Rules Q&A with Deborah Crawford

New Beneficial Ownership Rules Q&A with Deborah Crawford

CEO and former banker, Larry Williams, chats with compliance expert, Deborah Crawford, about the new beneficial ownership rules and what that means to business owners and your institution.

 

Find out when new business account holders and existing business owners need to comply with the new rules, the reason for the changes, and who has access to your information. Plus get 10% off the webinar, Countdown to New Beneficial Ownership Rules: Effective January 1, 2024.

 

After the podcast, be sure to check out Deb’s webinar, Countdown to New Beneficial Ownership Rules: Effective January 1, 2024. Register and learn more here. Podcast listeners can also use coupon code BENEFICIAL10 for 10% off. This coupon is valid through February 2024.

 

Here is a quick breakdown of what is covered during the podcast:

 

[1:40] When do account holders actually have to comply with the new beneficial ownership rules, effective Jan. 1, 2024?

[2:35] Has the definition and exemptions of a beneficial owner changed?

[3:25] What is a reporting company?

[4:03] What is a company applicant?

[4:45] What is the overarching reason the government is making these changes?

[5:45] Who will be able to look at your registered information? Is it a public network or a private network?

 

Check out these links for more info!

Sep 21, 202308:41
Interest Rate Risk Management Q&A with Dale Sheller

Interest Rate Risk Management Q&A with Dale Sheller

During this episode, Larry chats with Dale Sheller with the Baker Group about why the Federal Reserve recently decided to not increase interest rates, the implications of the tightening cycle on margins, preparations of financial institutions for the end of the tightening cycle, the reasons for an inverted yield curve, regulators' responses to unrealized investment portfolio losses, and the benefits and structure of the bank term funding program in mitigating risk.

 

After the podcast, be sure to check out Dale’s complimentary webinar, Interest Rate Risk Management Today. Register for this free webinar here: https://fin-ed.info/3XIfGu7.

 

Here is a quick breakdown of what is covered during the podcast:

 

[1:12] The Fed skipped raising interest rates at the last meeting – why did they do that and are they done raising interest rates?

[2:24] Is the recent fast-tightening cycle good news for net interest margins?

[4:27] How fast does the cost of funds catch up to the yield on earning assets? Has it been faster in this cycle?

[5:27] How are financial institutions preparing for the Fed to end the tightening cycle?

[7:50] Why do we have an inverted yield curve?

[9:42] How are regulators responding to unrealized losses on investment portfolios, and why?

[11:38] What are the advantages of the bank term funding program for financial institutions?

[14:37] Could the bank term funding program mitigate the risk of unrealized losses?

[16:05] Deposits increased dramatically over the pandemic, has that trend slowed down? Are financial institutions seeing most of these deposits as ‘hot money’ or core deposits?

Check out these links for more info!


Speaker’s Website: https://www.gobaker.com/

Questions? support@cuwebtraining.com

Follow us on LinkedIn: https://www.linkedin.com/company/cuwn

Like us Facebook: https://www.facebook.com/cuwebinars

Tweet us on Twitter: https://twitter.com/cuwebinars

Read our blog: https://cuwebtraining.com/blog

Jul 11, 202317:56
Strategic Planning Q&A With Marcia Malzahn

Strategic Planning Q&A With Marcia Malzahn

In this week’s episode Marcia Malzahn does a Q&A on strategic planning. She will answer why your institution needs to have a strategic plan in place and why it needs to be incorporated into enterprise risk management and so much more.

 

After the podcast, be sure to check out Maria’s webinar Strategic Planning for Credit Unions. Register and learn more here: https://fin-ed.info/40vSLSy. Podcast listeners can also use coupon code STRATEGIC10 for 10% off this timely webinar. This coupon is valid through December 2023.

 

Here is a quick breakdown of what is covered during the podcast:

 

[01:15] Should you have a strategic plan in place?

