Events

Government Affairs Committee Meeting

Government Affairs Committee:  determines CBA’s positions and actions on legislative, regulatory and political matters, including litigation.  Participants should have an interest in politics and be in mid- to senior-level management.  Utilizes Legislative Review Subcommittee, Regulatory Review Subcommittee, PAC, and other task forces as necessary

If you are interested in joining this committe, please contact Lexie at .(JavaScript must be enabled to view this email address)

Date/Time: 12/1/2010 12:00 - 2:00 pm
Subject: CBA Special Events
Format: Live, In-Person

Government Affairs Committee Meeting

Government Affairs Committee:  determines CBA’s positions and actions on legislative, regulatory and political matters, including litigation.  Participants should have an interest in politics and be in mid- to senior-level management.  Utilizes Legislative Review Subcommittee, Regulatory Review Subcommittee, PAC, and other task forces as necessary

If you are interested in joining this committe, please contact Lexie at .(JavaScript must be enabled to view this email address)

Date/Time: 11/3/2010 2:00 - 3:00 pm
Subject: CBA Special Events
Format: Teleconference

Government Affairs Committee Meeting

Government Affairs Committee:  determines CBA’s positions and actions on legislative, regulatory and political matters, including litigation.  Participants should have an interest in politics and be in mid- to senior-level management.  Utilizes Legislative Review Subcommittee, Regulatory Review Subcommittee, PAC, and other task forces as necessary

If you are interested in joining this committe, please contact Lexie at .(JavaScript must be enabled to view this email address)

Date/Time: 10/6/2010 12:00 - 2:00 pm
Subject: CBA Special Events
Format: Live, In-Person

The New Mortgage Reform and Anti-Predatory Lending Act

This huge new law will significantly impact your mortgage lending operations for years to come.  This program explores the requirements and explains how they will impact your financial institution.

 

Congress has completed the Dodd-Frank Wall Street Reform and Consumer Protection Act. Title XIV of the Dodd-Frank Act is the Mortgage Reform and Anti-Predatory Lending Act (MRAPLA). MRAPLA contains over 200 pages of new and revised mortgage lending rules. The rules will unfold over the next three years. This program explores the requirements of MRAPLA and explains how they will impact your financial institution. Upon completion, participants will understand the provisions of the MRAPLA that:

• Require policies and procedures to assure that consumers are offered and receive residential mortgage loans on terms that reasonably reflect their ability to repay the loans and that are understandable and not unfair, deceptive or abusive.
• Contain a prohibition against providing compensation that varies based on the terms of the loan (other than the amount of the principal).
• Prohibit mortgage originators from steering any consumer to a residential mortgage loan that the consumer lacks a reasonable ability to repay or has predatory characteristics or effects.
• Add to the liability provisions of the Truth in Lending Act.
• Provide that no creditor may make a residential mortgage loan unless the creditor makes a reasonable and good faith determination based on verified and documented information that, at the time the loan is consummated, the consumer has a reasonable ability to repay the loan, according to its terms, and all applicable taxes, insurance (including mortgage guarantee insurance), and assessments.
  • A creditor shall determine the ability of the consumer to repay using a payment schedule that fully amortizes the loan over the term of the loan.
  • The creditor is required to verify income.
• Place restrictions on the financing of single premium credit insurance.
• Require new disclosures related to state anti-deficiency laws.
• Require disclosures of the creditor's policy on the acceptance of partial payments.
• Require new disclosures for hybrid adjustable rate mortgages.
• Require a periodic statement for residential mortgage loans.
• Establish new coverage rules for high cost mortgages (APR exceeds APOR by 6.5 percentage points in a first lien transaction or 8.5 percentage points in a subordinate lien transaction or the total points and fees exceed a new threshold) and new restrictions on balloon payments, late charges, fees to obtain a payoff statement, and other provisions.
• Establish expanded housing counseling provisions.
• Update and simplify the RESPA Settlement Costs booklet.
• Expand escrow requirements;
• Establish a new notice and procedures related force-placed insurance.
• Establish new appraisal standards (effective within 90 after enactment).

