EDUCATION CATALOG
Conferences. Forums. Seminars. Schools. Webinars.
2024
ILLINOIS BANKERS ASSOCIATION 1 Table of Contents Program Delivery 2 Continuing Education 2 Bank Financial Management 3 Compliance & Banking Law 4 Lending: Ag, Commercial, Consumer, and Residential Commercial Lending 13 HumanResourcesand Workplace Fundamentals 19 Management & Leadership ..............................................................................................................................................21 Marketing and Sales .........................................................................................................................................................24 Operations and Technology ............................................................................................................................................26 Retail Banking...................................................................................................................................................................28 Wealth Management .........................................................................................................................................................36 Resources andPublications ............................................................................................................................................39 Index...................................................................................................................................................................................40
Conferences ~ Events
Compliance Conference
May 23 - Virtual
Annual Convention
June 24-27 - Fernandina Beach, FL
Women Lead Symposium
July 17 - Virtual
Bank Directors’ Symposium
August 1 - Virtual
Ag Banking Conference
August 21-22 - Springfield
Fall Golf Outing
September 30 - Bloomington
BankTech Conference
October 3 - Oak Brook
Family-Owned and Closely Held Bank Strategic Retreat
October 10-11 - Madison, WI
Midwest Trust and Wealth Management Conference
October 16-18 - Michigan
Women in Banking Conference
October 17-18 - Springfield
Midwest Bank Leaders Conference
November 14 - Chicago
Bank Counsel Conference
December 6 - Chicago
Seminars~Series~Schools
Commercial Credit Analysis Series
May 14-15
Sales Excellence Bootcamp
May 16-17
Advanced BSA Academy
May 21-22
Retail Lending Series
May 23, June 20
Dos and Don’ts for Guaranties
June 5
Retail Banking Leadership Series
June 11-12
Bank Executive Academy
June 12
Understanding Bank Performance
July 9 – August 1, Tues/Thurs
Real Estate Lending Compliance
July 30-August 2
Appraisal and Evaluation Compliance
August 6
Fraud Academy
August 6-8
LaserPro Training
August TBD
Security Officer Workshop
August 13 or 15
Call Report Preparation
August 14 or 15
Compliance Management Systems (CMS) Essentials
August 20
Performing Your ACH Audit
August 27 or 28
CRA Modernization – What’s the Big Deal?
September 5
Third-Party Management Essentials September 9
The Illinois Trust Code: Highlights for Fiduciaries
September 11
HSA Workshop September 12
Regulatory Compliance Series
September 23-27
Operations School
October 8-10
IRA Training
October 9 and 10
Commercial Lending School
October 21-25
BSA Yearend Update
October 29-30
ACH Exception Handling
November 6 or 7
Midwest Ag Banking School
December 2-5
Internal Bank Audit School
December 10-11
Peer Groups
Bank Marketing
May 8, Nov. 6
Cash Management/Treasury
Feb. 28, Oct. 30
CEO Forum
Feb 14, July 10, Oct 16
CFO Central
May 10, Aug. 23, Nov. 15
Compliance Apr. 12, July 12, Oct. 11
Education and Trainers
Mar 14, Sept. 19, Oct. 3
Human Resources
May 15, Oct. 9
Lending
July 24, Oct. 23
Midwest CEO Sept. 25
Operations
May 3, Aug. 2, Nov. 1
Senior Retail Banking
Apr 4, July 25, Oct. 29
Small Bank CEO
May 8, Aug. 14, Nov. 13
Technology
Apr. 26, Aug. 30, Nov. 22
Scan the code to learn more!
2024 PEER GROUPS
Connecting Bankers. Advancing Banking.®
Examine pressing issues, exchange ideas, and share solutions among colleagues in a comfortable and professional environment.
MARKETING
CASH MANAGEMENT / TREASURY
CEO (SMALL BANK)
Up to $150MM in Assets
CEO $150 to $750MM in Assets
CEO (MIDWEST)
$750MM+ in Assets
CFO (CENTRAL ILLINOIS)
May 8, November 6
February 28 October 30
May 8, August 14, November 13
Brett Jackson, Systemax
Karl Nelson, KPN Consulting
Cliff Bumgarner, Kerber, Eck & Braeckel LLP
(Both Sessions)
$400 (Both Sessions)
$500 (M) / $700 (NM) (Three Sessions)
February 14, July 10, October 16 Karl Nelson, KPN Consulting $600 (Three Sessions)
May 15, September 25
May 10, August 23, November 15
Justin Freeman, RSM US LLP
$400 (Two Sessions)
Steve Schick & Sherrie Krowczyk-Mendoza, Plante Moran $600 (Three Sessions) CFO (NORTHERN ILLINOIS)
May 17, August 16, November 8 Vivian Myers, RSM US LLP $600 (Three Sessions) COMPLIANCE
April 12, July 12, October 11
Sarah Hammond & Julia Sheehan, RSM US LLP, Kathy Enbom, Wipfli LLP, & Brian Crow, TCA
$250 (M) / $450 (NM) (per session) EDUCATION AND TRAINERS
March 14, Sept. 19, October 3
Dianne Barton & Denise Wilson, Performance Solutions, Inc.
$745 (M) / $1,245 (NM) (Three Sessions) HUMAN RESOURCES
May 15, October 9
July 24, October 23
SENIOR RETAIL OFFICERS
Emily Bennett, Howard & Howard & Angela Adams, HR Source
David Ruffin, IntelliCredit
May 3, August 2, November 1 Paul Davis, Strategic Resource Management, Inc.
April 4, July 25, October 29
April 26, August 30, November 22
Christie Drexler, Drexler Consulting LLC
Ben LeClaire, Plante Moran
$300 (M) / $500 (NM) (Both Sessions)
(Both Sessions)
(Three Sessions)
$745 (M) / $1,245 (NM) (Three Sessions)
$600 (Three Sessions)
PEER GROUP DATES FACILITATOR(S) PRICE
(per person) BANK
$400
LENDING
$400
OPERATIONS
$600
TECHNOLOGY
Program Delivery
Conferences provide specialized education and networking opportunities necessary to stay competitive in today’s economic environment. Progressive educational content and innovative product showcases are the hallmarks of IBA conferences.
Seminars are informative programs held at various locations throughout the state that examine the industry’s hot topics and encourage discussion, questions, and networking with peers.
Peer Groups These exclusive peer to peer groups were created by bankers for bankers to provide open discussion for the learning and sharing of ideas.
Bank Marketing
Cash Management / Treasury
CEO (multiple sessions offered based on bank assets)
CFO (Northern and Southern Illinois)
Compliance
Education and Trainers
Human Resources
Lending Operations
Retail Banking
Small Bank CEO
Technology
Future Leaders Alliance The IBA answered the need expressed by its member institutions to provide leadership training for future banking industry leaders. What evolved was the Future Leaders Alliance, an innovative program for aspiring bankers that emphasizes education, community service, and networking. More
Webinars are live, Internet-based programs that address timely banking topics to a broad audience – several employees may participate without leaving the bank. Archived programs are available for convenient access after the original airing.
ABA Training is a comprehensive source of training and education available through the American Bankers Association (ABA). Courses, certificates, and more are brought to you through the IBA, your Local ABA Training Provider. ABA's extensive suite of online training brings unmatched content in an interactive, digital format that responds to the industry's changing demographics. Online training is flexible, cost-effective, high-quality, and engaging.
Self-Paced Courses – Taken entirely on your schedule.
Instructor-Led Courses – Group collaboration and a virtual instructor, with fixed start and end dates.
Certificates improve individual performance and provide nationally recognized credentials for career development.
Continuing Education
Continuing Professional Education (CPE) The IBA is recognized as a public accountant continuing professional education sponsor by the Illinois Department of Financial and Professional Regulation through December 31, 2024
HR Certification Institute (HRCI) The IBA is recognized as an HRCI Approved Provider through December 31, 2024. This status allows the IBA to obtain pre-approval for recertification credit hours, based on HRCI standards, for HR-related educational programs.
Society for Human Resource Management (SHRM) The IBA is recognized as a SHRM Recertification Provider through April 30, 2026
Illinois MCLE The IBA is recognized as an Accredited CLE Provider by the Minimum Continuing Legal Education (MCLE) Board of the Supreme Court of Illinois through June 30, 2024. Attorneys wanting to attend CLE courses but finding the cost a financial hardship should see the Association’s Financial Hardship Policy.
ABA Professional Certifications
Obtain a nationally recognized designation in areas including wealth management and trust, compliance, risk management, and bank marketing.
Areas of Certification
Certified AML and Fraud Professional (CAFP)
Certified Enterprise Risk Professional (CERP)
Certified Financial Marketing Professional (CFMP)
Certified IRA Services Professional (CISP)
Certified Regulatory Compliance Manager (CRCM)
Certified Trust and Financial Advisor (CTFA)
Secure Banking Solutions (SBS) SBS certifications will prepare students and their financial institutions for cybersecurity threats and regulations and create confidence with examiners and auditors. Each course is available online and is tailored to specific roles within an institution, creating a flexible and targeted learning experience.
Business Continuity Professional
Cybersecurity Manager
Ethical Hacker
Forensic Investigator
Incident Handler
Mobile Administrator
Security Executive
Security Manager
Security Technology Professional
Vendor Manager
Vulnerability Assessor
Annual Scholarships
Illinois Bankers Scholarship Fund
IBA Future Leaders Alliance (FLA)
Graduate School of Banking (GSB)
GSB Human Resource Management School
ABA Stonier Graduate School of Banking
ILLINOIS BANKERS ASSOCIATION 2
Bank Financial Management
Conferences
The ONE Conference
March 13-14, 2025 – Bloomington, IL
Your ONE-stop shop for developing professional skills for your team's key bank functions. Each attendee creates their own custom learning experience with session choices unique to their role: Marketing, Financial Management, HR, Leadership, Lending, Retail, and Tech & Ops. More details coming soon!
Peer Groups
Chief Financial Officer (CFO) Peer Group
Central Hybrid / Springfield – Facilitated by Plante Moran
August 23, November 15
Designed to provide chief financial officers and senior financial managers with the opportunity to network in a comfortable and professional environment, to help strengthen significant ties with fellow community bank CFOs and financial managers, and to examine issues with a fresh perspective.
Fee Per Person
Members Only $400 (Two Sessions)
Individual Session $200
Substitutions Permissible
Schools/Series
GSB Financial Managers School
September 23-27 Enrollment Deadline August 23
Fluno Center for Executive Education, Madison, WI
This school goes beyond the basics to present best practices and solutions to today’s most critical financial management decisions. Designed by experienced CFOs for financial institution finance managers, this school provides the tools you need to build a solid foundation in asset/liability management.
Understanding Bank Performance
Live Streamed - Tues and Thurs, July 9 to August 1
10:00 a.m. to 12:00 p.m. CT View Brochure
Fundamentals of Financial Statements
Credit Metrics & Credit Quality
Funding & Liquidity
Capital & Bank Investments
Risk & Return
Capstone Overview
Proforma Capstone
ABA Training
Online Instructor-Led
Analyzing Bank Performance
An overview of tools and techniques to analyze and improve a bank’s financial performance. Participants observe the effects of specific risks on a bank’s financial track record and the correlation between risk optimization and superior financial performance.
M $1,050/ NM $1,250 Start Dates – 9/9
Managing the Bank’s Investment Portfolio
Fundamentals for understanding how a bank’s investment portfolio is managed. Objectives and composition of investment portfolios and common bank investments are covered, focusing on their risk and return profiles. Various investment strategies are described, and the development of bank investment policies is discussed.
M $1,070 / NM $1,270 Start Dates – 7/29
Managing Funding, Liquidity, and Capital
Learn what funding banks use, how liquidity needs may be addressed by storing liquidity on the balance sheet or by securing additional financing, and bank capital’s purpose, regulatory requirements, and the effect on profitability.
M $1,070 / NM $1,270 Start Dates – 6/3
Managing Interest Rate Risk
An exploration of interest rate risk measurement techniques such as GAP, earnings sensitivity analysis, Duration GAP, and economic value of equity sensitivity analysis. Risk management policy implementation and how to change overall interest rate sensitivity through balance sheet adjustments or derivative contracts are discussed.
M $1,070 / NM $1,270 Start Dates – 10/28
Certificate
Certificate in Bank Financial Management
Develop foundational skills for making critical decisions that affect bank profitability.
Facilitated Online Five to eight weeks each in duration, and you can select your start date and log in at your convenience. The estimated learning time is 3 hours per week.
Analyzing Bank Performance
Managing the Bank's Investment Portfolio
Managing Funding, Liquidity, and Capital
Managing Interest Rate Risk
Self-Paced Online
This course is approx. 25 minutes in length.
Ethical Issues for Bankers
Recommended Prerequisites
Students should understand accounting and financial markets and be experienced in the use of electronic spreadsheets.
ILLINOIS BANKERS ASSOCIATION 3
What is Bank Executive Academy?
BEA is an education & networking program built for the current & future leaders of the banking industry to learn the skills needed to enhance your organization's profitability & success.
How does it work?
A hybrid of self-paced learning with expert-led facilitated live sessions to both learn and implement these practices within your company immediately.
Access Expert Coaching Have bi-weekly live conversations & coaching with the experts of our community. education@illinois.com HAVE QUESTIONS? EMAIL US AT: Gain New Knowledge Grow Your Network The tools & knowledge to become a master of people management & business finances. Join a network of your peers and make connections to leaders across our industry.
Scan the QR code to register!
A Cohort-Based Business Program
Based on a streamlined MBA curriculum, with relevant & actionable knowledge every leader in our industry needs. In just 10 weeks you will learn how to build organizational alignment, empower your team to serve your customers better, and the financial fundamentals to build a more profitable organization.
Live Expert Facilitation & Coaching
Every two weeks you will learn from, discuss, and gain new insights from conversations with industry experts, to help you implement & refine your experience in the program.
Network & Learn From Your Peers
The Bank Executive Academy recruits a group of our peers to learn together. This is an opportunity to gain knowledge and network with fellow leaders during the program and join the growing alumni community.
Gain the Bank Executive Academy Certificate
By the end of this course you will have the skills, knowledge, and resources you need to be more successful so let the world know it! Upon completion of this program you will receive a digital badge for LinkedIn & certificate of completion.
Compliance & Banking Law
Conferences
Compliance Conference
May 23 | Live Streamed
One Fee, Unlimited Attendees (per organization)
Whether you are a full-time compliance officer, an internal auditor, or if compliance is one of your many hats, this conference will help you identify and manage cutting-edge issues that are central to a successful compliance or audit program.
Bank Counsel Conference
December 6 | Chicago
The Bank Counsel Conference is the most prestigious gathering of bank counsel in Illinois. Whether you provide general advice to a bank within the scope of a general practice or concentrate on one or more specific areas related to banking, this program helps you identify and manage cuttingedge issues that are central to your clients and your practice.
Schools/Series
The Illinois Bankers Association is partnering with several other state banking associations to bring you the Fraud Academy. This “first of its kind” two-and-a-half day school will train employees at all levels of your institution on fraud risk and what they can do to fight it. This program was created by police, Secret Service, FBI, and fraud prevention specialists, who will share their experiences and insights to best educate your bankers on how to mitigate fraud risk and ultimately reduce your fraud loss. View Brochure | Register Today
Regulatory Compliance Series
September23-27 - Springfield orLive Streamed
Program 1 – Credit Compliance, Part 1
Reg B: Equal Credit Opportunity Act
Fair Credit Reporting Act
Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
Flood Disaster Protection Act
Reg C: Home Mortgage Disclosure Act (HMDA)
Program 2 – Credit Compliance, Part 2
Reg Z: Truth in Lending Act
Reg X: Real Estate Settlement Procedures Act (RESPA)
Program 3 – Credit Compliance, Part 3
Homeowners Protection Act (PMI)
Reg Z: TILA-RESPA Integrated Disclosures
Military Lending Act
Program 4 – Deposit Compliance
Reg D: NOW Eligibility and Savings/MMDA Limits
Reg E: Electronic Funds Transfer Act
Reg CC: Expedited Funds Availability Act
Reg P: Privacy and Information Sharing “Opt-Outs” Fair Credit Reporting Act/ID Theft “Red Flags”
Reg DD: Truth in Savings Accounts (TISA)
Courtesy Overdraft Programs
Program 5 – BSA/AML Compliance & Regulators’ Forum
BSA, AML and USA Patriot Act
Regulators’ Forum
TCA Facilitators
Michelle Strickland, CRCM, Managing Partner and Co-President
Brian Crow, CAMS, Managing Partner, and Co-President
Monique Reyna, CRCM, Compliance Consultant
Continuing Education
ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This series has been approved for 8 CAFP, 40 CRCM credits (Programs 1-5 CRCM 8 credits each, Program 5-CAFP credits). This statement is not an endorsement of this program or its sponsor.
The IBA is recognized by the Illinois Department of Financial and Professional Regulation as a public accountant continuing professional education sponsor. Public accountants licensed in the state of Illinois will earn 35 credits of continuing professional education credit for attending the five-part series (7 credits per program).
Audience Compliance Officers and Managers, Consumer Lenders, Residential Real Estate Lenders, Personal and Retail Bankers, Operations Officers, Legal Counsel, Auditors, and Cashiers
Fees Per Person
Full Series M $1,225 / NM $2,045
Individual program M $265 / NM $445
ILLINOIS BANKERS ASSOCIATION 4
IBA’s Operations School, presented by Wipfli LLP, provides backroom operations representing a critical core function of any financial institution. For a bank to run its operations effectively, reduce costs, and decrease transaction error, its staff must be well-versed in the fundamental principles governing bank operations. This school provides a comprehensive framework to examine the processes that support bank services while incorporating industry best practices. Details
WEDNESDAY, OCTOBER 8
Presented by Kathy Enbom, CRCM, Principal
• Understanding Payment Systems
• Organizational Management
• Operational Compliance Issues
THURSDAY, OCTOBER 9
Presented by Janice Harden, Internal Audit Manager and Traci Lohse, CIA, Manager
• Analyzing & Understanding Your Bank’s Statement of Condition
• Internal Controls and Practices
FRIDAY, OCTOBER 10
Presented by Mark Scholl, Principal
• Cybersecurity Hot Topics
• Disaster Recovery & Business Continuity Planning
• Third Party Risk Management
• New Technologies
• Regulatory Updates and Hot Topics
AUDIENCE Bankers who are involved in and/or manage operational functions in their bank are encouraged to attend. The school is ideal for operations officers and heads of operations, branch managers, cashiers and assistant cashiers, bookkeeping supervisors, teller supervisors, and head tellers.