[02:15] Find out why enterprise risk management (ERM) is being incorporated into the strategic planning process.

[03:40] Everyone at the credit union should be a part of strategic planning, why is human resources not included in the process?

[05:21] Senior leadership needs to be a part of the process, but does the board of directors?

[06:15] The biggest challenge credit unions have related to strategic planning.

 

Check out these links for more info!

Webinar Registration: https://fin-ed.info/40vSLSy

Speaker’s Website: https://malzahnstrategic.com/

Questions? support@financialedinc.com

Follow us on LinkedIn: https://www.linkedin.com/company/cbwn  

Like us Facebook: https://www.facebook.com/bankwebinars

Tweet us on Twitter: https://twitter.com/bankwebinars

Read our blog: https://financialedinc.com/blog

Jun 27, 202308:24
Branch Managers & Head Tellers With Molly Stull

Branch Managers & Head Tellers With Molly Stull

How is your team’s teamwork? What are you doing to increase/improve their efficiency, professionalism, communication, and accuracy?

 

During this episode, we visit with Molly Stull of Brode Consulting Services about some of the critical aspects that branch managers and head tellers need to be mindful of as leaders within their credit unions. After the podcast, be sure to check out Molly’s webinar titled, Branch Managers & Head Tellers: Managing the Critical Aspects: https://fin-ed.info/43RtGEi.

 

Podcast listeners can use the coupon code MANAGER10 for 10% off this informative webinar. This coupon code is valid through December 2023.

 

Here is a quick breakdown of what is covered during the podcast:

 

[1:23] What are the critical aspects that branch managers and head tellers need to manage?

[2:20] What are the benefits of a high-functioning team?

[3:16] What are the risks of NOT focusing on teamwork within a branch?

[4:15] What are the first two or three things a new branch manager should focus on?

[7:00] Can leadership be learned?

[7:45] What’s the difference between managing and coaching employees?

[8:19] Tips for time management.

[11:50] Trust you team.


Check out these links for more info!

 

Speaker’s Website: https://www.brodeconsulting.com/

Questions? support@cuwebtraining.com

Follow us on LinkedIn: https://www.linkedin.com/company/cuwn

Like us Facebook: https://www.facebook.com/cuwebinars

Tweet us on Twitter: https://twitter.com/cuwebinars

Read our blog: https://cuwebtraining.com/blog

Jun 20, 202315:30
Treasury Management Q&A With Marcia Malzahn

Treasury Management Q&A With Marcia Malzahn

In this week’s episode Marcia Malzahn does a Q&A on treasury management. She will detail why your credit union needs to implement this powerful tool to not only grow your core deposits but provide a sustainable source of income.  

 

After the podcast, be sure to check out Maria’s webinar Treasury Management: A Powerful Tool to Increase Deposits & Fee Income. Register and learn more here: https://fin-ed.info/3UYgtpJ. Podcast listeners can also use coupon code TREASURY10 for 10% off this timely webinar. This coupon is valid through December 2023.

 

Here is a quick breakdown of what is covered during the podcast:


[1:14] Treasury management definition and the importance of having a strong treasury management department.

[1:54] Account analysis statement: how your community bank can put it to good use.

[03:51] The most common treasury management services that community banks need to offer to their account holders.

[05:56] Where does treasury management belong in the organizational chart?

[8:15] How treasury management works with the team, and does it require more than one person to run the department?

 

Check out these links for more info!

Webinar Registration: https://fin-ed.info/3UYgtpJ

Speaker’s Website: https://malzahnstrategic.com/

Questions? support@financialedinc.com

Follow us on LinkedIn: https://www.linkedin.com/company/cbwn

Like us Facebook: https://www.facebook.com/bankwebinars

Tweet us on Twitter: https://twitter.com/bankwebinars

Read our blog: https://financialedinc.com/blog

Jun 13, 202311:50
CECL Q&A With Steve Schiltz

CECL Q&A With Steve Schiltz

The new CECL accounting standard fundamentally changed the way that credit unions estimate loan losses and resulted in material equity adjustments for many. What are regulators focusing on? Is there one “preferred” methodology? What impacts has CECL had on financial statements?