 

Presenter

Jack Holzknecht, Pegasus Educational Services, LLC

 

Audience

Compliance officers, auditors, credit department managers, and other lending and operations personnel impacted by the new law.

 

CE Applied: 2.5 hrs. CRCM/CLBB/CPB w/the Institute of Certified Bankers

CE Awarded: 2 hrs. w/the Texas State Board of Public Accountancy

To register, click on the link below

Date/Time: 9/23/2010 12:30-2:30 pm
Subject: Lending
Format: Webinar

Financial Managers School

This one-week School goes beyond the basics to present best practices and solutions to todya's most critical financial management decisions.  Designed by experienced CFO's for financial institution finance managers, this School provides you with the tools you need to build a solid foundations in asset/liability management.

Location: Madison, WI
Date/Time: 9/19/2010-9/24/2010
Subject: Leadership & Management
Format: Live, In-Person

Consumer Lending for Commercial Lenders

Community bankers are often generalists when it comes to their lending practice and portfolio, and they frequently deal with all types of loans. This new program has been specially developed for commercial lenders who need training in consumer lending principles and practices.

 

This new program was suggested by a frequent webinar participant who desires to gain an understanding of consumer lending from the perspective of a commercial banker.   Community bankers are often generalists when it comes to their lending practice and portfolio, and they frequently deal with all types of loans and customer needs. 

 

When a commercial lender turns his attention to the financial needs of the individuals who own or manage the affairs of commercial borrowers, the credit question changes focus, decision parameters and credit tools.  The late Stanley Marcus of Nieman Marcus said it well, “Consumers are statistics, customers are principles.”

 

Consumer and commercial lending have similarities, but they are also significantly different in many principles and practices.  Experienced lenders will receive a strong refresher while new or less experienced bankers will build the skills and perspective needed to deal with a customer’s consumer credit needs.  The presentation is low on theory and high on practical and "real world" application.

Highlights

• How and why consumer lending is a highly desirable component of your bank's loan portfolio;
• Understanding consumer lending risks and rewards;
• Sound consumer lending principles, practices and tools;
• Understanding very significant differences between consumer and commercial lending;
• Consumer loan underwriting and case studies;
• Leveraging income, not capital.

 

Audience

All lending personnel will benefit from this program including lenders, credit analysts, branch managers and lending assistants.

 

CE Awarded:  2 hrs. with the Texas State Board of Public Accountancy

CE Applied: 2.5 hrs. CRCM/CLBB/CPB with the Institute of Certified Bankers

 

Speaker

Bob Ullom, a nationally known banking educator, brings 40 years of banking and bank management experience to this new program.  Bob is president of R.V. Ullom & Company.  The company was founded in 1989 with the mission of providing relevant, practical and “real world” educational services to the financial services industry on a nationwide basis.  Bob, founding President of two successful start-up banks, has taught more than 100,000 bankers in 38 states over the past 21 years.   

 

To register, click on the link below

Date/Time: 9/17/2010 12:30-2:30 pm
Subject: Lending
Format: Webinar

IT Audit 101

Regulatory requirements and best practices both say you need to have an audit performed annually commensurate with the risk level of the function. Whether you have been tasked with performing the audit, or you just want to be prepared, join us for this high level IT Audit 101 webinar.

 

You might have thought the regulators lost interest in your IT operations and data security (or maybe that’s just wishful thinking) but think again. IT and general security controls are alive and well. Even if your exam was scaled back, your auditors will continue to audit the function. Regulatory requirements and best practices both say you need to have an audit performed annually commensurate with the risk level of the function. Also, did you know a regulatory exam doesn't count towards your audit requirement?  The audit is in addition to a Federal or State examination. Good news is you can perform the audit internally or you can outsource it to someone with experience and knowledge, or maybe a combination of both. Bottom-line, you need to make sure you have a strong audit program in place.  Word on the street is, examiners will often rely on the audit if it is comprehensive, which means they may spend less time in the bank. 