Per Person Fees
IBA Members - 3 Day School $745 | Individual program $265 Nonmembers - 3 Day School $1245 | Individual program $445
Internal Bank Audit School
December 10-11 – Indianapolis, IN or Virtual
This timely, two-day program provides innovative business solutions in the areas of assurance, benefit plan services, financial advisory, forensic services, performance services, risk consulting, and tax consulting. This school is formatted to provide detailed guidance over current regulatory hot topics such as vendor risk management, model risk management, interest rate risk, and liquidity risk including internal audit techniques. It will also cover more traditional audit concepts such as lending and communicating effective audit results but include recent trends in those areas. The final portion of the program will cover bank audit committee responsibilities.
Peer Group
Compliance Peer Group
July 12, October 11
These forums provide an opportunity for bankers to constructively examine pressing issues, exchange ideas, and share solutions among colleagues in a comfortable and professional environment.
Seminars
Advanced BSA/AML Academy
May 21-22 – Springfield or Live Streamed
This two-day program focuses on the latest changing BSA arena and provides tips and tools to develop and manage an “adequate” and “effective and reasonably designed” BSA program. Attendees will receive a training program manual, an updated FFIEC BSA/AML Examination Manual, a Resource Manual (packed with examples, forms, templates, and handouts), and opportunities to network with peers on current challenges and trends.
Day 1 | Topics
Recap of Major BSA/AML Trends
Update of BSA Reform and Priorities – National Defense Authorization Act
FinCEN Updates and Impact of the FFIEC BSA/AML Examination Manual
Preparing for the BSA/AML Examination – Learning from Recent Enforcement and Audit Findings
BSA/AML Compliance Risk Assessment
Updating the Bank’s BSA/AML Compliance Program
Day 2 | Topics
What are the Examiner’s and Auditor’s BSA/AML Pulse Points?
High-Risk Products and Services and “Other Illicit Financial Activity”
Update on Cannabis Banking – From Hemp to Delta 8 to Weed
BSA and Fraud Coming Together and Cyber Crime
Hot Topics – Elder Abuse and How It Is Tied to Human Trafficking
Peer AML Monitoring Discussion and Breakout Sessions
OFAC and Sanctions Compliance Update
What’s Ahead in 2024 – Tips, Tools, and Takeaways
Audience
BSA/AML offices, compliance officers, fraud team members, and auditors.
Fee Per Person
M $505 / NM $875
ILLINOIS BANKERS ASSOCIATION 5
Schools/Series
Seminars
The Dos and Don'ts of Guaranties June 5 – Live Streamed
Are you confident in obtaining, retaining, and enforcing a guaranty? A guaranty often plays a crucial role in making credit facilities possible. Our seminar will equip you with the knowledge and skills to handle a guaranty effectively in everyday transactions. By attending, you can avoid common errors and ensure the success of your credit facilities. Don't miss this opportunity to enhance your professional capabilities. This program will answer the following questions and some others as well:
What are the requirements for a valid guaranty?
What kinds of guaranties are there?
Where and when should a guaranty be signed?
Does a guaranty apply to a renewal note?
Does the transfer of a note also transfer its related guaranty?
Can you change the loan terms without releasing the guarantor?
Can a guarantor be released without releasing a coguarantor?
How does a release of certain collateral affect a guarantor?
How does the failure to perfect a security interest in loan collateral affect a guarantor?
When should a Reaffirmation of Guaranty be used?
Must a bank sue a defaulted borrower before pursuing a guarantor?
Can you recognize a guarantor's revocation of a guaranty?
How does the death of a guarantor affect his/her liability?
Does a failure to liquidate loan collateral in a commercially reasonable manner affect a guarantor's liability?
What are the bank's obligations to a guarantor?
Does a borrower's bankruptcy filing discharge the guarantor from liability?
Fee Per Person
M $195 / NM $325
Real Estate Lending Compliance Workshop
July 30-August 2 – Live Streamed 8:30 a.m. to 12:30 p.m. CT
Topics
Truth in Lending Act (Regulation Z) – includes the Pandemic guidance, revisions to ability-to-repay/qualified mortgage rules and escrow requirements for HPML, and recently updated thresholds.
Real Estate Settlement Procedures Act (Regulation X) –includes a review of the recent Section 8 (unearned fees and kickbacks) FAQs.
Equal Credit Opportunity Act (Regulation B) - includes an update on the status of the revised residential mortgage loan application, Pandemic guidance, and the interim rule on sex discrimination.
Fair Housing Act - includes a review of recent redlining cases.
Home Mortgage Disclosure Act (Regulation C).
Flood Insurance Rules – includes new and revised Q & As. Fair Credit Reporting Act – Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act); and Unfair, Deceptive, or Abusive Acts or Practices, including the revocation of the clarification of the abusive standard.
Fee Per Person
M $505 / NM $875
Appraisal and Evaluation Compliance
August 6 – Springfield or Live Streamed
This session lays the foundation for risk management and is essential to anyone involved in the appraisal and/or evaluation function at a bank, whether they are actively ordering/managing/reviewing appraisals, performing/ordering evaluations, or involved in real estate lending risk management. You will be updated on current regulations and agency guidance, including state laws on evaluations and AMCs. It will focus on the significant topics of today, including Reconsideration of Value and Bias in the Appraisal Process, in addition to discussing hot topics with examiners.
Federal Laws and Agency Guidance
EGRPRA
PAVE Task Force – Appraisal BIAS
Reconsideration of Value (ROV)
State Regulations
Appraiser Certification Law
Are evaluations allowed?
Who can perform evaluations?
Appraisal Exemptions
Evaluations vs. Appraisals
Abundance of Caution
Appraisal Validations (data resources)
GSE rules and recent form changes
Waivers
Inspections
ANSI Measurement Requirements
The Appraisal Foundation Document Changes
USPAP 2024
Real Property Appraiser Qualification Criteria
Policy and Procedure Development
Engagement letters
Review forms
Risk Breakpoints
Solutions!
Hot Topics for Regulators
Audience This program is a must for anyone involved in a bank's appraisal/evaluation function, whether they are actively ordering/managing/reviewing appraisals, performing/ordering evaluations, or engaged in real estate lending risk management. Appraisal Dept. members, evaluators, compliance officers, risk managers, and underwriters must know the rules and guidance. Lenders may want to attend so they, too, can understand the appraisal function and learn what product is needed, what level of review is required, and what examiners are looking for when they review the appraisal and evaluation function.
Facilitator
Cheryl Bonnaffons Bella, MAI, AI-GRS, AQB Certified USPAP Instructor, and Certified Appraiser
Fee Per Person
M $265 / NM $445
Security Officer Workshop
August 13 – Springfield or Live Streamed
August 15 – Oak Brook
Fee Per Person
M $265 / NM $445
ILLINOIS BANKERS ASSOCIATION 6
Seminars
Call Report Preparation
August 14 – Springfield or Live Streamed
August 15 – Oak Brook
This seminar focuses on equipping community banks with the fundamental knowledge necessary for completing an accurate and efficient Call Report. The presentation will guide call report preparers through the complicated instructions and provide clarity to common reporting challenges. Participants will gain a deeper understanding of how the balance sheet schedules support and affect risk-weighted assets and regulatory capital calculations. Insights into current and upcoming revisions, accounting changes, how to get the most out of available technology tools, strategies for sharing preparation responsibilities, training a knowledgeable backup, and reporting challenges from changing regulatory rules.
Agenda
General Information Related to Call Report
Basics and Reminders
Review of Income Statement Schedules
RI, Report of Income
RI-A, Changes in Equity Capital
RI-B, Charge-offs, and Recoveries on Loans and Leases
RI-E, Explanations
Review of Balance Sheet Schedules
RC, Balance Sheet
RC-B, Securities
RC-C, Loans, and Leases
RC-F, Other Assets
RC-G, Other Liabilities
RC-K, Quarterly Averages
RC-L, Off-Balance Sheet Items
RC-M, Memoranda
RC-N, Past Due, and Non-Accrual Assets
Review of Regulatory Capital Schedules
RC-R Part I, Regulatory Capital Components
RC-R Part II, Risk-Weighted Assets
Review of Other Schedules
RC-E, Deposit Liabilities
RC-P, 1-4 Family Residential Mortgage Banking Activities
RC-S, Servicing Securitization and Asset Sale Activities
Schedule SU – Supplemental Information
Other Call Report Topics
Ongoing CECL Impact on the Call Report
Data integrity and work papers
Industry hot topics
Audience
Call report preparers and reviewers, including regulatory reporting specialists, staff accountants, controllers, internal auditors, CFOs, and financial analysts.
Facilitator
Danielle (Heidemann) Damon (CIA), Manager in the Financial Services/Operations Performance practice at Wipfli LLP
Fee Per Person
M $265 / NM $445
Compliance Management System (CMS) Essentials
August 20 - Live Streamed
Today’s financial institutions must have sound compliance management systems (CMS). From making sure everyone is following policies and procedures to training staff to tracking, understanding, and implementing new regulations and predicting the impact of proposed rules, it’s a never-ending exercise in organization and education. That’s why federal regulators require financial institutions to have a CMS. While each agency has its own definition of a CMS, it all boils down to one simple concept: how a financial institution manages consumer compliance risk. This program provides a practical, risk-based review of the basic requirements of a CMS.
Topics
A review of the basic requirements of a CMS and tailoring them to your financial institution.
How changing regulatory requirements pose a risk if not tracked and managed properly.
Breaking down institutional silos to build and maintain a better CMS.
Reviewing, testing, and monitoring operations to ensure requirements are working as intended.
Training business units.
Correcting and preventing consumer harm.
Fee Per Person
M $265 / NM $445
Performing Your ACH Audit
August 27 – Springfield or Live Streamed August 28 – Oak Brook
Have you ever wondered what specific areas of the ACH rules are included in the ACH audit requirements? What are the most common areas of non-compliance? Attending this session will arm you with "inside" information on how to best comply with Nacha audit requirements. We will review the Nacha Operating Guidelines and the audit guide step by step to ensure a complete understanding of each requirement.
Which ACH Participants have audit requirements?
Areas of audit compliance for RDFIs
Areas of audit compliance for ODFIs
Common areas of non-compliance issues
Preparation tips and much more
Audience ACH auditors, operations and branch personnel, compliance officers, and AAP candidates.
Fee Per Person
M $265 / NM $445
ILLINOIS BANKERS ASSOCIATION 7
Seminars
CRA Modernization – What’s the Big Deal?
September 5 – Live Streamed
The final rule implementing CRA Modernization is massive, coming in at 1500 pages, and introduces significant changes to CRA. It is critical to get started on the right foot and have a thorough understanding of how CRA Modernization will impact your institution. This comprehensive seminar is designed to demystify the changes to CRA and provide a pathway to compliance with CRA Modernization’s final rule. You’ll come away with the tools to create an effective, sustainable CRA compliance program.
Introduction and Overview of the New Regulation
Come away with a thorough knowledge of the law and what will be expected of your institution going forward.
The New 11 Categories for Community Development
Examine the new categories for community development and how they can be put into practice in your community.
The Three New Assessment Areas and Performance Evaluations
Find out more about the new assessment areas, what they mean for your FI, and how they impact evaluations.
Data Collection, Reporting, and Disclosures
What you should do now and in the next 18 months to prepare for the new and manage the current.
Audience The program is designed for the Board of Directors, senior management, compliance officers, CRA officers, community development staff, bank counsel, and any employees accountable to CRA.
Facilitator Kimberly Boatwright, EVP and Director of Risk and Compliance, Compliance Resource, LLC
Fee Per Person
M $265 / NM $445
Third-Party Management Essentials
September 9 – Live Streamed
Financial institutions have had specific vendor management guidance to follow for decades. Each primary financial institution regulatory body has issued specific requirements for working with third parties. To avoid costly fines, reputation risk, and consumer harm, vendor management must be embedded in all lines of business. Siloed approaches to vendor management are outdated. This program provides a thorough review of the basic requirements and guidance for sustaining a compliant and risk-based program.
Topics
Third-party vendor and Compliance Risk
Essential elements every vendor management program should have.
The most common vendor management missteps. Ways to reduce risk across the vendor management lifecycle.
Fee Per Person
M $149 / NM $249
The Illinois Trust Code: Highlights for Fiduciaries
September 11 – Live Streamed
Full details are coming soon.
Fee Per Person
M $265 / NM $445
HSA Workshop
September 12 – Live Streamed
Attend the HSA Workshop, presented by Ascensus, for a comprehensive HSA curriculum and a practical understanding of critical rules and operational issues. This workshop covers all aspects of a successful HSA program.
Introduction to HSAs
Establishing an HSA
HSA Funding
HSA Distributions
HSA Portability
HSA Compliance
Who Should Attend You should attend this seminar if you: need to become more comfortable with HSA rules, are responsible for ensuring a compliant HSA department, or are responsible for internal systems, HSA transaction codes, and proper HSA administration.
Facilitator
Jeff Aga, Senior ERISA Consultant with the ERISA Technical Support Department at Ascensus
Continuing Education
ABA Professional Certification - 7.25 credits for CISP, CRSP, and CTFA
Fee Per Person
M $265 / NM $445
IRA Essentials
October 9 - Oak Brook
IRA Essentials, facilitated by Ascensus, gives attendees a solid foundation of IRA knowledge. Exercises are included throughout the day to help participants apply information to jobrelated situations. Attendees will leave this session to work with IRA owners and process basic IRA transactions with confidence. This is a beginner’s session; no previous IRA knowledge is assumed. Attendees should have access to a hand-heldcalculator.
Topics
Introduction and Establishing IRAs
IRA Funding
IRA Distributions
IRA Portability
ContinuingEducation
ABA Professional Certification 7.25 credits CISP, CRSP, CTFA
Fee Per Person
Clients of Ascensus qualify for the IBA member rate.
M $265 / NM $445
ILLINOIS BANKERS ASSOCIATION 8
Seminars
Advanced IRAs
October 10 - Oak Brook
Advanced IRAs, facilitated by Ascensus, build on the attendees’ basic IRA knowledge to address some of the more complex IRA issues their financial organizations may handle. This is an advanced session; previous IRA knowledge is assumed. The instructor uses real-world exercises to help participants apply information to job-related situations.
Topics
IRA Update
IRA Excess Contributions
Required Minimum Distributions
Beneficiary Options
Advanced Portability
ContinuingEducation
ABA Professional Certification 7.25 credits CISP, CRSP, CTFA
Audience
You should attend this seminar if you are an IRA administrator, personal banker, or member services personnel with a working knowledge of basic IRA operations and wishes to expand your expertise and provide enhanced customer service.
a financial professional who recognizes that IRAs play an integral role in retirement planning.
a compliance specialist with procedural oversight of IRA policies and practices; or support personnel responsible for promotional materials that describe the services provided by your financial organization.
Fee Per Person
Clients of Ascensus qualify for the IBA member rate.
M $265 / NM $445
BSA/AML Yearend Wrap-Up
October 29-30 - Live Streamed
The focus of this program is to provide an update on the BSA/AML emerging trends and hot topics. Valuable information, tools, resources, and networking opportunities will be provided to refresh and refocus the bank’s BSA Compliance program and prepare for the next BSA examination and audit. Attendees will participate in case studies, review “real world” situations, and develop “takeaways” that can be implemented back at their banks.
ACH Exception Handling
November 6 - Springfield or Live Streamed
November 7 - Oak Brook
Although ACH is generally an automated process, there is always the possibility of exceptions. As a receiving institution, we have no control over the types of entries sent to us, so we must decide the best way to handle the situation. Join us as a WACHA expert guides you through the best course of action to take in exception processing from returns to notifications, plus new rules and requirements.
Audience ACH Operations, AAP Candidates, Compliance Officers, and ACHAuditors
Fee Per Person
M $265 / NM $445
ABA Training
Online Instructor-Led
Legal Foundations in Banking
This course covers critical legal requirements affecting banks and bankers and core language that must be understood to be effective. It provides the necessary legal knowledge that every banker should know. This is a foundation course in the legal structure and basis for commercial banking, designed for new bankers, banking managers, or those transacting business directly with customers.
M $810 /NM $980 Start Dates – 9/9
Online Self-Paced
CRCM Online Exam Prep
This course features audio and video lessons, readings, an online discussion board, access to a virtual instructor, and practice tests. Self-assessment tools and confidence meters provide individual feedback to help you concentrate your study time where you need it the most, and a countdown meter helps keep you on track as you progress towards your exam date. All lessons can be completed at your own pace and are available entirely online.