 

Join us for a Q&A with Stephen Schiltz of CLA as he answers these questions and more about the newly implemented Current Expected Credit Losses (CECL) methodology. After the podcast, be sure to check out Steve’s webinars about CECL:

 

CECL: What Auditors & Regulators Will Expect: https://fin-ed.info/42oZz5t

TDR Comeback: Qualification Under CECL & End of CARES Act: https://fin-ed.info/3oKeGc7  

Podcast listeners can use the coupon code CECL10 for 10% off both of these timely webinars. This coupon is valid through December 2023.


Here is a quick break down of what is covered during the podcast:

[1:35] How prepared were financial institutions for CECL’s final implementation?

[3:07] Is there one specific methodology that regulators will be looking for credit unions to be using?

[4:39] Quantitative analysis vs. qualitative analysis.

[7:08] TDR accounting under CECL.

[9:34] Troubled loan modifications in the current economic environment.

[10:39] What are the top two or three red flags that you’ve seen in CECL models being used right now?

[12:44] Validating a forward-looking model with historical data.

[13:50] Impacts of CECL on other than loans.

[15:40] Impacts of CECL on a financial institution’s financial statement.

 

Check out these links for more info!

Speaker’s Website: https://www.claconnect.com/en

Questions? support@cuwebtraining.com

Follow us on LinkedIn: https://www.linkedin.com/company/cuwn

Like us Facebook: https://www.facebook.com/cuwebinars

Tweet us on Twitter: https://twitter.com/cuwebinars

Read our blog: https://cuwebtraining.com/blog

Jun 06, 202318:57
ACH, RTP & FedNow: What You Need to Know Now

ACH, RTP & FedNow: What You Need to Know Now

[1:10] Is there ETA on debits for Real Time Payments or Fednow?

[2:13] Some financial institutions charge for Same Day ACH, but do they charge their account holders for RTP payments and for the coming FedNow payments or is it a free service?

[5:00] What potential for fraud do you need to be aware of?

[9:16] If an ACH is received through a service provider, do financial institutions need to contact Fed if interested in FedNow?

[10:15] Can funds be accessed with both direct connection and via service provider?

[10:47] What type of payment processing system is peer-to-peer (P2P) payments considered?

[13:38] Do Real Time Payments move through the traditional rails?

[14:18] How are accounts linked for transfer on RTP and FedNow?


In this week’s episode Shelly Sipple with EPCOR answers some common questions from her webinar tilted Emerging Payments: Embracing Same Day ACH, RTP & FedNow. Register and learn more here: https://fin-ed.info/3Jw96zN Podcast listeners can also use coupon code EMERGINGPAYMENTS for 10% off this timely webinar. This coupon is valid through February 2022.


Check out these links for more info!

Webinar Registration: https://fin-ed.info/3Jw96zN

Speaker’s Website: https://www.epcor.org/wcm/About_Us/wcm/about/about_us.aspx

Questions? support@cuwebtraining.com

Follow us on LinkedIn: https://www.linkedin.com/company/cuwn

Like us Facebook: https://www.facebook.com/cuwebinars

Tweet us on Twitter: https://twitter.com/cuwebinars

Read our blog: https://cuwebtraining.com/blog

Jan 10, 202320:52
Understanding Analytics: Common Questions with Eric Cook

Understanding Analytics: Common Questions with Eric Cook

[0:52] How does Google Analytics metric work?

[3:19] Facebook and LinkedIn don’t work with Google Analytics. What site information can be incorporated?

[6:04] Does Google rank video the same as written content?

[8:09] Should you only link to your own website, or should you link to other people’s websites?

[11:29] Should financial institutions have web pages on multiple platforms?