Regardless of whether you have been tasked with performing the audit, or you just want to be prepared, join us for this high level Audit 101 webinar.

 

Highlights

• Overview of the audit program
  • Responsibilities
  • Format
  • Report
• Key areas of focus
  • Operations
  • Controls and policies
  • Testing
  • Training

 

Audience

Internal auditors, compliance officers, risk managers, senior management, operations officers, IT management. 

 

CE Applied: 2.5 hrs. CRCM/CFSSP w/the Institute of Certified Bankers

 

Presenter

Susan Orr, CISA, CISM, CRP, is an industry expert with vast regulatory, risk management, and security knowledge. During her 14-years as bank examiner, Susan held numerous lead positions including Regional IT Examination Specialist, Special Assistant to the Regional Director, and Special Assistant to the Vice Chairman of the FDIC. Susan was lead instructor for the FDIC's technology school. She currently consults for security providers and performs IT security/regulatory reviews for financial institutions.

To register, click on the link below

Date/Time: 9/16/2010 12:30-2:30 pm
Subject: Compliance
Format: Webinar

New Compensation Rules: How to Create Effective Performance Incentives While Maintaining Compliance

The Federal Reserve has issued Final Guidance on Incentive Compensation Arrangements. While the real target is the high risk activities of Large Banking Organizations (LBOs), the new rules apply to banks of all sizes and will be enforced through regular banking examinations.  At the same time, regulators are tightening the interpretation of wage and hour law, requiring many banks to rethink how they pay employees. And the IRS is joining forces with the Department of Labor to crack down on "independent contractor" arrangements.

 

Why Participate?

The challenge for community and regional banks is to devise compensation plans that create effective financial incentives for top performance and production, while discouraging undue risk-taking and keeping within the legal and regulatory parameters.

 

Highlights

In this webinar, you will learn about:

• The Federal Reserve Final Guidance on Incentive Compensation Arrangements;
• A new DOL Interpretation requiring overtime pay for lenders;
• Other government action that affects compensation;
• Evaluating your current compensation plan; and
• Creating policies and agreements that accomplish your compensation goals in a compliant manner.

 

Audience

Human resource staff; bank counsel; compliance personnel, risk managers, and senior bank management.

 

CE Applied:  2.5 hours CRCM with the ICB and 2 hours HRCI credit.

CE Awarded: 2 hrs. w/the Texas State Board of Public Accountancy

 

Presenter

Marian Exall practiced law in Atlanta before becoming Home Depot's senior employment counsel, where she served until 1999.  She has handled every kind of employment dispute from internal grievances to major class actions. She is an arbitrator on the American Arbitration Association's Employment Panel and is certified as a Senior Professional in Human Resources.  A co-founder of Employment Law Compliance, Inc., she now devotes herself to preventive practice, concentrating on HR policy, program development, training, investigations, and dispute resolution. She is a frequent speaker, including appearances on CNBC and Fox News. She is a graduate of the London School of Economics and obtained her J.D. with distinction from Emory University of Law.

To register, click on the link below

Date/Time: 9/14/2010 12:30-2:30 pm
Subject: Compliance
Format: Webinar

Basic Consumer Lending

A Two-part Webinar Series

As regulators have become more and more concerned about commercial real estate exposure in commercial banks, consumer lending has returned as a viable source of earning assets. In additional to risk diversification, improved interest rate spreads derive from a strong consumer loan process. Declining real estate values and credit scores create quite the challenge for today's lenders. Professional lenders require two distinct skill sets: Sales Skills and Underwriting Skills. This two part series employs practical techniques that will result in increased loan volume and higher quality loans. In addition to lecture, case studies will be used.