What You'll Learn After completing this course, students will be able to:
Demonstrate your compliance expertise in sample scenarios aligned to the exam domains
Practice your aptitude in completing tasks in each knowledge area
Evaluate your knowledge of crucial compliance topics, processes, and management expectations
Prepare for the actual exam and know what to expect from sample tests that include real exam questions
Access resources that you will leverage in your role of compliance manager (purchased separately)
Audience Individuals are preparing to take the Certified Regulatory Compliance Manager (CRCM) Exam. Check here to see eligibility requirements
M $895 / NM $1,045
ILLINOIS BANKERS ASSOCIATION 9
Active Aggressor for Employees
Active Aggressor for Managers
ADA Accessibility
ADA Interacting with People Who Have Disabilities
ADA Overview and Employment
Advertising: CAN-SPAM Act
Advertising: Overview for Marketers
Appraisals: FIRREA and Interagency Guidelines
Appraisals: Reg Z Requirements
Bank Bribery Act
Bank On: Opening the Door to Opportunity
Bank Protection Act
Banking Law and Referrals
Best Practices for Managing Remote Employees
BSA/AML: Beneficial Ownership and Customer Due Diligence
BSA/AML: CIP Advanced
BSA/AML: CIP Basics
BSA/AML: Communicating with Customers about CTRs
BSA/AML: Completing the CTR
BSA/AML: Exempting Customers from CTR Reporting
BSA/AML: Fundamentals
BSA/AML: Recordkeeping - Wires, Money Orders, and Other Challenges
BSA/AML: Reporting
BSA/AML: Risk Assessment and Customer Due Diligence
BSA/AML: SAR Filing
BSA/AML: USA PATRIOT Act
Community Reinvestment Act (Reg BB)
Conscious Bias
Culturally Respectful Customer Service
Cybersecurity Fundamentals
ECOA and Regulation B: Overview
Elder Financial Exploitation
E-Sign Compliance
Extending Credit to Bank Insiders (Reg O)
Fair Housing Act
Fair Lending
Fair lending for Marketers
FCRA: Adverse Action
FCRA: Affiliate/Third Party Information Sharing
FCRA: Duties of Furnishers
FCRA: Introduction and Overview
FCRA: Medical Information Sharing
FCRA: Notice to Consumers (Risk-Based Pricing)
FCRA: Permissible Purpose
FCRA: Prescreened Offers of Credit
FCRA: Use of Consumer Reports in Employment
FDIC for Marketers
FDIC Insurance Coverage
Flood Disaster Protection Act
Fraud Recognition and Prevention
Good Faith Estimate and HUD-1
Home Mortgage Disclosure Act (HMDA) Overview
Homeowners Protection Act
Human Trafficking and Human Smuggling
Identity Theft Red Flags and Information Security
Leveraging the Benefits of a Diverse Workforce
Military Lending Act
Mortgage Servicing: ARM Notices
Mortgage Servicing: Early Intervention and Continuity of Contact
Mortgage Servicing: Error Resolution
Mortgage Servicing: Escrow Accounts
Mortgage Servicing: Force-Placed Insurance
Mortgage Servicing: Loan Origination and Servicing Transfers
Mortgage Servicing: Loss Mitigation
Mortgage Servicing: Overview
Mortgage Servicing: Payment Crediting and Periodic Statements
Mortgage Servicing: Successors in Interest
Office of Foreign Assets Control (OFAC)
Privacy: GLBA Rule (Reg P)
Privacy: GLBA Safeguards Rule
Privacy: Overview of Laws
Privacy for Customer Contact Personnel
Real Estate Settlement Procedures Act (RESPA)
Recognizing and Preventing UDAAP
Reg B: Appraisals and Other Valuations
Reg B: Creditors’ Requests for Information
Reg B: Evaluating Applications
Reg B: Notifications
Reg CC Check 21
Reg CC Disclosures and Notifications
Reg CC Exceptions to Funds Availability Schedules
Reg CC Funds Availability Schedules
Reg CC Indorsements
Reg CC Subpart C
Reg DD Disclosures and Payment of Interest
Reg DD for Marketers
Reg DD Overdraft Rules
Reg E Consumer Liability
Reg E Consumer Remittances
Reg E Disclosure Requirements
Reg E Error Resolution Requirements
Reg E Gift Cards
Reg E Overdrafts
Reg E Overview
Reg E Payroll Cards
Reg E Preauthorized Transfers
Reg E Prepaid Accounts
Reg F: Fair Debt Collection Practices Act (FDCPA)
Reg W: Affiliate Transactions
Reg Z Adjustable-Rate Mortgages
Reg Z Advertising
Reg Z Advertising for Marketers
Reg Z Credit Cards
Reg Z HELOCs (Open-End Credit)
Reg Z HOEPA and Higher-Priced Mortgage Loans
Reg Z Installment and Home Equity Loans (Closed-End Credit)
Reg Z Mortgages (Closed-End Credit)
Reg Z Non-Home Secured (Open-End Credit)
Reg Z Overview
Reg Z Private Education Loans
Reg Z Reverse Mortgages
Reg Z Right of Rescission
Reserve Requirements for Depository Institutions (Reg D)
Right to Financial Privacy Act (RFPA)
Robbery and Bank Security
Servicemember Civil Relief Act (SCRA)
Sexual and Workplace Harassment
Sexual and Workplace Harassment for Managers
Social Media for Marketers
Social Media: Managing the Risks
Telephone Consumer Protection Act (TCPA)
The S.A.F.E. Act - Secure and Fair Enforcement for Mortgage Licensing Act
TILA-RESPA Integrated Disclosures
UDAAP for Marketers
Unlawful Internet Gambling Enforcement Act (UIGEA) (Reg GG)
ILLINOIS BANKERS ASSOCIATION 10 Online
Self-Paced
ABA Training
Certificates
Certificate in BSA and AML Compliance
Improve your ability to detect and prevent suspicious and criminal activity with this overview of the types of criminal behavior commonly used against banks, including in-depth training on the applicable U.S. laws and regulations governing money laundering. The curriculum is designed to be a refresher for experienced financial crimes professionals who wish to take the Certified AML and Fraud Professional (CAFP) exam. It may be required for those individuals with less than five years of experience in the field.
Required Courses
Introduction to BSA/AML
SARs and Information Sharing
Currency and Correspondent Banking Accounts
Electronic Banking and Funds Transfer Activities
Higher Risk Accounts and Activities
BSA Requirements for Business Accounts
BSA Requirements for Foreign Customers and Accounts
Components of an AML Compliance Program
International Partners in AML
Office of Foreign Assets Control (OFAC)
M $1,595 / NM $2,095 NM
Certificate in Compliance Essentials
Gain a thorough understanding of key compliance essentials, including how to identify regulations and understand critical laws.
Required Courses for Compliance Professionals
Navigating Laws, Rules, and Regulations
BSA/Anti-Money Laundering
Digital Compliance for Compliance Professionals
Elements of a Compliance Program
Office of Foreign Assets Control (OFAC)
Privacy/Information Sharing
Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
Community Reinvestment Act, Community Bank (CRA)
Community Reinvestment Act, Large Bank (CRA)
Fair Debt Collection Practices Act
Bank Bribery Act
Bank Protection Act
Title III of the Americans with Disabilities Act
CAN-SPAM Act
M $1,995 / NM $2,595 NM
Certificate in Deposit Compliance
Gain a thorough understanding of crucial deposit regulations and the ability to identify and respond to compliance requirements. Get unlimited access to all course content for 12 months - including updates on new issuances and regulation changes made within that year.
Required Courses for Compliance Professionals
Electronic Funds Transfer Act (Reg E)
Expedited Funds Availability Act (Reg CC)
Reserve Requirements for Depository Institutions Act (Reg D)
Truth in Savings Act (Reg DD)
FDIC Coverage
Federal Benefit Payment Garnishment Rule FFIEC
M $995 / NM $1,295 NM
Certificate in Financial and Credit Risk Management
This certificate includes seven courses covering the foundational aspects of financial and credit risk management. The financial risk courses provide principles for understanding and managing interest rate and liquidity risks. The credit risk courses teach core methods for identifying, measuring, monitoring, and controlling risk levels within retail, commercial, and agricultural lending and addressing other sources of credit risk.
Required Courses
Financial Risk Management: Interest Rate Risk
Financial Risk Management: Liquidity Risk
Introduction to Credit Risk Management
Credit Risk Management: Managing, Monitoring, and Measuring
Credit Risk Management: Retail Lending
Credit Risk Management: Commercial and Agricultural
Lending
Credit Risk Management: Other Sources of Credit Risk
M $1,295 / NM $1,795
Certificate in Fraud Prevention
In-depth training on the applicable U.S. laws and regulations governing fraud and an overview of the types of criminal behavior commonly used against banks. They are designed to be an excellent refresher for experienced financial crimes professionals who wish to take the Certified AML and Fraud Professional (CAFP) exam. They may be required for those individuals with less than five years of experience in the field
Required Courses
Introduction to Fraud Management
Establishing a Fraud Prevention Program
Types of Fraud and Prevention Strategies
Operating a Fraud Prevention Program
Maintaining a Compliant Fraud Prevention Program
M $795 / NM $1095
Certificate in Lending Compliance Core Concepts
Demonstrate to bank management and examiners you have a thorough grounding in crucial lending regulations and the ability to identify and respond to compliance requirements. Includes any updates on new issuances and regulation changes made within that year.
Required Courses for Compliance Professionals
Credit Card Regulations
Loans to Insiders (Reg O)
Reg Z Foundations and Closed-End Non-Mortgage Credit
Fair Credit Reporting Act (FCRA)
Equal Credit Opportunity Act (ECOA)
Reg Z Open-End Credit
Servicemembers Civil Relief Act (SCRA)
Military Lending Act
M $1,095 / NM $1,395
ILLINOIS BANKERS ASSOCIATION 11
ABA Training
Certificates
Certificate in Mortgage Lending Compliance
Gain a thorough understanding of key mortgage regulations, and the ability to identify and respond to mortgage lending compliance requirements.
Required Courses for Compliance Professionals
Fair Credit Reporting Act (FCRA)
Equal Credit Opportunity Act (ECOA)
Reg Z Open-End Credit
Servicemembers Civil Relief Act (SCRA)
Military Lending Act
Home Mortgage Disclosure Act (HMDA)
Real Estate Settlement Procedures Act (RESPA)
Flood Disaster Protection Act
Reg Z TILA RESPA Integrated Disclosures (TRID)
Reg Z Ability to Repay (ATR) and Qualified Mortgage (QM)
Reg Z Closed-end Mortgage Credit
Fair Housing Act
Homeowners Protection Act
Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)/Regulation G
M $1,995 / NM $2,595 NM
Certificate in Operational Risk Management
Address training needs across the bank's three lines of defense and maintain a robust operational risk management program. Understand the fundamental governance structures, procedures, controls, and cultural aspects necessary for an institution to manage operational risk successfully.
Required Courses
Elements of an Operational Risk Management Program
Cybersecurity Management
Fraud and Criminal Threats
Incident Management and Resilience
Operational Risk Model Management
Oversight and Management of Operational Risk Payments and Settlements
Physical Security
Regulatory Exam Management
Risk Control and Self-Assessment
Vendor Risk Management
M $1,595 / NM $2,095 NM
Certificate in Risk Management Frameworks
Each course walks through a critical process in sufficient detail for a targeted yet integrated view of risk management activities vital to an institution, such as establishing an effective governance process followed by risk identification, measurement, evaluation, monitoring, controls, and reporting.
Required Courses
Introduction to Enterprise Risk Management Board and Senior Management Oversight
Enterprise Risk Management Reporting
Risk Policies, Procedures, and Limits
Risk Management Control Framework
Risk Identification
Risk Measurement and Evaluation
Risk Mitigation
Risk Monitoring
M $1,395 / NM $1,895
Resources
/ References
IBA Compliance Connection®
Illinois bankers are constantly challenged with new laws, regulations, enforcement trends, and other pressing compliance concerns. We have an exciting resource to help you IBA Compliance Connection® a free website for all employees of IBA member banks that will quickly become your “go-to” source for banking compliance information, guidance, and support every day!
What You'll Find on the IBA Compliance Connection®
More than 200 (and growing!) Topic Pages covering a broad spectrum of compliance matters, indexed by bank process and function, together with all relevant laws and regulations
Over 4,000 (and growing!) original IBA Q&As, together with relevant articles, court decisions, and more
A developing Forms Library with sample policies, procedures, checklists, worksheets, and other forms
The latest in Compliance News, with daily updates from the IBA Law Department
A Law Resource Library compiling the best legal resources on the internet
And best of all, the IBA Compliance Connection® is FREE for all employees of IBA member banks! If your bank is an IBA member, you are an IBA member!
Sign Up Today at www.GOTOIBA.com!
Regulatory University
Free Online Compliance Training | Powered by FIS
An Exclusive Benefit for IBA Member Banks and Thrifts
All your employees can enroll in free online coursework to stay informed of those constantly changing laws and regulations! IBA member banks and savings banks that enroll in this complimentary training have access to nearly 100 interactive courses in key regulatory areas. Your in-house program administrator can enroll employees, assign customized course programs, and run sophisticated management reports to monitor each employee’s progress while enabling your organization to determine additional training needs.
By participating in this program, you can demonstrate to examiners that your organization has a thorough and ongoing company-wide training program! Regulatory University is the only online training solution that ALL industry regulators use today. Most recently, the Consumer Financial Protection Bureau has trained their examiners and consumer response team through Regulatory University! Enroll Today!
Reference Guide to Regulatory Compliance, 33rd Ed.
The Reference Guide to Regulatory Compliance is an ideal resource for compliance managers, department staff, product managers, and retail branch banking managers. The Guide is updated annually, giving you timely and relevant updates at your fingertips. Updates to the 33rd Edition include:
Regulation B (ECOA) with final Dodd-Frank Act Section 1071 requirements
Advisories on Predatory and Subprime Lending (including the Payday Lending Rule)
Real Estate Settlement Procedures Act (RESPA)
Truth in Lending Act (Reg Z)
Bank Secrecy Act/Anti-Money Laundering
And many more! View the Table of Contents (PDF) 3-hole punched Paper Version or Adobe Digital Reader eBook M $375 / NM $525
ILLINOIS BANKERS ASSOCIATION 12
Lending: Ag, Commercial,
Consumer and Residential
Conferences
Ag Banking Conference
August 21-22 – Crowne Plaza, Springfield, IL
Ag lending requires highly specialized lending skills and an understanding of the unique markets available to farmers in Illinois. As in all other industries, ag banking is constantly changing. This annual conference addresses these and other important issues to increase your knowledge and improve your ability to serve ag customers. More
Advanced Ag Lenders Conference
September 11-12 - DoubleTree by Hilton East, Lafayette, IN
Several key issues for agriculture loom on the horizon for agriculture. First, the next farm bill is on the horizon. Since the last farm bill was passed, we’ve had trade wars, a pandemic, and a change in leadership for the federal government. Secondly, input prices remain at elevated levels with commodity prices stagnating which has led to lower expectations for net farm income across much of the U.S.
The ONE Conference
March 13-14, 2025 – Bloomington, IL
Your ONE-stop shop for developing professional skills for your team's key bank functions. Each attendee creates their own custom learning experience with session choices unique to their role: Marketing, Financial Management, HR, Leadership, Lending, Retail, and Tech & Ops. More details coming soon!
Peer Group
Lending Peer Group
July 24, October 23
This forum offers an ongoing platform throughout the year for developing peer networks and a strategic exchange of thought leadership, addressing current, and developing lending opportunities and challenges. The program highlights a rotation of industry speakers and roundtable discussions by peers all relating to lending practices, risk management, and the ever-changing regulatory, competitive, and economic lending conditions.
Fee Per Person (Includes Both Sessions)
Members Only $400 Substitutions Permissible
Schools
Commercial Lending School
October 21-25 - Springfield orLive Streamed
This program prepares your team to serve effectively and profitably as commercial loan officers by providing participants with the knowledge needed to evaluate, structure, and negotiate a commercial loan.
Topics
Foundation Concepts in Lending
Understanding the Borrower’s Business Evaluating Management
Assessing the Risks Facing the Borrower
Assessing Borrower Financial Performance
Projecting Future Performance
Loan Structure and Support
Responsible Commercial Real Estate Lending
Identifying and Managing Problem Loans
Effective Relationship Management
Facilitators
Mark Tyrpin, President and CEO, Mercantile Bank in Quincy Derrick Jackson, EVP & Chief Credit Officer, First Savings Bank
Fee Per Person
M $1,225 / NM $2,045
Midwest Agricultural Banking School
December 2-5 - Purdue University, West Lafayette, IN
The school delivers a solid foundation in agricultural credit principles and the timeliest topics of the day, all with a minimum investment of time and money! The curriculum is designed to provide you with the practical aspects of agricultural credit and finance, farm management, marketing related subjects. The development and implementation of this curriculum has involved hundreds of bankers and has resulted in a nationwide system of quality banker education
ILLINOIS BANKERS ASSOCIATION 13
Series
Retail Lending Series
March 14, April 10, May 23, June 20 – Live Streamed
This series prepares retail lenders to have more informed and effective conversations with credit partners and build stronger, more profitable relationships with customers. Participants learn to apply underwriting, compliance, and documentation principles through real-life case studies, examples, and practice problems. Lenders will learn sales and service strategies to prepare them to build and deepen customer relationships, grow safe and sound loan portfolios, and positively contribute to bank profitability.
Session I: Introduction to Retail Lending
Today’s Retail Lending Environment
Loan Purpose and Types of Lending
Types of Retail and Consumer Loans
Types of Borrowing Entities and Parties to a Loan
5 C’s of Lending/Credit Analysis
Evaluating the Source of Repayment
Determining Information Needed to Evaluate a Loan Request
Analyzing the Loan Application/Personal Financial Statement
Defining the Ability to Repay
Evaluating Collateral
Session II: Analyzing Cash Flow and Tax Returns
Why ALL Retail Lender/Consumer Lenders Should Be Knowledge of Personal and Business Tax returns and Cash Flow Analysis
Calculating Debt to Income, Debt Service Coverage, and Global Debt Service Coverage
Financial Accounting 101: Interpreting Business
Financial Statements
Personal Tax Returns and Key Schedules
Business Tax Returns and Key Schedules
What is a K-1 and When to Request It
Session III: Retail Lending Compliance, Documentation and Portfolio Management
Overview of Key Lending Legislation and Compliance Regulations
Retail Loan Policy, Procedures, and Pricing
Writing Effective Credit Memos
Essentials of Loan Documentation
Retail Loan Portfolio Management
Problem Loan Workouts
Session IV: Building Client Loyalty and Growing the Bank
The Emerging Customer Experience
Building Customer and Other Stakeholder Relationships
Becoming a Trusted Advisor: Moving from Order Taker to Relationship Builder
Providing “WOW!” Service
New Business Development, Networking, and Growing Your Portfolio
Building Client Loyalty, Deepening Relationships, and Growing the Bank Beyond Loans
Fees Per Person
M $995/ NM $1,665 Full Series
M $265/ NM $445 Individual Programs
Essentials of Commercial Credit Analysis Series
April 16-17, May 14-15 – Springfield or Live Streamed
This series provides bankers with foundational principles for effective commercial and real estate lending, commercial credit analysis, underwriting, and loan review. Each session prepares bankers to analyze credits successfully and make wise, evidence-based loan recommendations, where they must have the skills and flexibility to respond to a wide range of loan requests.
Introduction to Commercial Lending and Financial Accounting
Lending in Today’s Community Bank
5 C’s of Credit Evaluation: Capacity, Character, Capital, Collateral, Conditions
Types of Borrowers/Legal Entities
Defining the Borrowing Need and Sources of Repayment
Commercial Lending Lines of Business
Types of Commercial Loans and Loan Structuring
Financial Accounting 101 for Lenders
Types and Quality of Financial Statements
Evaluating Guarantor Support and the PFS
Getting a Complete Loan Application
Analyzing Tax Returns and Calculating Traditional Cash Flow
The Application of Traditional Debt Service Coverage
Calculating Debt to Income for Consumer Loans to Commercial Borrowers
Calculating Debt Service Coverage and Policy Considerations
Calculating Global Debt Service Coverages for Business Owners/Guarantors
Commercial and Consumer Fair Lending Compliance in Underwriting
Analyzing Personal Tax Returns and Key Schedules
Analyzing Business Tax Returns: LLC, S-Corp, C-Corp
When and Why to Request K-1’s
Lessons Learned: CRE Problem Loans
Financial Statement Analysis, Direct (UCA) Cash Flow
Analysis, Working Capital, and C&I Lending
Trend Analysis, Common-Size Analysis, Ratio Analysis
Balance Sheet and Impact of Changes on Cash Flow
Analyzing Working Capital
Cash Conversion Cycle
Key Differences in Analyzing C&I and CRE Loans
Analyzing and Monitoring Loans Secured by Inventory and Account Receivable
Projecting Future Income and Cash Flow
Lessons Learned: C&I Problem Loans
Putting It All Together: Credit Memos, Loan Grading, Portfolio Management, and Effective Communication
Writing Effective Credit Memos
Assessing Risk and Mitigation Strategies
Proper Loan Grading
Ongoing Loan Monitoring, Exception Management, and Loan Review
Problem Loan Workouts
Effectively Communicating with Credit Partners
Building Loyal Client and Stakeholder Relationships
Fees Per Person
M $995/ NM $1,665 Full Series
M $265/ NM $445 Individual Programs
ILLINOIS BANKERS ASSOCIATION 14
Seminars
Sales Excellence Bootcamp: Helping Bankers Become Elite Business Developers
May 16-17, – Springfield, or Live Streamed
Joe Micallef has been a successful banker and business developer for over 30 years, achieving record results year after year for his bank and his customers. In a highly competitive banking market, the secret to Joe's success has been to differentiate himself as a financial adviser that his customers and prospects proactively seek to help them with all their financial challenges and goals. Many bankers struggle each year to achieve their growth targets and personal goals because they do not know how to position themselves as valuable finance professionals.