[14:33] Best ways to use Google Data Studio.

[17:09] Is it necessary to get information from Facebook and LinkedIn to use in Google Data Studio?

[19:49] Photos or Videos? What gains more engagement on social media?

[25:19] Is Canva a good product to use for social media marketing?

[28:21] Limitations of WordPress.

[31:51] Updating/Patching plugins.

[35:07] Did Meta remove the when your fans are online feature?


In this week’s episode, Eric Cook with WSI Digital answers some common questions from his webinar tilted, Measure It to Manage It: Understanding Analytics & How to Determine Online Success. Register and learn more here: https://fin-ed.info/3SpV1Ie Podcast listeners can also use coupon code BUSINESSWRITING for 10% off this timely webinar. This coupon is valid through December 2022.


Check out these links for more info!

Webinar Registration: https://fin-ed.info/3SpV1Ie

Speaker’s Website: https://www.wsiworld.com/

Questions? support@cuwebtraining.com

Follow us on LinkedIn: https://www.linkedin.com/company/cuwn

Like us Facebook: https://www.facebook.com/cuwebinars

Tweet us on Twitter: https://twitter.com/cuwebinars

Read our blog: https://cuwebtraining.com/blog

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Basics of Consumer Lending
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Medallion Stamp: What Is It and What Does It Cover?
May 31, 202214:18
Business Writing Boot Camp, Including Critique of Your Own Writing Sample with Nancy Flynn
May 05, 202233:53
An In-Depth Look at Regulation Z's Amended Qualified Mortgage (QM) Rule with Michael Christians
Apr 11, 202226:26
Lending on Low-Income Housing Tax Credit Projects with Elizabeth Fast
Mar 23, 202211:20
Head Teller Development: Improving Teller Performance with Molly Stull
Feb 16, 202214:57
New Employee Required Training with Molly Stull
Feb 02, 202216:46
Finding Lost Borrowers: The New World of Skip Tracing with David Reed
Jan 14, 202209:49
Reg E Investigation & Requirements for Debit Card Error Resolution with Michele Barlow
Dec 22, 202120:06
Free Webinar! FedNow: Faster Payments, Future, Feasibility with Kevin Olsen
Dec 08, 202117:34
Mastercard Debit Card Chargebacks with Diana Kern
Nov 09, 202113:09
Dormant Accounts, Unclaimed Property & Escheatment with Elizabeth Fast
Oct 26, 202111:32
The TRID Dirty Dozen: Navigating the Landmines with Dawn Kincaid
Oct 05, 202110:06
Comparing Regulation E with Visa & Mastercard Rules with Duane Betz
Sep 14, 202108:00
New Accounts Series: Regulatory Alphabet for Deposit Accounts with Michael Christians
Sep 03, 202113:31
Collection Series: Chapter 7 & 13 Consumer Bankruptcies: Special Rules, Cramdowns & Risks with Elizabeth Fast
Aug 18, 202124:24
Marketing in 2021: Virtual Relationships & the New Consumer with Eric Cook
Aug 04, 202115:15
Remote Workforce Series: Moving to the Cloud: Remote Management of Risks to Member Data with Mark Shaffer, John Moeller, and Shane Hendrix
Jul 21, 202123:16
Current Trends in Cyber Crime & Payments Fraud with John Moeller and Barbie Housewright
Jul 06, 202120:14
Developments in Mergers & Acquisitions with Phil Buffington
Jun 22, 202111:40
Residential Appraisal Reviews from Start to Finish with Dawn Kincaid
Jun 08, 202107:54
Residential Construction-Only & Construction-To-Permanent Lending: Compliance & FAQs With Bill Elliott
May 25, 202117:44
Calculating Cash Flow from Corporate Tax Returns with Tim Harrington
May 11, 202111:28
The Top 10 Reasons Consumers Leave Their Financial Institution with Bruce Paul
Apr 27, 202110:03
Advanced BSA Officer Training: In-Depth Risk Issues & Difficult Situations with Bill Elliott
Apr 13, 202112:02
Remote Workforce Series: Making Work from Home Effective with Dawn Kincaid
Mar 30, 202110:08
Calculating Cash Flow from S-Corporation & Partnership Tax Returns with Tim Harrington
Mar 16, 202113:29
Determining Cash Flow from Personal Tax Returns with Tim Harrington
Mar 02, 202112:32
Navigating the Coming Wave of Bankruptcy with David Reed, JD
Feb 16, 202124:39
Managing Vendors: Due Diligence, Contracts, Tips & Tools with Joseph E. Silvia
Feb 02, 202114:49
Major Changes to Fair Debt Collection Practices Act with Elizabeth Fast, JD & CPA
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Building the Best Board Meeting with David Reed, JD
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Holiday Mini-Episode!
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Asked & Answered: Security Mistakes with Barry Thompson
Dec 08, 202020:41
PPP Loan Forgiveness Update with Kimberly Rayer, Esq.

