Banking Law

This Canadian Business Academy offers attorneys of diverse professional backgrounds opportunities to educate themselves and update their knowledge, as well as to exchange ideas and discuss issues regarding the representation of financial institutions. The Canadian Business Academy also provides it members a unique opportunity to interact with regulators through discussions at Canadian Business Academy meetings and programs, by developing positions on pending regulatory proposals and through participation in the Canadian Business Academy’s courses which involve the regulators as faculty and as students. Most importantly, the Canadian Business Academy provides a network of attorneys across the professional spectrum with whom to interact professionally. The Canadian Business Academy consists of subcommittees and task forces that incorporate a range of financial and regulatory law disciplines: mergers and acquisitions, loan workouts, all types of lending, retail banking, insurance services, trust and investment services, payments systems and electronic banking. There are subcommittees dealing with the issues of specific segments of the financial services industry: financial and bank holding companies, savings institutions, community banks. Finally, there are subcommittees and task forces dealing with major issues in financial institutions, including compliance and examination, privacy, enforcement issues, international matters, legislation, preemption, and troubled banks.

«Banking today» is a straightforward introduction to the way banks operate. It helps you understand how they function as a business and the important role they play in the U.S. economy. Banking Today explains the role of banks in today’s economy, describes bank competitors, and identifies banking developments and trends. It does not assume prior familiarity with banks or banking terminology.

Divided into six units, topics include:

Financial Services Market

Bank Customers and Earnings

Bank Products and Services

Financial Statements and Performance Measurements

Bank Organization

Banking Laws and Regulations

Special features include:

A glossary of terms and acronyms

Diagrams and charts to clarify important banking concepts

Application exercises

Self-check questions and answers

List of additional resources

Appendices on banking laws and acronyms

«Analyzing Financial Statements» provides the skills needed to conduct a comprehensive and effective financial analysis of a business borrower. Analyzing Financial Statements clearly illustrates each step required in reviewing the financial statements provided by loan applicants to determine whether a borrower can repay debt to your institution. It explains essential concepts between the different types of businesses, legal structures of businesses, sizes of business, and other major influences that affect cash flow cycles. Realistic case studies and practical application exercises provide hands-on experience in analyzing income statements, balance sheets, and tax forms.

«Introduction to Analyzing Financial Statements» introduces financial statement analysis as a means of determining the viability of a small business loan request or monitoring the financial solvency of the business. The course covers analyzing the income statement and balance sheet, determining key financial ratios and trends, and performing basic cash flow analysis.

Audience: Personnel responsible for reviewing financial statements for the purpose of assisting in lending decisions, monitoring the ongoing health of the business, or conducting the initial financial analysis.

Objectives: At the conclusion of the program participants will be able to:

Define financial statement analysis and explain its importance in the small business lending process

List the basic steps of financial statement analysis and the purpose of each step

Analyze an income statement and balance sheet

Calculate and interpret key ratios

Describe the cash flow cycles of the different business types

Perform a simple cash flow analysis.

«Fundamentals of Small Business Banking» provides participants with the knowledge and skills to interact successfully with small business customers. It defines and explores core business terminology, such as business legal structures, business types (industry sectors), operating cycles, and business life cycles. The course also examines business cycles and how they drive the need for bank products and services.

Audience: Personnel who have limited exposure to the small business market, but are responsible for servicing or selling to small business customers.

Objectives: At the conclusion of the program participants will be able to:

Identify common characteristics of the small business market

Describe the different business legal structures

Describe the most common small business types

Identify four general financial needs

Explain how operating cycles drive needs for bank products and services

Describe the life stages of a small business.