How are you engaging your prospects and getting more meetings?
How well can you articulate your unique value proposition?
How impactful are your customer meetings?
How persuasive are your proposals?
How do you overcome objections?
Joe will share practical business development tips and tools that will help you easily grow your customers and win more business at the price you want year after year. Commercial bankers, retail officers, financial planners, and home lenders walk away from Joe's two-day sales bootcamp with greater sales confidence and ideas to elevate their career success and more effectively grow their bank.
During this highly interactive, enlightening, and energizing twoday workshop, attendees will develop the following skills, behaviors, and beliefs:
Day ONE - Getting More Meetings
Understand Personal Motivation & Build Sales Confidence
Create a Powerful Target List & Value Proposition
Develop a Better Prospecting Script & Cadence
Consistently Gain More Quality Referrals
Become a More Influential Networker
Day TWO - Winning More Customers
Adopt a Better Sales Meeting Process
Ask Powerful Questions
Create & Present Compelling Proposals
Closing Techniques & Overcoming Objections
Develop a P.L.A.N. for Greater Success
Audience and Program Benefits
A must-attend event for all bankers in a business development role.
Achieve an immediate return on investment that will include more customers, more rewards, and more job fulfillment.
Receive a copy of Joe's presentations and a workbook filled with proven sales models, templates, and scripts to help them gain immediate results.
Direct access to Joe Micallef for up to 30 days after the bootcamp to review their workbook exercises and discuss any specific sales challenges.
Fee Per Person
M $505 / NM $875
Online Training
Breaking into Banking Powered by Keusal Learning Credit Officers and Commercial Training Managers Here’s How to Build Skillful and Productive Commercial Bankers from Day 1… GUARANTEED Focusing on the reality of the banking world over textbook portrayals of the business, these courses will equip you with critical concepts and banking terminology. They show you how it all fits together.
Breaking into Banking 101: Fundamentals of Commercial
Banking This 10-module online course is broken into easyto-digest lessons covering everything you need to know to get hired, start quickly, and advance in your new career. Andy gives you the inside scoop on what banks want from you and how you can immediately differentiate yourself from others new to the industry.
Breaking into Banking 201: Analyzing Repayment Sources
This 9-module online course is a “sequel” to the 101 course and is best taken after completing that course, though it is not a prerequisite. The 201 course dives deeper into topics covered in modules 4, 6, and 8 of the 101 courses: analyzing a borrower’s balance sheet, income statement, collateral, and risk ratings.
Breaking into Banking for Interns
Unlike our other courses that are appropriate for various audiences of learners, this course was created specifically for college students hired by banks for internships. It assumes no prior knowledge of the subject matter. This course was created specifically to meet that need, and includes a brief overview of retail banking, with a focus on commercial credit and lending. It is an ideal primer for those considering banking as a career.
Audience New credit analysts, lenders, and underwriters, as well as bankers who don’t do credit analysis but need a working knowledge of the process. This may include statement spreaders, loan processors and closers, treasury management associates, administrative support for credit or lending officers, branch managers, and interns.
Learn More Today!
ILLINOIS BANKERS ASSOCIATION 15
ABA Training
Online Instructor-Led
Analyzing Financial Statements
A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer current and prospective and evaluate possible sources of repayment for the loan.
Audience Commercial and business bankers and credit analysts. The recommended prerequisite course is General Accounting.
M $650 / NM $770 Start Dates – 7/22, 12/2
Commercial Lending
Suitable for anyone who wants to learn more about the commercia lending process the backbone of most banks’ lending portfolios. Learn what goes into making a successful commercial loan and how tomanage a customer relationship once the loan is approved.
M $650 / NM $820 Start Dates – 6/10, 10/14
Consumer Lending
It covers forming a loan policy, generating applications, learning about credit investigation, and understanding the evaluation and decisionsthat go into every loan application.
M $590 / NM $770 Start Dates – 7/8, 10/28
Introduction to Agricultural Lending
They are designed to provide students with a basic overview of the agricultural lending function. It helps students have a fundamental understanding of agriculture and ag lending in the financial services industry.
M $575 / NM $695 Start Dates – 9/23
Online Self-Paced
Analyzing Business Financial Statements & Tax
Returns Suite
Courses
Income Statement Analysis
Balance Sheet Analysis
Ratio Analysis
Cash Flow Analysis
The UCA Mode
Cash Budgets and Pro Forma Statements
M $275 / NM $375
Analyzing Personal Financial Statements & Tax
Returns Suite
Courses
Types of Personal Financial Statements
Key Ratios and Adjusted Net Worth
Personal Tax Returns and Cash Flow
Combining Business & Personal Cash Flow into Global Cash Flow
M $275 / NM $375
The Commercial Real Estate Lending Decision Process – Full Curriculum
This series of interactive, web-based courses provide a comprehensive study of commercial real estate (CRE) lending helping you to explore different types of construction loans, identify property characteristics and underwriting considerations, complete NOI calculations and much more! Produced by the Risk Management Association Courses
Appraisals
Construction Lending
CRE Lending Overview
Drivers of Performance
Due Diligence and Documentation
Environmental Assessments
Homebuilder Lending Leases
Loan Structure
Risk Areas
Underwriting - Basics
Underwriting - Different Types of Commercial Properties
Underwriting - Example Calculations
Audience Commercial lenders and credit analysts who are not rea estate specialists but who need to know more about assessing rea estate risk.
M $790 / NM $1,550
Commercial Real Estate Lending Decision ProcessCore Curriculum
The series begins with a description of CRE loan types, then progresses through an understanding of the underwriting process, leases, appraisals, loan structures and related risks. Produced by the Risk Management Association Courses
Appraisals
CRE Lending Overview
Drivers of Performance
Due Diligence and Documentation
Environmental Assessments
Leases
Loan Structure
Risk Areas
Underwriting - Basics
Underwriting - Different Types of Commercial Properties
Underwriting - Example Calculations
Audience Commercial lenders and credit analysts who are not real estate specialists but who need to know more about assessing rea estate risk.
M $735 / NM $1,450
Commercial Real Estate Lending Decision ProcessUnderwriting Bundle
This series of three interactive, web-based courses examine the components and best practices of CRE underwriting. Produced by the Risk Management Association Courses
Underwriting - Basics
Underwriting - Different Types of Commercial Properties
Underwriting - Example Calculations
Audience Commercial lenders and credit analysts who need training in commercial lending underwriting.
M $315 / NM $570
ILLINOIS BANKERS ASSOCIATION 16
ABA Training
Online Self-Paced
Effective Referrals Suite
This suite explores the Effective Referral Model for recognizing, responding to, and revisiting referrals. Completing this suite provides tactics for identifying clues about financial needs and connecting them to appropriate products and services. Concise, impactful lessons can be applied on the job immediately.
M $55 / NM $75
Ethical Issues for Bankers
This cornerstone course is an in-depth exploration of the ethical standards expected of financial service professionals. Master best practices for observing a bank's code of conduct and adhering to federal laws. Develop a sound ethical framework to handle commonly experienced ethical dilemmas. Learn how to make ethically appropriate decisions.
M $55 / NM $75
Fundamentals of Small Business Banking Suite
This suite explores the characteristics, expectations, and operational needs of small businesses. Explore the different legal structures and business types to better understand your small business clients. Discover the different steps in each type of operating cycle and the stages of a small business’ life cycle.
M $95 / NM $130
Handling Mortgage Inquiries and Making Referrals
Describes the primary regulatory compliance Acts that affect mortgage inquiry, counseling, and application phases. Reviews the features and benefits of the most popular mortgage programs, important elements ofdifferent purchase and refinance transactions, and techniques and sample responses to customers for your mortgage referral to the MLO.
M $95 / NM $130
Introduction to Analyzing Financial Statements
Reviews terms and steps associated with analyzing financial statements. Explains how tax returns report income and expenses from another perspective. Examines the computation and meaning of four categories of financial ratios and how ratios are used to spot significanttrends.
M $195 / NM $245
The Lending Decision Process Series
Produced by the Risk Management Association (RMA)
This series gives a foundation in the following areas of study: business and industry risk analysis, management assessment, financial accounting, balance sheet and income statement analyses, ratio trend analysis, cash cycle seasonality analysis, borrowing causes and repayment source assessment, cash flow analysis and using financial projections.
Series 1: Industry, Management, and Economic Influences
Series 2: Interpreting Quality of Financial Reports and Accts
Series 3: Analyzing the Company's Financial Performance and Condition
Series 4: The Cash Cycle, Seasonality and Discovering Borrowing Causes and Repayment Sources
Series 5: Analyzing Cash Flow Statements to Measure Long-Term Repayment Ability
Series 6: Using Financial Projections to Fine Tune the Credit Analysis
M $760 / NM $1,520 Full Series
Loan Structuring, Documentation, Pricing and Problem Loans
This suite of five courses provides guidance on loan structuring and documentation issues in response to the quantitative and qualitative risk analysis. An overview of documents, loan agreements and covenants, as well as negotiating and pricing is included.
M $275 / NM $375
Mortgage Customer Counseling and Prequalification
Describes mortgage counseling and the type of information and techniques to improve communication between the MLO and customer. Reviews mortgage counseling from the transaction-oriented and mortgage program-oriented perspectives. Explains critical areas of review for each step in the prequalification process.
Note: Only MLOs can prequalify customers for a mortgage and take mortgage applications. The CFPB's Loan Originator Rule expands the SAFE. Act definition of "loan originator" and requires certain loan origination activities be performed only by loan originators.
M $95 / NM $130
Personal Tax Return Analysis
Explains how to analyze tax returns to determine a projected income and explores income trends, recurring versus nonrecurring income, andhow tax returns can be used as a sales tool.
M $245 / NM $345
Qualitative Analysis and Determining a Credit Risk Rating Suite
Covers qualitative analysis and how to assess industry risk, market riskand management risk. Learn the role of loan policy and the need to summarize the borrower’s various risks into an appropriate credit risk rating.
The Commercial Lending Process & Initial Business Development Calls
Credit Investigation and Assessing Industry, Market and Management Risk Loan Policies and Procedure, Including Credit Risk Ratings Loan Packages and Credit Write-Ups
M $275 / NM $375
Relationship Sales for Small Business Clients Suites
Gain a solid understanding of ways to meet small business clients’ needs through consultative or needs-based selling. Completing this suite helps develop the key skills needed to create and sustain successful small business relationships. Through a blended-learning approach with micro-lessons, practice exercises and toolkits, lessons can be applied on-thejob immediately.
M $135 / NM $180
Small Business Basics
Guides you through the operating and life cycles of small businesses. Learn the different small business industry types and identify their corresponding traits and financial needs. Explore small businesses’ legal structures and their corresponding traits, advantages, and risk profiles.
M $55 / NM $75
ILLINOIS BANKERS ASSOCIATION 17
ABA Training
Online Self-Paced
Small Business Borrowing Suite
Describes the characteristics of the small business market that make it an attractive source of potential business. This course explores the overall relationship between the borrowing cause, loan purpose, and repayment source to better understand the small business client credit needs.
M $95 / NM $130
Small Business Operating and Life Cycle
Guides you through the steps of the operating cycle. Discover how the steps may vary based on industry type. Explore the stages of the small business life cycle. Get insight into detecting a small business owner’s banking product need during each step of the operating cycle and life cycle.
M $55 / NM $75
Small Business Products Suite
Explore the features and benefits of credit products, retirement products, and treasury management products. Completing this suite develops the key skills needed to create and sustain successful small business relationships. Through a blendedlearning approach with micro-lessons, practice exercises and toolkits, lessons can be applied on-the-job immediately.
M $95 / NM $130
Treasury Management
This course examines how treasury management services organize and control business customers' cash assets to satisfy the financial objectives of the organization. It explains the important role treasury management products and services play in meeting business customers' financial needs.
M $55 / NM $75
Understanding Business Borrowers
Learn how to identify and understand business industries and types and why they borrow money. An introduction to the basic concepts of business financial accounting and entity structures is also covered.
M $275 / NM $375
Certificates
Certificate in Business and Commercial Lending
This online self-paced certificate focuses on financial statement analysis and commercial lending, will familiarize lenders with both audited and unaudited statements, and fill any gaps in your understanding of credit analysis and underwriting.
Required Courses
The approximate time to complete these courses is 33 hours.
Effective Commercial Loan Write-ups
Treasury Management
Understanding Business Borrowers Suite
Analyzing Business Financial Statements and Tax Returns
Suite
Analyzing Personal Financial Statements and Tax Returns
Suite
Qualitative Analysis and Determining a Credit Risk Rating
Suite
Loan Structuring, Documentation, Pricing and Problem
Loans
Suite
IBA/ABA M $1,295 / NM $1,595 Per Person
Small Business Banker Certificate
Develop the key skills for building trusted relationships with business customers. Discover tactics to better engage customers by understanding their needs and being able to offer appropriate solutions. Develop a broad knowledge of small business-specific products.
Required Courses
Estimated time to complete is approximately 11 hours.
Fundamentals of Small Business Banking Suite (2 courses)
Small Business Borrowing Suite (2 courses, 2 exercises + 2 toolkits)
Relationship Sales for Small Business Clients Suite (3 courses, 2 exercises + 1 toolkit)
Small Business Products Suite (3 courses, 1 exercise + 1 toolkit)
Growing Small Business Relationships Suite (2 courses, 1 exercise + 1 toolkit)
Sales Planning Suite (3 courses, 1 exercise + 1 toolkit)
Introduction to Analyzing Financial Statements
Personal Tax Return Analysis
IBA/ABA M $495 / NM $695 Per Person
Residential Mortgage Lender Certificate
Designed for aspiring mortgage lenders and those individuals new to themortgage area of the bank, including mortgage loan clerks, loan processors, and closers.
Required Courses
Estimated time to complete is approximately 22 hours.
Banking Basics Suite
Appraisal Procedures*
Basics of Mortgage Processing*
Determining Your Role in Fraud Prevention*
Discovering FHA Programs*
Effective Referrals Suite
Essentials of Mortgage Lending*
Ethical Issues for Bankers
Explaining Loan Modifications*
Mitigating Potential Fraud in Your Organization*
Mortgage Customer Counseling and Prequalification
Personal Tax Return Analysis
Preparing the Closing Disclosure*
Preparing the Loan Estimate*
Processing and Underwriting Credit*
Processing Income and Assets*
Reviewing the Appraisal Report*
*These courses are offered through a partnership with AllRegs, a leader in residential mortgage lending.
IBA/ABA M $775 / NM $985 Per Person Full Series
IBA/ABA M $105 / NM $143 Per Course Per Person
ILLINOIS BANKERS ASSOCIATION 18
WEHELP BANKSFIND TALENT
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Human Resources and Workplace Fundamentals
Conferences
The ONE Conference
March 13-14, 2025 – Bloomington, IL
Your ONE-stop shop for developing professional skills for your team's key bank functions. Each attendee creates their own custom learning experience with session choices unique to their role: Marketing, Financial Management, HR, Leadership,
Peer Groups
Human Resources Peer Group
May 15, October 9
Designed to provide HR officers, executives and others overseeing HR functions within their financial institutions an opportunity to share ideas, information, and challenges with fellow human resource officers. Expect a lively, interactive, and open discussion on employment issues facilitated by the legal and human resource experts.
Fee Per Person Per Session
M $150 / NM $250 Substitutions Permissible
Education and Trainers Peer Group
March 14, September 19, October 3 – Live Streamed
This forum provides an opportunity for bank trainers to exchange ideas freely, brainstorm challenges and examine pressing issues in today's ever-evolving regulatory, costconscience, and results-driven environment. The agenda is based on input from participants in the forum group as well as banking industry employee development key topics.
Fee Per Person (Three Sessions)
M $745 / NM $1,245 Substitutions Permissible
Senior Retail Banking Peer Group
April 4, July 25, October 9 – Live Streamed
This forum provides a platform and an opportunity for retail banking officers to freely exchange ideas and examine pressing issues in today’s ever-evolving regulatory, costconscience and result-driven environment. The agenda for each session is based on input from participants in the forum group and the facilitator. Also, as appropriate, experts will present specific pressing topics as requested by forum members.
Fee Per Person (Three Sessions)
M $745 / NM $1,245 Substitutions Permissible
ABA Training
Online Self-Paced | Onboarding
Ethical Issues for Bankers
This course is an in-depth exploration of the ethical standards expected of financial service professionals. Master best practices for observing a bank's code of conduct and adhering to federal laws. Develop a sound ethical framework to manage commonly experienced ethical dilemmas. Learn how to make ethically appropriate decisions.
M $55 /NM $75
Online Self-Paced | Communication
Communication Basics Suite
Explores the primary elements of effective communications, key in delivering good customer service. This suite provides tips for becoming an active listener, developing effective questioning, and understanding body language.
Courses ▪Becoming a Better Listener ▪The Importance of Body Language ▪Communicating Effectively
M $55 /NM $75
Online Communication Suite
Explores creating appropriate social media posts in a business environment. Completing this suite provides tips on social media etiquette.
Courses ▪Effective Social Media Communication ▪Social Media Etiquette
M $55 /NM $75
Presentation Skills Suite
Explores delivering effective presentations in-person and virtually. Get tips and tactics for developing strong openings and closings, maintaining an audience's attention, and exuding confidence.
Courses ▪Crafting Your Message ▪Getting Started ▪Delivering Your Message ▪Presenting Virtually
M $95 / NM $130
Verbal Communication Suite
Explores tactics for creating memorable customer interactions, from initial greeting to conclusion, whether in-person or over the phone. Completing this suite provides best practices to create positive customer service experiences.
Courses ▪Effective Conversation ▪Handling Customer Concerns ▪Greetings and Introductions
M $55 /NM $75
Written Communication Suite
Explores keys to crafting effective written communications, helpful for delivering good customer service and for building workplace relationships. Completing this suite provides tips for writing clearly for different audiences.