 

Highlights

Part 1 - September 13, 2010, 1:30-3:30 CT

• Current Industry Trends
• Taking The Loan Application
• Qualifying Income
• Essence of the Credit
• Credit Bureau Reports
• Credit Policy Exceptions

 

Part 2 - September 20, 2010, 1:30-3:30 CT

• Credit Scoring
• Validating Your Cut-Off Scores
• Employment Verification
• Measuring the Capacity to Pay
• Measuring Willingness to Pay
• Collateral Considerations
• Documenting the Approval Process

 

Audience

The primary audience is consumer lenders with new business development and basic lending responsibilities. Participants may attend either or both sessions. However,  it is recommended that you participate in both to gain the maximum benefit from the course of instruction.

 

CE Applied: 2.5 hrs. ea. CLBB/CPB/CCSR  with the Institute of Certified Bankers

CE Awarded: 2 hrs. ea. with the Texas State Board of Public Accountancy

 

Speaker

David Kemp is President of Bankers Management, Inc., (BMI) a nationally recognized company in financial services training and consulting. Prior to forming BMI, he served as VP/Director of Credit Services--Cannon Financial Institute, where he trained bankers nationwide. He also delivered credit and sales training to banking associations and financial institutions.  Before joining Cannon, David was Vice President of Corporate Finance with Citicorp North America. 

 

To register, click on the link below

Date/Time: 9/13/2010-9/20/2010
Subject: Lending
Format: Webinar

Commercial Real Estate Loan Documentation

A comprehensive overview of key documents and requirements, along with best practices in commercial real estate documentation

 

Commercial real restate lending is a current "hot" topic and source of significant problem credits.  This new seminar deals with most frequent mistakes and oversights plus key issues involved in sound commercial real estate lending.  Experienced lenders will find the material covered to be a beneficial review, while less experienced commercial real estate bankers will benefit from a strong foundation in the purpose, timing, use and legal aspects of commercial real estate documents.

 

Participants will receive a complete handout that will serve as a useful daily reference after the program. 

 

Highlights

• Appraisal requirements and regulator guidelines
• Creating liens:      

Notes, Mortgages and Deeds of Trust

• Legal descriptions
• Purchase and sale agreements
• Surveys, title commitments and title insurance, property and casualty insurance
• Environmental risk management guidance
• Flood regulations 
• Construction lending demands and requirements
• Essential loan administration:

Loan agreements and monitoring requirements.

 

Audience

The program is intended for anyone involved in commercial real estate lending including loan officers, loan assistants, secretaries, loan administration and review personnel and compliance personnel.

 

CE Applied: 2.5 hrs./session CLBB/CPB with the Institute of Certified Bankers

CE Awarded: 2 hrs./session with the TX State Board of Public Accountancy

 

Speaker

Bob Ullom - the program will be presented by Bob Ullom, nationally known banking educator.  Bob has been teaching loan documentation for more than 30 years.  He has a fun and direct teaching style which has been developed over a 40 year banking career during which he served as president of two  fast growing and profitable start-up banks.  Bob has taught over 10,000 bankers annually in more than 35 states.

To register, click on the link below

Date/Time: 9/10/2010 12:30-2:30 pm
Subject: Lending
Format: Webinar

Proposed Regulations on Garnishments and Exempt Funds

Several federal agencies have proposed a regulation that would require banks to research customer accounts before processing a garnishment.  This webinar outlines the proposal and its possible effects.

 

Several federal agencies have proposed a regulation that would require banks to research customer accounts before processing a garnishment. This webinar outlines the proposal and its possible effects.

 

Under federal law, certain federal payments to individuals are exempt from levy, garnishment, or attachment.  However, under state law, banks are often required to freeze accounts in response to a court order.  Generally, neither the creditor nor the court knows whether the 's account contains federal benefit payments. Historically, the banks' perspective has been that it is up to customers to assert any defense they may have that their funds are not subject to levy; banks normally do not review prior deposits to determine the presence of exempt funds before implementing a court ordered freeze unless required by state law. 