PPP Loan Forgiveness Update with Kimberly Rayer, Esq.

Welcome to Credit Union Overtime Podcast Produced and presented by the Credit Union Webinar Network, Powered by FinEd. Today we talk with Kimberly Rayer from Starfield & Smith, PC about an update to PPP Loan Forgiveness, specifically the US Department of Treasury’s October 8th announcement regarding Simpler PPP Forgiveness for Loans of $50,000 or Less.

Find the full webinar here, us coupon code FORGIVENESS25 for $25 off:

https://cuwebtraining.com/webinar/navigating-the-ppp-loan-forgiveness-process-a-z

Meet our guest: Kimberly Rayer is a partner in the law firm Starfield & Smith, PC, where she concentrates her practice on SBA lending programs, commercial financing, and other secured transactions. She represents lenders and lectures across the country on SBA closings and eligibility and compliance matters.

Kim is admitted to practice before the Supreme Courts of Pennsylvania and New Jersey and the Federal District Court for the Eastern District of Pennsylvania. In addition, she is a member of the American Bar Association and the National Association of Government Guaranteed Lenders (NAGGL) and was named as a Pennsylvania “Rising Star” by Philadelphia Magazine. She received a Bachelor’s from Drexel University and a JD from the James E. Beasley School of Law, Temple University.

Find us on LinkedIn: https://www.linkedin.com/company/cuwn

Give us a like on Facebook: https://www.facebook.com/cuwebinars

Oct 26, 202010:13
SAFE Act Compliance for MLOs with Susan Costonis

SAFE Act Compliance for MLOs with Susan Costonis

Welcome to Credit Union Overtime Podcast, produced and presented by the Credit Union Webinar Network, Powered by FinEd. The second episode dives into the September webinar SAFE Act Compliance for Mortgage Loan Originators (MLOs), presented by Susan Costonis.

Check out these links for more info!

SAFE Act Compliance for Mortgage Loan Originators (MLOs) - https://cuwebtraining.com/webinar/safe-act-compliance-for-mortgage-loan-originators-mlos

Risk Officer Series: Advanced BSA Officer Training: Risk, Compliance & Real-Life Scenarios - https://cuwebtraining.com/webinar/risk-officer-series-advanced-bsa-officer-training-risk-compliance-real-life-scenarios

Find us on LinkedIn: https://www.linkedin.com/company/cuwn

Give us a like on Facebook: https://www.facebook.com/cuwebinars

Susan Costonis - Susan Costonis is a compliance consultant and trainer who began her career in 1978. She specializes in compliance management along with deposit and lending regulatory training. Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real-life examples.

The Credit Union Overtime Podcast is produced by Rachel Cartwright and Eric Connolly. Audio production, editing, and music by Travis Grotbo.

Sep 08, 202018:16
Asked & Answered: Call Report Financial Statements & Covid-19
Jul 30, 202020:20