Courses ▪Clarity in Writing ▪Writing for Your Audience
▪Effective Email Communication
M $55 /NM $75
ILLINOIS BANKERS ASSOCIATION 19
Employment Law
Reviews the legislation that protects employees from discriminatory and unfair practices and teaches management’s legal responsibilities and requirements when situations arise.
M $95 / NM $130
Improving Productivity
Provides the main elements of productivity, and guidelines on how to evaluate and improve productivity in the workplace. This course explains how to apply a six-step process consistently and systematically to resolving productivity problems in the work environment. It begins the process by carefully investigating what events, processes, or procedures lead to the problem; explains how to look for opportunities to improve the end result; focuses on the value of work groups in the process, and what needs to be done to resolve problems and enhance current productivity levels.
M $95 / NM $130
Leadership in Action Suite
Explores techniques and best practices for cultivating a collaborative team environment, from empowering individuals and positively managing change to creating a team-supported vision and achieving goals. Completing this suite provides strategies for using authentic leadership skills in day-to-day practices and developing those skills in others.
Courses ▪Authentic Leadership ▪Empowerment ▪Building Collaborative Teams ▪Managing Change ▪Communicating Vision
M $195 / NM $275
Leveraging the Benefits of a Diverse Workforce
Includes real-life scenarios to illustrate how to manage diversity issues by explaining the skills needed and apply the five-step process for handling conflict resolutions. Provides strategies for successful managers to recruit diverse work teams, encourage diversity of thought, and welcome differing opinions. Describes potential solutions to discourage stereotyping and encourage diversity.
M $95 / NM $130
Management Essentials Suite
This suite explores best practices for successfully managing employees, from interviewing to managing performance. Completing this suite provides tips and tactics for coaching employees, developing a recognition program, and holding effective meetings.
Courses ▪Coaching ▪Employee Recognition ▪Corrective Action
▪Interviewing ▪Effective Meetings ▪Managing Performance
M $275 / NM $375
Sexual and Workplace Harassment for Managers
Provides tools to help create a safe environment for employees. Explores the consequences of ignoring reports of inappropriate or unwelcome behavior that may be considered sexual harassment and workplace harassment, such as bullying, and includes tips on how to handle reports of sexual harassment.
M $95 / NM $130
ABA Training
Online Self-Paced | Workplace Essentials
Dealing Effectively with Co-Workers
Focuses on the behaviors of and interactions between coworkers and teaches methods to improve working relationships with difficult coworkers. This course introduces the characteristics of the four behavioral (base preference) groups and explains how they affect communication between coworkers. It describes how to create some common ground with difficult co-workers or clients.
M $95 / NM $130
Essentials of Workplace Conduct
Explores the four principles that guide appropriate actions to take in unfamiliar situations. Explains how appearance can have a significant impact on how others perceive you and addresses etiquette factors in the work environment and in offsite work situations.
M $95 / NM $130
Event Networking
Focuses on enhancing networking interactions in professional group settings and on a systematic approach to group events. Explores how to be familiar with the host and attendees of the event and its purpose to prepare questions, anticipate conversations, discuss commonalities, and ultimately establish relationships to grow your business.
M $95 / NM $130
Managing Time at Work
Explains how to create daily plans that focus on business priorities by using techniques to manage the work area, interruptions, telephone calls, and other daily activities that take valuable time away from the workday to be more productive.
M $95 / NM $130
Sexual and Workplace Harassment
Identifies conduct that could be considered unwelcome or inappropriate. Explains quid pro quo and hostile environment. Provides steps to follow for victims of sexual harassment and focuses on how actions may be perceived by others.
M $95 / NM $130
ILLINOIS BANKERS ASSOCIATION 20 Online Self-Paced | Management & Early Leadership Skills
Management & Leadership
Conferences
Illinois Bankers Association is partnering with the Ohio Bankers League for the Annual Convention once again... this time in Amelia Island, Florida. For 132 years, the IBA has gathered CEOs, senior executives, officers, and directors eager to reconnect and learn the latest trends at this annual event. Get ready to cultivate your strengths, solve pressing challenges, and experience all the best of Amelia Island. View Agenda | Brochure
Family-Owned and Closely Held Bank Strategic Retreat
October 10-11, Madison, WI
Full details are coming soon!
Midwest Trust and Wealth Management Conference
October 16-18 - Saint John's Resort, Plymouth, MI
A must for wealth management and trust professionals throughout Michigan and our neighboring states. Featuring topnotch speakers and materials, continuing education credit (CTFA, CFP, CPE), and valuable networking opportunities, the event is a do-not-miss event.
During this virtual, half-day event, attendees will hear from experienced keynote speakers, engage in thoughtful discussions, and leave empowered to cultivate a better banking industry. More
Network with your peers, compare notes with those who have similar challenges and successes and learn from top-rated speakers on management, leadership, industry issues, and personal development. The conference focuses on helping your bank stand out and succeed. More
November 14 – The Gleacher Center, Chicago
This event features industry experts, banking leaders, and regulators addressing issues critical to the banking industry. Chief executive officers, presidents, senior managers, and directors will benefit from the educational programming and peer-to-peer networking. More
One Fee, Unlimited Attendees (per organization)
The virtual Bank Directors’ Symposium focuses on the banking industry’s current and future outlook. The discussions cover topics such as the roles of the board and management in the credit process, regulatory expectations, identifying characteristics of high-performing banks, and critical areas for a bank’s success. Additionally, the symposium explores actionable steps banks must take to ensure compliance without compromising their financial stability. More
The ONE Conference
March 13-14, 2025 – Bloomington, IL
Your ONE-stop shop for developing professional skills for your team's key bank functions. Each attendee creates their own custom learning experience with session choices unique to their role: Marketing, Financial Management, HR, Leadership,
ILLINOIS BANKERS ASSOCIATION 21
Peer Groups
Small Bank CEO Peer Group
Tailored for Banks and Thrifts up to $150MM in Assets
May 8, August 13, November 13
Bloomington Country Club or Live Streamed
This forum provides chief executive officers with the means to constructively examine pressing issues, exchange ideas, and share solutions among colleagues in a comfortable and professional environment.
Facilitator
Cliff Bumgarner, Partner, Kerber, Eck & Braeckel LLP
Fee Per Person (Three Sessions)
M $500 / NM $700 Substitutions Permissible
CEO Peer Group
Tailored for Banks and Thrifts $150 to $750MM in Assets
February 14, July 10, October 16 – Live Streamed
Running a bank has never been more challenging, and you need all the insight, experience, and ideas you can get. In an age of information saturation when bankers can turn to any number of sources for problem-solving, the peer connections and in-depth discussions from these roundtables are powerful tools for Illinois’ top bank executives. This forum provides a facilitated, open medium where ideas, experience, insight, and views on many banking and business-related matters can be exchanged with your peers.
Facilitator Karl Nelson, Founder & CEO, KPN Consulting Fee Per Person
Members Only $600 (Three Sessions) Substitutions Permissible
Schools/Series
Retail Banking Leadership Series: Building a HighPerforming Retail Team
May 7-8, June 11-12
Center for Banking Excellence, Springfield or Live Streamed
In today’s competitive environment, banks must continuously improve and adapt to meet the needs of a changing workforce, new generations of clients, and rapidly evolving technology. So, we continue to update and revise this series to meet your changing demands as a retail banking leader. Whether you are an aspiring retail leader, are brand new to a management role, or have been in a bank or other management role for many years, you can expect to develop your aptitude as follows by fully engaging in this course series:
Create and execute an effective business plan
Lead with a clear vision, mission, and values
Give your team members the attention they need and get your tasks done
Understand how to relate to others more effectively
Find a better balance between your career and personal life
Identify and mitigate risks in managing people and resources
Build your emotional intelligence to manage conflict better
Hire, promote, and retain “the best” talent
Effectively address underperformers
Build a caring team culture
Make work fun and rewarding focused and accountable
Motivate all generations of team members
Grow deposits and loans while generating more referrals
Serve clients with excellence and consistency
Proactively develop business with confidence
Ensure a culture of compliance
Business Planning: Putting Learning to Action
Essential Elements of the High-Performing Team
Self-Assessment of Current Skills and Talents
The Challenge of Leadership in Today’s Retail Banking Environment
Leading with Vision, Purpose, and Values
Developing a Branch Business Plan
Building a High Performing Culture
Leading a Team that Cares
Defining the Performance Management Process
Performance Management Tools for the New Workforce
Leading, Developing, and Engaging the Team
The Branch Business Plan and Best Practices
Hiring, Promoting, and Retaining “The Best”
Effective Interviewing: The Legalities and Best Practices
Getting the Right Person in the Right Seat
Creating Team Member Engagement
Coaching for Impact, Connection, and Results
Key Needs and Motivation of Today's Workforce
Motivating the Generations
Serving with Excellence and Growing the Retail Branch
The Branch Business Plan and Best Practices
How Today’s Customer Experience is Changing
Leading a Sales and Service Culture
Communicating with Impact
Holding Productive Team Meetings
Providing Service that Sells
Creating Customer Loyalty in a New World
Making Business Development Calls with Confidence
Networking for Results
Raising the Bar for Sustainable Growth
Business Planning: Creating a Pathway for Sustainable Growth
Leading through Planned and Unplanned Change
Navigating the Team through Crisis
Creating Connections and Building Support Across the Bank
Developing Emotional Intelligence: Handling Conflict and Personalities
Streamlining Retail Operations: Lending, Compliance, Security, Project Management, Customer Care, and More Success Strategies for the Overcommitted Retail Banker
Cementing the New Culture: Executing Your Business Plan
Fee Per Person
M $995/ NM $1,665 Full Series
Graduate School of Banking
July 28-Aug 9 – University of Wisconsin-Madison, Madison, WI
GSB students acquire a broad knowledge and understanding of major bank functions and their interrelationships and develop the skills required to lead and manage effectively. The school’s curriculum reflects the contemporary trends impacting the financial services industry. Core courses address broad areas of finance, marketing, management, and the environment in which banks operate while elective courses allow students to customize their learning experience.
Enrollment Deadline June 15
ILLINOIS BANKERS ASSOCIATION 22
Virtual BANK DIRECTORS’ SYMPOSIUM
Thursday, August 1, 2024 • 9:00am - 3:00pm
The Bank Directors’ Symposium is a must-attend for all Directors and CEOs, with a special focus on the banking industry’s current and future outlook. The objective of this symposium is to provide updates on topics including bank leadership strategies, economic outlook, the roles of the board and management in the credit process, regulatory expectations, maximizing margins and interest rate risk, information security, and critical areas for a bank’s success.
Welcome & Opening Remarks
Callan Stapleton, CAE, EVP & President of Business & Education Services, Illinois Bankers Association
Industry Overview
Karl Nelson, Founder & CEO, KPN Consulting
Bank Leadership Strategies to Attract and Retain the Best Employees
Chris Scaffidi, Senior Director, The Pacific Institute
Millions of workers are leaving their jobs - and not just entry-level workers. Resignations are highest among mid-career employees. Their departure can be devastating to your bank, wiping out stability, forcing an expensive hiring process, and leaving your team short-staffed. Learn about “collective intelligence” and what successful banks are doing to keep their most valuable employees.
Depository Resilience: Strategies for a Shifting Interest Rate Environment
Speaker TBD, ALM First
Following significant rate movements in a short period of time and significant consumer behavior shifts, depositories everywhere must proactively manage their interest rate risk exposure and balance sheet dynamics. In this session, we will review critical balance sheet management principles, including hedging and funding strategies. Through real-life examples highlighting traits that separate highperforming depository institutions from the rest of the industry, learn practical strategies and insights that can help your own institution navigate these challenges effectively.
The Board’s Role in Overseeing Credit Risk
David Ruffin, Principal, Intellicredit, a QwickRate company
This session will explore the complementary but distinct roles of the board and management and practical suggestions on how those roles can be successfully managed. Regulatory expectations will be addressed as well as meeting fiduciary duties and strategic imperatives. We will also discuss stress testing limits and techniques and strategies to manage and control CRE and other asset-liability concentrations will be emphasized.
Maximizing Margin Expansion in a Dynamic Rate Environment
Tim Keith, CEO, Infusion Marketing Group
The elevated interest rate environment and uncertainty of the future path portends an opportunity for expansion of Net Interest Margin (NIM). However, NIM expansion is not a given, and the range of impact from one financial institution to another will be significant. Data analytics that reveal the intersection of portfolio and customer relationship factors is fundamental to developing a strategy that produces the most positive impact on NIM. Any strategy that does not fully integrate marketing communication will be suboptimal. What is the best way to approach this unique historical challenge? This talk seeks to answer that question with data.
The Art of Communicating to the Board: IT Edition
Chris Bedel, CISM, Founder, President & CEO, Bedel Security
How can Information Technology and Information Security Management and staff communicate more effectively with the Board? How do we understand the personality and the risk appetite of the Board? What must be reported to the Board, and what can help the Board better understand the cybersecurity risk footprint? This session discusses the appropriate cadence of reporting, simplifying complex topics, and how to leverage Board education opportunities.
Concluding Remarks & Adjourn
Karl Nelson, Founder & CEO, KPN Consulting
ONE FEE, UNLIMITED ATTENDEES (per organization)
Member $495 Nonmember $795
Includes OnDemand Access through October 1, 2024
RESERVE YOUR TRAINING illinois.bank • 217-789-9340 registrar@illinois.bank
Director Programs
Directors Education Series
A series of 30–minute training modules geared to the bank director have been developed in consultation with a highly respected group of banking industry experts. Your subscription to this series will assist you with the responsibility you have to educate those who serve on your board. Partial lists of topics that will be covered include:
Strategic Planning Minimizing Board Liability
Regulatory Environment
Board/Committee Composition
Compliance Management
BSA/AML Training
Insiders & Reg O
Exam Preparation Board Legal Duties
Board Meetings and Minutes
Understanding Bank Capital
Enterprise Risk Management
Credit Risk Management
Asset Liability Management
An annual subscription will provide you with a recorded 20–30-minute web–based training module each month. You will also be supported with discussion topics and handouts. Since the programs are recorded, you have the flexibility to show these programs at your board meeting or make the link available to your directors prior to the meeting.
ABA Bank Director Series
Much is expected today of bank boards, which provide both strategic direction and oversight of critical functions. This suite of 19 videos presents need-to-know fundamentals about bank board responsibilities, strategies, and best practices for diversifying the members and the importance of recruiting women to join. Additional topics from oversight of compliance management and controls; compliance with BSA/AML/OFAC, Reg O and fair lending regulations; and digital trends in cybersecurity, blockchain and payments are available.
Beyond the Welcome: New Director Onboarding
Board Oversight: Bank Governance Structure
Board Oversight: BSA/AML/OFAC
Board Oversight: Compliance Control Activities
Board Oversight: Compliance Management
Board Oversight: Credible Challenge
Board Oversight: Effective Compliance Management System
Board Oversight: Fair Lending
Board Oversight: Fostering Innovation
Board Oversight: Insiders and Regulation O
Board Oversight: Managing Reputation Risk
Board Oversight: Post Compliance Exam Activities
Board Oversight: Preparing for the Compliance Exam
Digital Trends: Blockchain
Digital Trends: Cybersecurity
Digital Trends: Payments
Diversifying the Board: Strategies and Best Practices
Encouraging Women to Accept the Ask
What Do Bank Boards Do?
Audience For members of a bank's board of directors.
M $895 / NM $1,195
ABA Training
Online Self-Paced
Employment Law
Reviews the legislation that protects employees from discriminatory and unfair practices and teaches management’s legal responsibilities and requirements when situations arise.
M $95 / NM $130
Improving Productivity
This course explains how to apply a six-step process to resolving productivity problems in the work environment. It begins the process by carefully investigating what events, processes, or procedures lead to the problem. Learn how to look for opportunities to improve the end result, focus on the value of work groups in the process, and what needs to be done to resolve problems and enhance current productivity levels.
M $95 / NM $130
Leadership in Action Suite
This suite explores techniques and best practices for cultivating a collaborative team environment, from empowering individuals and positively managing change to creating a teamsupported vision and achieving goals. Completing this suite provides strategies for using authentic leadership skills in dayto-day practices and developing those skills in others. Concise, impactful lessons can be applied on the job immediately.
Courses
▪Authentic Leadership ▪Empowerment ▪Managing Change
▪Building Collaborative Teams ▪Communicating Vision
M $195 / NM $275
Leveraging the Benefits of a Diverse Workforce
Includes real-life scenarios to illustrate how to manage diversity issues by explaining the skills needed and apply the five-step process for handling conflict resolutions. Provides strategies for successful managers to recruit diverse work teams, encourage diversity of thought, and welcome differing opinions. Describes potential solutions to discourage stereotyping and encourage diversity.
M $95 / NM $130
Management Essentials Suite
This suite explores best practices for successfully managing employees, from interviewing to managing performance. Completing this suite provides tips and tactics for coaching employees, developing a recognition program, and holding effective meetings.
Courses
▪Coaching ▪Employee Recognition ▪Corrective Action
▪Interviewing ▪Effective Meetings ▪Managing Performance
M $275 / NM $375
ILLINOIS BANKERS ASSOCIATION 23
Marketing and Sales
Conferences
The ONE Conference
March 13-14, 2025 – Bloomington, IL
Your ONE-stop shop for developing professional skills for your team's key bank functions. Each attendee creates their own custom learning experience with session choices unique to their role: Marketing, Financial Management, HR, Leadership, Lending, Retail, and Tech & Ops. More details coming soon!
Peer Group
Bank Marketing Peer Group
May 8, November 6 – Live Streamed
The Bank Marketing Peer Group, facilitated by Brett Jackson, CEO of Systemax, provides a platform and opportunity for bank marketing staff to exchange ideas freely, dissect problems, and discuss vital issues with peers. Participants can talk through industry trends and challenges and review a wide range of developments that affect bank marketing strategies, tactics, and results.
Fee Per Person (Two Sessions)
Members Only $400 Substitutions Permissible
ABA Training
Online Instructor-Led
Marketing in Banking
This four-week-long, entry-level course builds a solid foundation for grasping bank marketing functions. Dive into the core responsibilities of bank marketing, examine how marketing may be structured, know the regulations affecting bank marketing activities, and discover how to assess financial performance.
M $375 / NM $475 Start Dates – 5/28
Marketing Management
Establish a working knowledge of marketing management. Examine best practices for managing public relations and digital marketing campaigns, as well as ongoing brand management. Learn how to prioritize projects, assess performance, and balance resources. Explore ways to deliver strong return on investment (ROI).
M $375 / NM $475 Start Dates – 10/21
Marketing Planning
This course develops skills for preparing a comprehensive strategic marketing plan that follows best practices. Learn how to assess customers and trade area opportunities. Discover ways to integrate this information into a situational analysisthen create an action plan and develop a budget.
M $375 / NM $475 Start Dates – 8/12
Online Self-Paced
Bank Marketing: Building Customer Relationships
Guides you through attracting customers and building strong relationships through marketing. Explore current methodologies. Craft a market-driven strategy for product development.
M $55 /NM $75
Marketing in a Digital World: Digital Campaigns
This series shows you what digital advertising is and why it's an important component of your bank's marketing strategy. You'll uncover the role of search engine optimization (SEO) in getting seen by customers and see why marketing on mobile devices deserves special considerations.
Produced by Mindset Digital
M $299 / NM $399
Build Your Campaign
The majority of consumers go online before making a purchasing decision, and some only use their phone to buy everything from groceries to financial services. Learn how to reach the digital consumer by understanding what works and what doesn't in digital campaigns.
Campaign Goals: Craft Your Objective
Campaign Types: Explore Options
Targeting: Find Your Customers
M $129 /NM $179
Find Your Audience
Learn the variety of ways to reach customers and prospects, and how to combine digital ad options for maximum effect.
Search Ads: Get Found
Display Ads: Make an Impression
Video: Capture Attention
Apps: Engage Audiences
Text Campaigns: Think Mobile
M $129 /NM $179
Search Engine Optimization
Search engine optimization (SEO) is a critical way to make your bank more visible to people seeking what you have to offer. Learn the factors that affect search results and identify best practices that can help you and your bank right away.
Search Engines: Drive Traffic
On-Page: Maximize Your Site
Off-Page: Attract Visitors
Writing for SEO: Contribute to Success
M $129 /NM $179
ILLINOIS BANKERS ASSOCIATION 24
Foundational Certificate in Bank Marketing
Develop key skills essential to successful bank marketing. Discover best practices for developing a comprehensive strategic marketing plan, including setting objectives, implementing action plans, creating a budget, and evaluating ROI. Explore tactics to assess customers, markets, and opportunities. Learn how to better leverage social media to expand your reach and build your bank's brand. Gain insight into managing marketing activities from brand management to PR to digital marketing and learn the key regulatory guidelines for bank marketing.
Required Courses
Facilitated Online: Four weeks each in duration, you can select your start date and log in at your convenience. Estimated learning time is 3 hours per week.
Marketing in Banking
Marketing Planning
Marketing Management
Self-Paced Online
Marketing in a Digital World Search Engine Optimization
Build Your Campaign Find Your Audience
The Power of Facebook Leveraging LinkedIn Strategic Twitter
Recognizing and Preventing UDAAP
M $1,095 / NM $1,595
ILLINOIS BANKERS ASSOCIATION 25 Certificate
Operations and Technology
Conferences
BankTech Conference
October 3 – Oak Brook
Join us on October 3 for the hybrid tech event of the year, brought to by the Illinois Bankers Association, the Indiana Bankers Association, the Michigan Bankers Association and the Ohio Bankers League! Dive deep into the world of fintech innovation and learn more about the latest trends in bank technology that will elevate your bank's customer service, revenue growth, and operational efficiency.
The ONE Conference
March 13-14, 2025 – Bloomington, IL
Your ONE-stop shop for developing professional skills for your team's key bank functions. Each attendee creates their own custom learning experience with session choices unique to their role: Marketing, Financial Management, HR, Leadership, Lending, Retail, and Tech & Ops. More details coming soon!
Schools
GSB Bank Technology Security School
October 7-11 – University of Wisconsin-Madison, Madison, WI
Especially for IT security officers, this program will broaden your understanding of the business of banking along with an in-depth, interactive, and hands-on study of the latest IT security techniques and strategies.
Enrollment Deadline September 6
IBA’s Operations School, presented by Wipfli LLP, provides backroom operations representing a critical core function of any financial institution. For a bank to run its operations effectively, reduce costs, and decrease transaction errors, its staff must be well-versed in the fundamental principles governing bank operations. This school provides a comprehensive framework to examine the processes that support bank services while incorporating industry best practices.
WEDNESDAY, OCTOBER 8
• Understanding Payment Systems
• Organizational Management
• Operational Compliance Issues
THURSDAY, OCTOBER 9
• Analyzing & Understanding Your Bank’s Statement of Condition
• Internal Controls and Practices
FRIDAY, OCTOBER 10
• Cybersecurity Hot Topics
• Disaster Recovery & Business Continuity Planning
• Third Party Risk Management
• New Technologies
• Regulatory Updates and Hot Topics
AUDIENCE Bankers who are involved in and/or manage operational functions in their bank are encouraged to attend. The school is ideal for operations officers and heads of operations, branch managers, cashiers and assistant cashiers, bookkeeping supervisors, teller supervisors, and head tellers.
Per Person Fees
IBA Members - 3 Day School $745 | Individual program $265
Nonmembers - 3 Day School $1245 | Individual program $445
ILLINOIS BANKERS ASSOCIATION 26
Peer Groups
Cash Management/Treasury Peer Group
February 28, October 30 – Live Streamed
In an ever-evolving payments environment shaped by changes in technology, competition, policy, and customer behavior, this forum provides a venue to share knowledge and engage in dialogue.
Find solutions to your most pressing problems
Discuss with peers what works and what doesn’t
Hear from experts in the industry on products, services, regulatory changes and best practices.
Facilitator Karl Nelson, Founder & CEO, KPN Consulting
Fee Per Person
Members & Nonmembers $400 (Two Sessions)
Substitutions Permissible
Technology Peer Group
April 26, September 30, November 22
IT and operations officers are constantly challenged by the need to ensure they have up-to-date resources to stay on top of the ever-evolving regulatory, risk management, costconscious, and productivity-driven banking environment.
Facilitator Ben LeClaire, Plante Moran
Fee Per Person
Members Only $600 (Three Sessions)
Substitutions Permissible
Operations Peer Group
May 3, August 2, November 1
For a bank to run its operations effectively, reduce costs, and decrease transaction errors, its staff must be well-versed in the fundamental principles governing bank operations
Potential Topics
Deposit and Balance Sheet Strategies
Customer service
Vendor management
Call center management
Debit card management
Deposit products
Business growth/development
Development and implementation of institutional goals
Special projects
Community development
Policy and procedural development/enhancements
Customer experience
Efficiency
Company culture
Cross-selling
Facilitator Paul Davis, Director & Market Intelligence, SRM
Fee Per Person
Members Only $600 (Three Sessions)
Substitutions Permissible
ILLINOIS BANKERS ASSOCIATION 27
Retail Banking
Conferences
The ONE Conference
March 13-14, 2025 – Bloomington, IL
Your ONE-stop shop for developing professional skills for your team's key bank functions. Each attendee creates their own custom learning experience with session choices unique to their role: Marketing, Financial Management, HR, Leadership, Lending, Retail, and Tech & Ops. More details coming soon!
Peer Groups
Cash Management/Treasury Peer Group
February 28, October 30
In an ever-evolving payments environment shaped by changes in technology, competition, policy, and customer behavior, this forum provides a venue to share knowledge and engage in dialogue.
Fee Per Person
Members & Nonmembers $400 (Two Sessions) Substitutions Permissible
Education and Trainers Peer Group
March 14, September 19, October 3 – Live Streamed
This forum provides an opportunity for bank trainers to exchange ideas freely, brainstorm challenges and examine pressing issues in today's ever-evolving regulatory, costconscience, and results-driven environment. The agenda is based on input from participants in the forum group as well as banking industry employee development key topics.
Fee Per Person (Three Sessions)
M $745 / NM $1,245 Substitutions Permissible
Senior Retail Banking Peer Group
April 4, July 25, October 9 – Live Streamed
This forum provides a platform and an opportunity for retail banking officers to freely exchange ideas and examine pressing issues in today’s ever-evolving regulatory, costconscience and result-driven environment. The agenda for each session is based on input from participants in the forum group and the facilitator. Also, as appropriate, experts will present specific pressing topics as requested by forum members.
Fee Per Person (Three Sessions)
M $745 / NM $1,245 Substitutions Permissible
Series
Retail Banking Leadership Series: Building a HighPerforming Retail Team
May 7-8, June 11-12
Center for Banking Excellence, Springfield or Live Streamed
In today’s competitive environment, banks must continuously improve and adapt to meet the needs of a changing workforce, new generations of clients, and rapidly evolving technology. So, we continue to update and revise this series to meet your changing demands as a retail banking leader. Whether you are an aspiring retail leader, are brand new to a management role, or have been in a bank or other management role for many years, you can expect to develop your aptitude as follows by fully engaging in this course series:
Create and execute an effective business plan
Lead with a clear vision, mission, and values
Give your team members the attention they need and get your tasks done
Understand how to relate to others more effectively
Find a better balance between your career and personal life
Identify and mitigate risks in managing people and resources
Build your emotional intelligence to manage conflict better
Hire, promote, and retain “the best” talent
Effectively address underperformers
Build a caring team culture
Make work fun and rewarding and focused and accountable
Motivate all generations of team members
Grow deposits and loans while generating more referrals
Serve clients with excellence and consistency
Proactively develop business with confidence
Ensure a culture of compliance
Business Planning: Putting Learning to Action
Essential Elements of the High-Performing Team
Self-Assessment of Current Skills and Talents
The Challenge of Leadership in Today’s Retail Banking
Environment
Leading with Vision, Purpose, and Values
Developing a Branch Business Plan
Building a High Performing Culture
Leading a Team that Cares
Defining the Performance Management Process
Performance Management Tools for the New Workforce
Leading, Developing, and Engaging the Team
The Branch Business Plan and Best Practices
Hiring, Promoting, and Retaining “The Best”
Effective Interviewing: The Legalities and Best Practices
Getting the Right Person in the Right Seat
Creating Team Member Engagement
Coaching for Impact, Connection, and Results
Key Needs and Motivation of Today's Workforce
Motivating the Generations
ILLINOIS BANKERS ASSOCIATION 28
Serving with Excellence and Growing the Retail Branch
The Branch Business Plan and Best Practices
How Today’s Customer Experience is Changing Leading a Sales and Service Culture Communicating with Impact Holding Productive Team Meetings
Providing Service that Sells
Creating Customer Loyalty in a New World Making Business Development Calls with Confidence Networking for Results
Raising the Bar for Sustainable Growth Business Planning: Creating a Pathway for Sustainable Growth
Leading through Planned and Unplanned Change Navigating the Team through Crisis Creating Connections and Building Support Across the Bank Developing Emotional Intelligence: Handling Conflict and Personalities
Streamlining Retail Operations: Lending, Compliance, Security, Project Management, Customer Care, and More Success Strategies for the Overcommitted Retail Banker Cementing the New Culture: Executing Your Business Plan
Fee Per Person
M $995/ NM $1,665 Full Series
Seminars
Sales Excellence Bootcamp: Helping Bankers Become Elite Business Developers May 16-17, – Springfield, or Live Streamed
Joe Micallef has been a successful banker and business developer for over 30 years, achieving record results year after year for his bank and his customers. In a highly competitive banking market, the secret to Joe's success has been to differentiate himself as a financial adviser that his customers and prospects proactively seek to help them with all their financial challenges and goals. Many bankers struggle each year to achieve their growth targets and personal goals because they do not know how to position themselves as valuable finance professionals.
How are you engaging your prospects and getting more meetings?
How well can you articulate your unique value proposition?
How impactful are your customer meetings? How persuasive are your proposals? How do you overcome objections?
Joe will share practical business development tips and tools that will help you easily grow your customers and win more business at the price you want year after year. Commercial bankers, retail officers, financial planners, and home lenders walk away from Joe's two-day sales bootcamp with greater sales confidence and ideas to elevate their career success and more effectively grow their bank.
Day ONE - Getting More Meetings
Understand Personal Motivation & Build Sales Confidence
Create a Powerful Target List & Value Proposition
Develop a Better Prospecting Script & Cadence
Consistently Gain More Quality Referrals
Become a More Influential Networker
Day TWO - Winning More Customers
Adopt a Better Sales Meeting Process
Ask Powerful Questions
Create & Present Compelling Proposals
Closing Techniques & Overcoming Objections
Develop a P.L.A.N. for Greater Success
Audience and Program Benefits
A must-attend event for all bankers in a business development role.
Achieve an immediate return on investment that will include more customers, more rewards, and more job fulfillment.
Receive a copy of Joe's presentations and a workbook filled with proven sales models, templates, and scripts to help them gain immediate results.
Direct access to Joe Micallef for up to 30 days after the bootcamp to review their workbook exercises and discuss any specific sales challenges.
Fee Per Person
M $505 / NM $875
IRA Essentials
October 9 - Oak Brook
IRA Essentials, facilitated by Ascensus, gives attendees a solid foundation of IRA knowledge. Exercises are included throughout the day to help participants apply information to jobrelated situations. Attendees will leave this session to work with IRA owners and process basic IRA transactions with confidence. This is a beginner’s session; no previous IRA knowledge is assumed. Attendees should have access to a hand-heldcalculator.
Topics
Introduction and Establishing IRAs
IRA Funding
IRA Distributions
IRA Portability
ContinuingEducation
ABA Professional Certification 7.25 credits CISP, CRSP, CTFA
Fee Per Person
Clients of Ascensus qualify for the IBA member rate.
M $265 / NM $445
Advanced IRAs
October 10 - Oak Brook
Advanced IRAs, facilitated by Ascensus, build on the attendees’ basic IRA knowledge to address some of the more complex IRA issues their financial organizations may handle. This is an advanced session; previous IRA knowledge is assumed. The instructor uses real-world exercises to help participants apply information to job-related situations.
Topics
IRA Update
IRA Excess Contributions
Required Minimum Distributions
Beneficiary Options
Advanced Portability
ContinuingEducation
ABA Professional Certification 7.25 credits CISP, CRSP, CTFA
ILLINOIS BANKERS ASSOCIATION 29
Audience
You should attend this seminar if you are an IRA administrator, personal banker, or member services personnel with a working knowledge of basic IRA operations and wishes to expand your expertise and provide enhanced customer service.
a financial professional who recognizes that IRAs play an integral role in retirement planning.
a compliance specialist with procedural oversight of IRA policies and practices; or support personnel responsible for promotional materials that describe the services provided by your financial organization.
Fee Per Person
Clients of Ascensus qualify for the IBA member rate.
M $265 / NM $445
ABA Training
Online Instructor-Led
Banking Fundamentals
Includes three 4-week courses that combine the principles of the banking industry with real-world application. Ideal for emerging bankers, or bankers seeking to gain an understanding of the changing world of financial services. It is an online, paperless, series of courses the combines peer collaboration with instructor guidance. Courses
The Banking Industry Start Dates: 4/1, 7/8, 9/2
Bank Lines of Business Start Dates: 1/22, 3/4, 6/3, 10/7
Building Customer Relationships
Start Dates: 1/29, 4/29, 7/29, 11/25
What You'll Learn
▪ The role of banks in the U.S. economy
▪ Meeting the changing needs of customers
▪ Bank products and services, including electronic banking
▪ Building customer relationships
▪ Major banking laws and regulations
M $255 / NM $345 per Course
General Accounting
Topics in analyzing source documents, recording business transactions in a journal, and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.
M $770 / NM $900 NM Start Dates – 3/11, 11/4
Money and Banking
A fundamental study of how money functions in the U.S. and world economies. How money supply, the banking system, the Federal Reserve, and the federal government are all interrelated, and how changes in the financial system can affect individuals, businesses and governments on a worldwide basis are covered.
M $610 / NM $720 Start Dates – TBD
Online Self-Paced | OnBoarding
Banking Basics Suite
This suite is a comprehensive introduction to the banking industry. Ideal for those new to banking, completing this suite provides a deeper understanding of the changing world of financial services and the vital role that banks play in the economy. Concise, impactful lessons can be applied on the job immediately.
Courses
Bank Marketing: Building Customer Relationships
Bank Payment Systems and Technology
Bank Sales and Service: Expanding Customer Relationships
Banks as a Business
Banks and the Deposit Function
Banks and the Economy
Banks and Personal Wealth Management
Business and International Banking Services
Introduction to Banking
Lending as a Cornerstone of Banking
Safeguarding Bank Assets and the Nation
Safeguarding the Customer and the Bank
M $595 / NM $795 Full Suite Courses also available individually
Bank Payment Systems and Technology
Guides you through bank payment systems. Take a deep dive into the check payment process. Explore innovations enabled by electronic banking and the electronic funds transfer system.
M $55 / NM $75
Bank Sales and Service: Expanding Customer Relationships
Guides you through strategies for earning customer loyalty. Create and maintain strong bank customer and partner relationships. Meet customers' expectations by understanding their needs and decision processes. Be better prepared to offer value-add products and services.
M $55 / NM $75
Ethical Issues for Bankers
This cornerstone course is an in-depth exploration of the ethical standards expected of financial service professionals. Master best practices for observing a bank's code of conduct and adhering to federal laws. Develop a sound ethical framework to handle commonly experienced ethical dilemmas. Learn how to make ethically appropriate decisions.
M $55 / NM $75
Teller Basics Suite
This suite teaches critical customer service and technical skills, from handling checks and cash to processing deposits and withdrawals, and more.
Courses
Cash Handling
Handling Checks
Processing Transactions
Providing Quality Customer Service
Robbery and Bank Security
The Changing Role of the Teller
M $150 / NM $200
ILLINOIS BANKERS ASSOCIATION 30
Online Self-Paced | Communication
Communication Basics Suite
This suite explores the primary elements of effective communications, key to delivering good customer service. Provides tips for becoming an active listener, developing effective questioning, and understanding body language.
Courses ▪Becoming a Better Listener ▪Communicating Effectively ▪The Importance of Body Language
M $55 / NM $75
Online Communication Suite
This suite explores creating appropriate social media posts in a business environment. Completing this suite provides tips on social media etiquette.
Courses ▪Effective Social Media Communication ▪Social Media Etiquette
M $55 / NM $75
Presentation Skills Suite
This suite explores delivering effective presentations in-person and virtually. Get tips and tactics for developing strong openings and closings, maintaining an audience's attention, and exuding confidence.
Courses ▪Crafting Your Message ▪Delivering Your Message
▪Getting Started ▪Presenting Virtually
M $95 / NM $130
Verbal Communication Suite
This suite explores tactics for creating memorable customer interactions, from initial greeting to conclusion, whether inperson or over the phone. Completing this suite provides best practices to create positive customer service experiences.
Courses ▪Effective Conversation ▪Greetings and Introductions
▪Handling Customer Concerns
M $55 / NM $75
Written Communication Suite
This suite explores keys to crafting effective written communications, helpful for delivering good customer service and for building workplace relationships. Completing this suite provides tips for writing clearly for different audiences.
Courses ▪Clarity in Writing ▪Effective Email Communication
▪Writing for Your Audience
M $55 / NM $75
Online Self-Paced | Consultive and Relationship Selling
Coaching to Support the Sales Process
Skills
Suite
This suite explores best practices for providing successful sales coaching. Completing this suite provides techniques for building your sales team's skills at every step in the Relationship Sales Process and supporting them to achieve sales goals and meet organizational objectives.
Courses ▪Preparing to Coach ▪Managing Sales Performance
▪Providing Ongoing Support
M $55 / NM $75
Essential Selling Skills Bundle
Completing this bundle provides best practices for each step in the sales process and building solid client relationships. Explore tactics to focus sales efforts, including the Sales Portfolio Process. See how to effectively plan calls, track contacts, anticipate potential objections, and make sales.
Courses ▪ Effective Referrals Suite ▪ Making the Client Call Suite ▪ Overcoming Objections Suite ▪ Relationship Sales Suite
▪ Sales Planning Suite
M $195 / NM $275
Selling in a Social World
You need more effective and efficient strategies to extend your reach, find new prospects, stay top of mind, and drive new business. These expert-led, engaging online courses provide practical tips and tactics to take advantage of the many tools offered by LinkedIn, the largest professional social channel.
Courses ▪ Selling in a Social World: Extend Your Reach
▪ Selling in a Social World: Engage Your Audience
M $129 / NM $179
Tele-Consulting Curriculum
Part 1 - Planning the Call - a planning strategy for professional bankers to prepare to make calls to clients. Focuses on client profiles that are specific to each client or order to evaluate sales potential
Part 2 - Making the Call - a strategy for professional bankers to make calls to clients in the most professional manner possible. It focuses on the unique challenges of telephone sales and the three-step approach to overcome clients’ objections when presenting product features and benefits. Explores appropriate ways to close the sale using the assumptive close, and six tips for using a system to follow up with clients.
M $95 / NM $130
Online Self-Paced | Consumer Banking Essentials
Consumer Credit Basics
A short, self-paced online training course that guides you through the key attributes of consumer lending and industry terms.
M $55 / NM $75
Fundamentals of Consumer Lending Suite
This suite explores the consumer lending process from terminology to the application process to customer communications. Completing this suite provides best practices for ensuring regulatory compliance and determining credit worthiness. Concise, impactful lessons can be applied on the job immediately.
Courses ▪Consumer Credit Basics ▪Consumer Loan Process
M $95 / NM $130
Handling Mortgage Inquiries and Making Referrals
Describes the primary regulatory compliance Acts that affect mortgage inquiry, counseling, and application phases. Reviews the features and benefits of the most popular mortgage programs, crucial elements of different purchase and refinance transactions, and techniques and sample responses to customers for your mortgage referral to the MLO.
M $95 / NM $130
ILLINOIS BANKERS ASSOCIATION 31
Online Self-Paced | Consumer Banking Essentials
Individual Retirement Accounts
Explores key concepts on basic IRA product features and benefits, contribution, and distribution requirements. Explains traditional, rollover, and Roth IRAs, including the new conversion rules, as well as Simplified Employee Pension Plans and SIMPLE Retirement Accounts. Presents information about IRA tax benefits and penalty calculations.
M $135 / NM $185
Personal Tax Return Analysis
Explains how to analyze tax returns to determine a projected income and explores income trends, recurring versus nonrecurring income, and how tax returns can be used as a sales tool.
M $245 / NM $345
Referring Insurance and Annuity Clients
Covers the effective referral model and explains how to refer clients who might benefit from various insurance and annuity products to a licensed representative, and your responsibilities as an unlicensed employee. Introduces the features and benefits of insurance and annuity products, including disability insurance, healthcare insurance, property and casualty insurance, and liability insurance.
M $95 / NM $130
Referring Investment Clients
Provides an overview of securities products commonly offered by banks and explains how to detect clues to identify the clients' recognized and unrecognized financial needs. Explores the effective referral model to help clients see the value in referral suggestions and in meeting with an investment specialist.
M $95 / NM $130
Online Self-Paced | Consumer Banking Essentials
Referring Trust Clients
This course examines the elements of trust and the primary reasons why clients want or need a trust. This course describes the benefits of trust accounts to identify needs and refer clients to a qualified trust expert by using the effective referral model.
M $95 / NM $130
Why Quality Customer Service Matters Suite
This suite delves into the skills critical to making clients feel valued. Completing this suite provides insight into improving customer service skills, especially during stressful situations, to help build client relationships. Concise, impactful lessons can be applied on the job immediately.
Courses ▪The Importance of Customer Service ▪Customer Service Basics ▪The Importance of Communication ▪Handling
Stress ▪Handling Upset Clients
M $95 / NM $130
Online Self-Paced | Management & Early Leadership Skills
Employment Law
Reviews the legislation that protects employees from discriminatory and unfair practices and teaches management’s legal responsibilities and requirements when situations arise.
M $95 / NM $130
Improving Productivity
Provides the main elements of productivity, and guidelines on how to evaluate and improve productivity in the workplace. This course explains how to apply a six-step process consistently and systematically to resolving productivity problems in the work environment. Explains how to look for opportunities to improve the result. It focuses on the value of work groups in the process, and what needs to be done to resolve problems and enhance current productivity levels.
M $95 / NM $130
Leadership in Action Suite
Explores techniques and best practices for cultivating a collaborative team environment, from empowering individuals and positively handling change to creating a team-supported vision and achieving goals. Completing this suite provides strategies for using authentic leadership skills in day-to-day practices and developing those skills in others. Concise, impactful lessons can be applied on the job immediately.
Courses ▪Authentic Leadership ▪Building Collaborative Teams
▪Communicating Vision ▪Empowerment ▪Managing Change
M $195 / NM $275
Leveraging the Benefits of a Diverse Workforce
Includes real-life scenarios to illustrate how to manage diversity issues by explaining the skills needed and apply the five-step process for handling conflict resolutions. Provides strategies for successful managers to recruit diverse work teams, encourage diversity of thought, and welcome differing opinions. Describes potential solutions to discourage stereotyping and encourage diversity.
M $95 / NM $130
Management Essentials Suite
This suite explores best practices for successfully managing employees, from interviewing to managing performance. Completing this suite provides tips and tactics for coaching employees, developing a recognition program, and holding effective meetings.
Courses ▪Coaching ▪Corrective Action ▪Effective Meetings
▪Employee Recognition ▪Interviewing ▪Managing Performance
M $275 / NM $375
Sexual and Workplace Harassment for Managers
Provides tools to help create a safe environment for employees. Explores the consequences of ignoring reports of inappropriate or unwelcome behavior that may be considered sexual harassment and workplace harassment, such as bullying, and includes tips on how to handle reports of sexual harassment.
M $95 / NM $130
ILLINOIS BANKERS ASSOCIATION 32
Fundamentals of Small Business Banking Suite
Explore the characteristics, expectations, and operational needs of small businesses. Explore the different legal structures and business types to better understand your small business clients. Discover the different steps in each type of operating cycle and the stages of a small business’ life cycle. Completing this suite helps develop the key skills needed to create and sustain successful small business relationships.
M $95 / NM $130
Introduction to Analyzing Financial Statements
Reviews terms and steps associated with analyzing financial statements. Explains how tax returns report income and expenses from another perspective. Examines the computation and meaning of four categories of financial ratios and how ratios are used to spot significant trends.
M $195 / NM $245
Payments System Emerging Products
Explore emerging products and revenue opportunities, such as mobile wallets and P2P payments. Investigate how mobile services affect consumers’ interaction with financial institutions. Discover how demographics, customer preferences and security concerns influence a bank's payments strategy.
M $195 / NM $225
Payments System Trends
Explore the current regulatory and technological trends affecting the payments business. Learn the key drivers of faster payments, as well as the payments-related efforts being led by the Federal Reserve, the National Automated Clearing House Association and The Clearing House.
M $195 / NM $255
Payments System Training Suite
Technology has transformed your bank's business and how you connect with customers. This new suite of courses covers demographics to CX, technology infrastructure, data analytics, plus how all of this plays a crucial role in developing an effective payments strategy.
M $295 / NM $395
Small Business Borrowing Suite
This suite explores the unique characteristics of the small business market that make it an attractive source of potential business for your bank. Develop an understanding of the overall relationship between the borrowing cause, loan purpose, and repayment source to better understand small business clients’ credit needs.
M $95 / NM $130
Online Self-Paced
| Workplace Essentials
Dealing Effectively with Co-Workers
Focuses on the behaviors of and interactions between coworkers and teaches methods to improve working relationships with difficult co-workers. Introduces the characteristics of the four behavioral groups and explains how they affect communication between co-workers. It describes how to create some common ground with difficult co-workers or clients.
M $95 / NM $130
Essentials of Workplace Conduct
Explores the four principles that guide appropriate actions to take in unfamiliar situations. Explains how appearance can have a significant impact on how others perceive you, and addresses etiquette factors in the work environment and in offsite work situations.
M $95 / NM $130
Event Networking
Focuses on enhancing networking interactions in professional group settings and on a systematic approach to group events. Explores how to be familiar with the host and attendees of the event and its purpose to prepare questions, anticipate conversations, discuss commonalities, and establish relationships to grow your business.
M $95 / NM $130
Managing Time at Work
Explains how to create daily plans that focus on business priorities by using techniques to manage the work area, interruptions, telephone calls, and other daily activities that take valuable time away from the workday to be more productive.
M $95 / NM $130
Sexual and Workplace Harassment
Identifies conduct that could be considered unwelcome or inappropriate. Explains quid pro quo and hostile environment. Provides steps to follow for victims of sexual harassment and focuses on how actions may be perceived by others.
M $95 / NM $130
ILLINOIS BANKERS ASSOCIATION 33 Online Self-Paced | Small Business Banking Essentials
ABA Training
Bank Solutions Provider Certificate
For organizations that provide products and services to the banking industry, enable your team to know their bank customers better – from the terminology they use to the constructs under which they operate.
Required Courses
Banking Basics Suite
Ethical Issues for Bankers
Fundamentals of Consumer Lending Suite
Fundamentals of Small Business Banking Suite
Understanding Bank Products
M $495 / NM $695
Bank Teller Certificate
Develop essential bank teller skills. Master core competencies such as cash handling, check cashing, deposit and withdrawal processing, cash payments, and daily settlements of teller cash and proof transactions. Develop a broad understanding of bank products. Build interpersonal skills that are effective with both customers and co-workers. Master the principles of professional conduct. Learn how to cultivate relationships and provide value-added service.
Required Courses
Banking Basics Suite
Communication Basics Suite
Dealing Effectively with Co-Workers
Effective Referrals Suite
Essentials of Workplace Conduct
Ethical Issues for Bankers
Online Communications Suite
Teller Basics Suite
Verbal Communications Suite
Written Communication Suite
M $695 / NM $995
Branch Manager Certificate
Develop skills essential to successful management. Hone your knowledge of banking and banking operations. Develop expertise in deposit and loan products, as well as sales management and customer service. Build effective communication skills. Gain insight into effectively managing staff and creating a culture of excellence. Explore techniques to raise the bar for delivering quality customer service.
Required Courses
Banking Basics Suite
Coaching to Support the Sales Process Suite
Employment Law
Ethical Issues for Bankers
Fundamentals of Consumer Lending Suite
Fundamentals of Small Business Banking Suite
Leadership in Action Suite
Leveraging the Benefits of a Diverse Workforce
Making the Client Call Suite
Management Essentials Suite
Overcoming Objections Suite
Presentation Skills Suite
Relationship Sales Suite
Sales Planning Suite
Servicing and Growing Small Business Relationships
Verbal Communications Suite
Why Quality Customer Service Matters Suite
Written Communication Suite
M $1,295 / NM $1,595
Customer Service Representative Certificate
Develop the key skills essential to successful customer service and relationship-building. Gain a broad understanding of bank products to be able to better cross-sell products and services. Learn ways to cultivate relationships with customers and discover tactics for responding to customer needs. Become better able to successfully resolve customer problems and objections.
Required Courses
Banking Basics Suite
Communication Basics Suite
Dealing Effectively with Co-Workers
Effective Referrals Suite
Ethical Issues for Bankers
Online Communications Suite
Overcoming Objections Suite
Relationship Sales Suite
Understanding Bank Products
Verbal Communications Suite
Why Quality Customer Service Matters Suite
Written Communication Suite
M $795 / NM $995
Digital Banker Certificate
This certificate helps bankers develop the knowledge and skills they need to provide quality customer service in today’s digital first world. Learn about the digital and mobile tools available to customers and how to provide excellent customer service on digital and social platforms. Gain insight into how demographics, technology infrastructure and data analytics play a crucial role in developing an effective digital payments strategy. Understand how to identify the risks associated with technology and protect systems and data from tampering or destruction.
Required Courses
Digital Banker Suite
Payments System Suite
Cybersecurity Fundamentals
M $225 / NM $325
Personal Banker Certificate
Develop essential skills for providing full-service banking. Build broad product knowledge and an understanding of the several types of retail deposit and loan products. Gain insight into how to offer the appropriate credit, deposit, and other banking services to meet customer needs and expectations.
Required Courses
Banking Basics Suite
Communication Basics Suite
Effective Referrals Suite
Ethical Issues for Bankers
Fundamentals of Consumer Lending Suite
Fundamentals of Small Business Banking Suite
Introduction to Analyzing Financial Statements
Making the Client Call Suite
Managing Time at Work
Online Communications Suite
Overcoming Objections Suite
Relationship Sales Suite
Sales Planning Suite
Understanding Bank Products
Verbal Communications Suite
Written Communication Suite
M $795 / NM $995
ILLINOIS BANKERS ASSOCIATION 34
Certificates
Supervisor/Team Leader Certificate
Develop skills critical for becoming a well-rounded leader –whether with or without direct reports. Build communication skills for a variety of situations: including collaboration, coaching, motivation, recognition, and corrective action. Gain insight into better managing employee relations and fostering open communication among staff members. Explore ways to interview, evaluate, and select employees while being mindful of legal considerations.
Required Courses
Banking Basics Suite
Building Collaborative Teams
Communication Basics Suite
Employment Law
Empowerment
Ethical Issues for Bankers
Leveraging the Benefits of a Diverse Workforce
Management Essentials Suite
Managing Change
Online Communications Suite
Presentation Skills Suite
Verbal Communications Suite
Why Quality Customer Service Matters Suite
Written Communication Suite
M $895 / NM $1,095
Universal Banker Certificate
Develop the key skills for catering to a new customer mindset. Explore multiple ways to fulfill customers’ sales, service, and referral needs as their single point-of-contact. Master cash handling and basic transactional skills. Perfect product and service sales skills. Discover ways to build relationships and create referrals to other lines of business.
Required Courses
Banking Basics Suite
Communication Basics Suite
Dealing Effectively with Co-workers
Effective Meetings
Ethical Issues for Bankers
Managing Change
Online Communications Suite
Overcoming Objections Suite
Presentation Skills Suite
Relationship Sales Suite
Verbal Communications Suite
Why Quality Customer Service Matters Suite
Written Communication Suite
M $795 / NM $99
ILLINOIS BANKERS ASSOCIATION 35
Certificates
Wealth Management
ABA Training
Online Instructor-Led | Trust Fundamentals
IRA Online Institute
This course is a comprehensive, 12-week, web-based IRA training program developed and supported by Ascensus’ experienced instructors. This innovative training program teaches you in-depth, essential IRA information, and is the only approved online training program that prepares you to take the Certified IRA Services Professional (CISP) exam. Extensive IRA reference materials, objective-based training methods, and practical applications of IRA rules create an effective learning environment. Students should expect to spend 15-20 hours a week completing the readings and assignments, depending on prior knowledge of IRAs.
Audience IRA Services Professionals with one to two years’ experience or for those preparing for the CISP exam.
M $1,795 / NM $1,995 Start Dates – 2/19, 9/2
Online Self-Paced
CTFA Exam Online Prep
A comprehensive, convenient way to prepare for the CTFA designation. Participants use the Reference Guides to Wealth Management and Trust as their study tool and have access to an interactive online exam prep platform, including video and audio lessons, readings, flashcards, learning games, an integrated online discussion board and practice exams.
Learning Objectives
Explain how fiduciary and trust activities are related to basic trust administration
Develop an understanding of federal estate and gift taxation, planning for gifts and related tax-planning strategies
Describe basic investments management and the economics markets
Apply personal financial planning concepts as a tool to enhance client relationships
Audience Designed for those preparing for the Certified Trust and Fiduciary Advisor (CTFA) Exam. The CTFA is applicable to financial services professionals whose primary function and expertise focus on the provision of fiduciary services related to trusts, estates, guardianships, and individual asset management accounts.
Additional Online Self-Paced Courses
Audience Trust officers with at least three years of personal trust experience need a deeper understanding of technical trust concepts and how solutions work when applied to client needs. M $135 / NM $185 per course (unless otherwise noted)
Account Acceptance and Termination
Alternative Investment Products
Annuities
Applied Behavioral Finance
Applying Fiduciary Principles and Ethics
Asset Allocation and Diversification
Bond Selection and Analysis
Developing a Personalized Wealth Management Strategy
Developing and Delivering a Compelling Personal Value
Proposition
Discretionary Distributions
Duties and Powers of the Trustee
Economics & Markets
Education Planning for Minors
Effective Client Engagement Through "Wealth Personas"
Emotional Intelligence for Wealth Advisors
Engaging in Multigenerational Conversations with Clients
Engaging with Centers of Influence
Environmental Liabilities of Fiduciaries
Estate and Probate Administration
Estate Planning for the Business Owner
Estate Planning for the Marital Deduction
Estate Planning Fundamentals
Federal Estate Tax
Fiduciary Compliance
Fiduciary Ethics
Fiduciary Income Tax
Full Balance Sheet Advice
Fundamentals of Insurance $175/$225
Fundamentals of Life Insurance $175/$225
Generation-Skipping Transfer Tax
Gift Strategy and Taxation
Importance of Proper Titling of Assets and Regular Titling
Reviews
Individual Income Tax
Individual Retirement Accounts
Interacting with Financial Advisors - Internal and Third-Party
Broker Dealers
Introduction to Fiduciary Risk Management and Compliance
Introduction to Integrated Planning and Advice
Introduction to Investment Management
Introduction to Trust Administration
Investment Policy
Investment Products
Investment Strategies for Inherited Wealth
Know Your Competition
Life Insurance Policies
Managing Fiduciary Risk and Litigation
Managing the Dynamic Nature of Client Financial Needs
Mastering the Art of Inquiry
Philanthropic Planning
Planning Considerations for Life Insurance
Planning for Retirement
Post-Mortem Tax Planning
Preparing the 706
Prudent Portfolio Management
Qualified Retirement Plans
Selling Value
Special Needs Trusts
Stock Selection and Analysis
Structure Analysis and Advice
Sustainable and Responsible Investing
The Role of a Private Banker $95/$135
Trust Fundamentals
Types of Trusts
Understanding and Explaining Investment Performance
Understanding Fiduciary Principles
Understanding Gender, Culture, and Generational Influences
in Managing Wealth
ILLINOIS BANKERS ASSOCIATION 36
ABA Training
Certificates
Certificate in Asset Management
Learn how a client’s financial goals translate into their investment policy statements, inform investment decisions, what it means to be a prudent investor and how financial and non-financial assets work together. Learn how to evaluate inheritors’ financial goals, legal structures, and assets to develop a holistic post-inheritance investment portfolio management strategy. Apply approaches to interpret and restate clients’ wealth strategies by drawing from their financial plan documents. Develop an understanding of the unique characteristics of non-financial assets and alternative investments to enable you to deliver holistic advice and service. Explore current trends in sustainable and responsible investing, and the importance of proper titling of assets.
Required Courses
Introduction to Investment Management
Economics and Markets
Importance of Proper Titling of Assets and Regular Titling
Reviews
Asset Allocation and Diversification
Investment Policy
Investment Products
Sustainable and Responsible Investing
Bond Selection and Analysis
Stock Selection and Analysis
Alternative Investment Products
Developing a Personalized Wealth Management Strategy
Investment Strategies for Inherited Wealth
Prudent Portfolio Management
A Deeper Dive into Non-Financial Assets
M $1,795 / NM $2,395
Certificate
in Core Concepts and Ethics for Fiduciary
Advisors
Designed to accelerate onboarding of professionals moving into fiduciary-based advisory roles. Learn and apply essential fiduciary principles including wealth planning, investment management and account administration with this set of courses designed to accelerate new advisors' readiness to work directly with wealth clients in a fiduciary capacity.
Required Courses
Applying Fiduciary Principles and Ethics
Fiduciary Ethics
Introduction to Fiduciary Risk Management and Compliance
Introduction to Integrated Planning and Advice
Introduction to Investment Management
Understanding Fiduciary Principles
Trust Fundamentals
M $895 / NM $1,095
Certificate in Fiduciary Principles and Ethics
A top priority for fiduciary professionals is holding their clients’ interests ahead of their own. Learn the ethical standards applied to fiduciary professionals integrity, the duty to avoid conflicts of interest, competency, fairness and professionalism, and the responsibility not to engage in unauthorized practices. Gain a full understanding of fiduciary standards, rules and regulations designed to provide beneficiaries with the highest level of care and consideration by financial professionals.
Required Courses
Understanding Fiduciary Principles
Fiduciary Ethics
Applying Fiduciary Principles and Ethics
M $395 / NM $495
Certificate in Fiduciary Relationship Management
Develop fiduciary skills that go beyond foundational technical knowledge to meet evolving client expectations and behaviors. Learn key skills that enable exceptional relationship management including the ability to identify clients’ generational, gender and cultural characteristics, emotions, and other factors to enable in-depth discovery conversations, meaningful dialogue, and consultative presentations. This certificate will position you as a skilled advisor to not only your current clients, but also to future generations.
Required Courses
Managing the Dynamic Nature of Client Financial Needs
Know Your Competition
Mastering the Art of Inquiry
Engaging in Multigenerational Conversations with Clients
Developing and Delivering a Compelling Personal Value Proposition
Effective Client Engagement Through “Wealth Personas”
Emotional Intelligence for Wealth Advisors
Understanding Generational, Gender and Cultural Characteristics in Managing Wealth
Engaging with Centers of Influence
Interacting with Financial Advisors/Brokers
Selling Value
M $1,295 / NM $1,795
Health Savings Account (HSA) Expert Certificate
A comprehensive overview of HSA requirements for financial institutions and benefits administrators. Designed to help HSA providers and their staff master key requirements, situations, and strategies to better serve HSA account holders, the certificate is the product of HSA Consulting Services and its president and founder, Roy Ramthun, and is distributed in cooperation with the ABA HSA Council. Registration also includes a digital copy of the HSA Owners' Manual. Courses
Overview of Health Savings Accounts
HSA Eligibility
HSA Contributions
HSA Distributions
HSA Account Administration
HSA Benefits, Strategies, and Best Practices
How Much Do You Know About HSAs?
Individuals who successfully complete the course and the timed 1 hour, 40 question online exam earn a 3-year HSA Expert Certification from HSA Consulting Services.
M $795 / NM $1,095
ILLINOIS BANKERS ASSOCIATION 37
ABA Training
Certificate in Integrated Wealth Planning and Advice
Learn how personal finance, tax, insurance, retirement, and estate planning work together to help clients define and achieve their objectives during and beyond their lifetime. Learn the tax considerations and gifting strategies surrounding individual income tax, fiduciary income tax and federal estate tax. Gain foundational knowledge on the fundamentals of insurance and the features of life insurance policies and annuities. Explore planning considerations IRAs, how benefits are coordinated with the estate plan and the planning aspects of various retirement plans. Gain a better understanding of the marital deduction, charitable techniques to accomplish estate and financial planning objectives and tax implications of education plans and how trusts can be used for this purpose.
Required Courses
Introduction to Integrated Planning and Advice
Tax Planning
Individual Income Tax
Fiduciary Income Tax
Gift Strategy and Taxation
Generation-Skipping Transfer Tax
Federal Estate Tax
Insurance Planning
Fundamentals of Insurance
Life Insurance Policies
Annuities
Retirement Planning
Planning for Retirement
Qualified Retirement Plans
Individual Retirement Accounts
Estate Planning
Estate Planning Fundamentals
Estate Planning for the Marital Deduction
Philanthropic Planning
Education Planning for Minors
Estate Planning for the Business Owner
Advising Clients
Full Balance Sheet Advice
Structure Analysis and Advice
M $2,395 / NM $3,095
Private Banker Certificate
This certificate program prepares private bankers with knowledge about integrated wealth planning and advice, investment and asset management strategies, legal entity structures used to manage wealth (including trusts), and techniques for engaging with clients with high net worth.
Required Courses
Introduction Planning & Advice
Investments
Trusts
Relationship Management
Qualitative Analysis and Determining a Credit Risk Rating
Suite
M $3,495 / NM $4,595
Certificate in Trust Administration
Explore the requirements to create a trust, common types of personal trusts, account acceptance and termination considerations, and other factors to consider in making discretionary distributions. Learn about the scope of a trustee’s duty of authority, typical trust guidance and common discretionary standards to make sound discretionary decisions. Discover preliminary matters relating to guardian administration, including responsibilities in estate asset inventory and asset management, closing a guardianship/conservatorship and how a special needs trust can protect current or anticipated family funds without jeopardizing government benefits.
Required Courses
Trust Fundamentals
Introduction to Trust Administration
Duties and Powers of the Trustee
Types of Trusts
Discretionary Distributions
Account Acceptance and Termination
Estate and Probate Administration
Special Needs Trusts
M $895 / NM $1,195
Resources
Wealth Advisory and Personal Trust Series
The four workbooks are a desktop reference for wealth advisors and a resource for employees who want to sharpen their skills in preparation for the Certified Trust and Financial Advisor (CTFA) examination. Each section in every workbook has chapter review questions and answers, a sample test and answers, and a list of additional resources on the Internet and in print.
The Fiduciary and Trust Activities Workbook
Trust and Probate Law and Custom; Investment Responsibilities of a Trustee; Environmental Law and Ethics
The Financial Planning Workbook
Personal Finance/Insurance products; Retirement & Estate Planning; Ethics
The Investments Management Workbook
Economics and markets, Equity and debt markets and portfolio management; Alternative Investments and Investment policy; Performance measurement and evaluation; Ethics and legal considerations
The Tax Law and Tax Planning Workbook
Income taxation of individuals, fiduciaries, and charitable entities; Federal estate, gift, and generation-skipping taxes; Planning for gifts, credit shelters, marital and non-marital taxes; Post-mortem planning; Planning for retirement benefits; Ethical considerations for individuals and entities serving as fiduciaries.
M $165 / NM $225 Each M $575 / NM $775 Full Series
ILLINOIS BANKERS ASSOCIATION 38
Certificates
Resources and Publications
IBA Annual Bank Directory
Features profiles of every state and nationally chartered bank in Illinois, including address, phone, and fax numbers, holding company affiliation, lead bank indication, balance sheet data, MICR numbers, wire numbers, key bank officers, bank directors, correspondent banks and branch office location information. New edition available every January M $85 / NM $125
Illinois Bank Compensation & Benefits Survey
The survey results include annual compensation and noncash compensation and other benefits such as sick leave, vacation time, bonus information, directors' compensation, and benefits. The results are available by the beginning of June. Nonparticipants - $499
Illinois Banker Magazine
Offers the latest in association, industry and regulatory, and association news in a format that best accommodates busy schedules. Features include economic outlooks, latest technology trends and articles for senior executives and bank directors. $90 Annual Subscription
Illinois Guide to Bank Record Retention
IBA has relied on the association-produced record retention guide to not only stay in compliance with state and federal retention requirements, but to also save money by not keeping records longer than necessary. It provides a federal and Illinois schedule of records and suggested policy and procedures to help guide you.
M $249 / NM $399
Legal Holiday Closing Signs (English/Spanish)
Make sure customers are aware of the bank's observed holidays. Each static cling sign is bright, easy-to-read, professional looking and easily adheres to glass. Includes ten signs for the legal holiday schedule for banks in Illinois.
M $25.95 / NM $35.95 per set
ABA Textbooks support the ABA curriculum and cover a wide variety of subjects in banking and financial services.
Find these and more products here!
OtherUpcomingEvents
Connect with your banking peers, industry partners, and IBA staff for an action-packed day of 18 holes of golf. Bring your colleagues, directors, and guests. We kick off with a legislative report as well as a brief IBA update. The fun begins with an afternoon of golf followed by a cocktail reception for prizes, networking and more fun!
Spring Golf Outing
May 16 – St. Clair Country Club, Belleville, IL
Fall Golf Outing
September 30 – Bloomington Country Club
Chicago Area Chapter Holiday Breakfast
December 5, 2024 – The Westin Chicago Lombard
This annual event is held exclusively for Illinois bankers to learn the latest in industry trends. It begins with a delicious breakfast followed by a brief business meeting and legislative update. The finale of the event is a keynote speaker who addresses a pressing topic relative to the bankingindustry.
ILLINOIS BANKERS ASSOCIATION 39
ILLINOIS BANKERS ASSOCIATION 40 Index ABA Bank Director Series 23 ACH Exception Handling 9 Advanced Ag Lenders Conference 13 Advanced BSA/AML Academy 5 Advanced IRAs 9, 29 Ag Banking Conference 13 Analyzing Bank Performance................................................3 Analyzing Business Financial Statements & Tax Returns Suite 16 Analyzing Cash Flow and Tax Returns 14 Analyzing Financial Statements..........................................16 Analyzing Personal Financial Statements & Tax Returns Suite 16 Analyzing Tax Returns and Calculating Traditional Cash Flow 14 Appraisal and Evaluation Compliance 6 Bank Counsel Conference 4 Bank Directors’ Symposium 21 Bank Marketing Peer Group...................................................24 Bank Marketing: Building Customer Relationships 24 Bank Payment Systems and Technology 30 Bank Sales and Service: Expanding Customer Relationships 30 Bank Solutions Provider Certificate 34 Bank Teller Certificate 34 Banking Basics Suite...........................................................30 Banking Fundamentals 30 BankTech Conference 26 Branch Manager Certificate.................................................34 Breaking into Banking 101: Fundamentals of Commercial 15 Breaking into Banking 201: Analyzing Repayment Sources 15 Breaking into Banking for Interns 15 Breaking into Banking Powered by Keusal Learning 15 BSA/AML Compliance & Regulators’ Forum 4 BSA/AML Yearend Wrap-Up....................................................9 Build Your Campaign 24 Building Client Loyalty and Growing the Bank 14 Call Report Preparation 7 Cash Management/Treasury Peer Group 27, 28 CEO Peer Group 22 Certificate in Asset Management 37 Certificate in Bank Financial Management 3 Certificate in BSA and AML Compliance 11 Certificate in Business and Commercial Lending 18 Certificate in Compliance Essentials 11 Certificate in Core Concepts and Ethics for Fiduciary Advisors 37 Certificate in Deposit Compliance 11 Certificate in Fiduciary Principles and Ethics 37 Certificate in Fiduciary Relationship Management 37 Certificate in Financial and Credit Risk Management 11 Certificate in Fraud Prevention 11 Certificate in Integrated Wealth Planning and Advice 38 Certificate in Lending Compliance Core Concepts 11 Certificate in Mortgage Lending Compliance .........................12 Certificate in Operational Risk Management 12 Certificate in Risk Management Frameworks 12 Certificate in Trust Administration .....................................38 Chief Financial Officer (CFO) Peer Group 3 Coaching to Support the Sales Process Suite 31 Commercial Lending............................................................16 Commercial Lending School 13 Commercial Real Estate Lending Decision Process - Core Curriculum 16 Commercial Real Estate Lending Decision ProcessUnderwriting Bundle .......................................................16 Communication Basics Suite 19, 31 Compliance Conference 4 Compliance Forums.................................................................5 Compliance Management System (CMS) Essentials 7 Consumer Credit Basics 31 Consumer Lending 16 CRA Modernization – What’s the Big Deal 8 CRCM Online Exam Prep 9 Credit Compliance, Part 1 4 Credit Compliance, Part 2 4 Credit Compliance, Part 3 4 CTFA Exam Online Prep 36 Customer Service Representative Certificate 34 Dealing Effectively with Co-Workers............................20, 33 Deposit Compliance 4
ILLINOIS BANKERS ASSOCIATION 41 Digital Banker Certificate.....................................................34 Directors Education Series 23 Education and Trainers Peer Group 19, 28 Effective Referrals Suite......................................................17 Employment Law 20, 23, 32 Essential Elements of the High-Performing Team 22, 28 Essential Selling Skills Bundle 31 Essentials of Commercial Credit Analysis Series 14 Essentials of Workplace Conduct 20, 33 Ethical Issues for Bankers 17, 19, 30 Event Networking 20, 33 Family-Owned and Closely Held Bank Strategic Retreat 21 Financial Statement Analysis, Direct (UCA) Cash Flow Analysis, Working Capital, and C&I Lending 14 Find Your Audience 24 Foundational Certificate in Bank Marketing 25 Fundamentals of Consumer Lending Suite 31 Fundamentals of Small Business Banking Suite 17, 33 General Accounting .............................................................30 Getting More Meetings 29 Graduate School of Banking 22 GSB Bank Technology Security School .................................26 GSB Financial Managers School 3 Handling Mortgage Inquiries and Making Referrals 17, 31 Health Savings Account (HSA) Expert Certificate.............37 HSA Workshop 8 Human Resources Peer Group 19 IBA Annual Bank Directory 39 IBA Compliance Connection® 12 Illinois Bank Compensation & Benefits Survey 39 Illinois Banker Magazine 39 Illinois Guide to Bank Record Retention 39 Improving Productivity 20, 23, 32 Individual Retirement Accounts 32 Internal Bank Audit School 5 Introduction to Agricultural Lending..................................16 Introduction to Analyzing Financial Statements 17, 33 Introduction to Commercial Lending and Financial Accounting 14 Introduction to Retail Lending ............................................14 IRA Essentials 8, 29 IRA Online Institute 36 Leadership in Action Suite......................................20, 23, 32 Leading, Developing, and Engaging the Team 22, 28 Legal Foundations in Banking..............................................9 Legal Holiday Closing Signs 39 Lending Forum 13 Leveraging the Benefits of a Diverse Workforce...20, 23, 32 Loan Structuring, Documentation, Pricing and Problem Loans 17 Management Essentials Suite 20, 23, 32 Managing Funding, Liquidity and Capital............................3 Managing Interest Rate Risk 3 Managing the Bank’s Investment Portfolio 3 Managing Time at Work 20, 33 Marketing in a Digital World: Digital Campaigns 24 Marketing in Banking 24 Marketing Management 24 Marketing Planning 24 Midwest Agricultural Banking School 13 Midwest Trust and Wealth Management Conference 21 Money and Banking 30 Mortgage Customer Counseling and Prequalification......17 Online Communication Suite 19, 31 Operations Peer Group 27 Operations School..............................................................5, 26 Payments System Emerging Products 33 Payments System Training Suite 33 Payments System Trends ...................................................33 Performing Your ACH Audit 7 Personal Banker Certificate 34 Personal Tax Return Analysis 17, 32 Presentation Skills Suite 19, 31 Private Banker Certificate 38 Putting It All Together: Credit Memos, Loan Grading, Portfolio Management, and Effective Communication 14 Qualitative Analysis and Determining a Credit Risk Rating Suite 17 Raising the Bar for Sustainable Growth 22, 29 Real Estate Lending Compliance Workshop 6 Reference Guide to Regulatory Compliance, 33rd Ed. 12 Referring Insurance and Annuity Clients 32 Referring Investment Clients 32 Referring Trust Clients 32 Regulatory Compliance Series 4 Regulatory University 12 Relationship Sales for Small Business Clients Suites 17 Residential Mortgage Lender Certificate................................18 Retail Banking Leadership Series: Building a High-Performing
ILLINOIS BANKERS ASSOCIATION 42 Retail Team..................................................................22, 28 Retail Lending Compliance, Documentation and Portfolio Management 14 Retail Lending Series 14 Sales Excellence Bootcamp: Helping Bankers Become Elite Business Developers ...................................................15, 29 Search Engine Optimization 24 Security Officer Workshop 6 Selling in a Social World......................................................31 Senior Retail Banking Peer Group 19, 28 Serving with Excellence and Growing the Retail Branch 22, 29 Sexual and Workplace Harassment..............................20, 33 Sexual and Workplace Harassment for Managers 20, 32 Small Bank CEO Peer Group 22 Small Business Banker Certificate .....................................18 Small Business Basics 17 Small Business Borrowing Suite 18, 33 Small Business Operating and Life Cycle 18 Small Business Products Suite 18 Supervisor/Team Leader Certificate...................................35 Technology Peer Group 27 Tele-Consulting Curriculum 31 Teller Basics Suite...............................................................30 The Commercial Real Estate Lending Decision Process –Full Curriculum 16 The Dos and Don'ts of Guaranties 6 The Illinois Trust Code: Highlights for Fiduciaries.............8 The Lending Decision Process Series 17 The ONE Conference 26 Third-Party Management Essentials 8 Treasury Management 18 Understanding Bank Performance 3 Understanding Business Borrowers 18 Universal Banker Certificate 35 Verbal Communication Suite 19, 31 Wealth Advisory and Personal Trust Series 38 Why Quality Customer Service Matters Suite 32 Winning More Customers....................................................29 Written Communication Suite 19, 31
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