 

Why Participate?

If finalized, this proposal will require the bank to perform a "lookback" and to calculate a "protected amount" which shall be exempt from the court ordered freeze. Banks will be required to implement new research processes to identify accounts receiving federal payments and determine whether they are exempt. The changes will be significant and will require as much advance preparation as possible. The program is about the proposed regulation, not third party claims in general.

 

Highlights

• The "Interagency Guidance" proposed in 2007
• Payments exempt from third party claims
• Handling payments deposited via ACH vs. by check
• Identifying exempt payments by ACH batch header fields
• Handling commingled funds; i.e. combined deposits of exempt and non exempt items
• Determining the "protected amount"
• Fee prohibitions
• Required notice to account holder
• Deference to more protective state laws
• Safe harbor for compliance with federal regulation when in conflict with state requirements
• What to do when the U.S. has obtained the garnishment order
• Enforcement by the federal functional regulatory agencies

 

Presenter

Ken Golliher is a principal with Pegasus Educational Services, LLC. Prior to becoming a full time trainer, he was a community banker and then General Counsel for a regional consulting firm for financial institutions. He presents schools and seminars in over 25 states and has served on Compliance Schools sponsored by the OTS and the FDIC.

 

Audience

Personnel responsible for designing and implementing procedures for processing third party claims against customer funds and bank compliance officers. Attendees should have thorough knowledge of their state's laws and terminology regarding the processing of third party claims. This program does not encompass the laws of any particular state; questions regarding state law are not addressed.

 

To register, click on the link below

Date/Time: 9/9/2010 12:30-2:30 pm
Subject: Compliance
Format: Webinar

Bank Secrecy Act Staff Training

This webinar addresses all requirements of the bank's BSA/AML training program as outlined in the BSA/AML examination procedures. The manual and presentation provide a complete training solution on this important topic.

 

Bank Secrecy Act compliance is a "safety and soundness" issue. To pass the test financial institutions are required provide annual BSA training for appropriate personnel, including, but not limited to tellers, customer service representatives, lending officers and all other customer contact employees. This program addresses all requirements of the bank's BSA/AML training program as required by federal regulators and outlined in the BSA/AML examination procedures. The manual and the presentation provide a complete solution for training on this important topic.

 

Highlights

• Currency transaction reporting,
• Exemptions from currency transaction reporting,
• Record retention requirements,
• Customer Identification Program requirements,
• Customer Due Diligence responsibilities,
• Money Services Businesses requirements,
• A review of money laundering methods, and techniques to recognize money laundering,
• OFAC responsibilities,
• Suspicious activity reporting requirements and
• Penalties for non compliance.

 

In addition, BSA training must also include a "review of internal policies, procedures and processes."  A list of questions is provided to facilitate discussion of the bank's program at the end of each topic in the manual.

 

Why Participate?

• This is the most cost effective, time efficient way to meet the BSA's annual training requirement.
• BSA is a safety and soundness topic and, as such, carries more liability for the financial institution and its staff than any other regulatory issue.
• This program is presented using "real-world" examples in a very "down-to-earth" fashion.
• A comprehensive, easy-to-use manual is provided as a desk-top reference.

 

Audience

Anyone with BSA responsibilities, including tellers, CSRs, lending officers and all customer contact personnel. The program is suitable for new and experienced personnel. It is presented at the basic level.

 

CE Applied: 2.5 hours CRCM/CBT/CCSR/CPB/CFSSP credit with the ICB

CE Awarded: 2 hours with the Texas State Board of Public Accountancy

 

Speaker

Laura Wilson is a principal with Pegasus Educational Services, LLC.  Audiences routinely comment on her unique recollection of material and sense of humor.  At one time she served as compliance trainer for a $3 billion savings bank.  Later, she was a senior consultant/trainer for a consulting firm for financial institutions. She has also taught at compliance schools sponsored by the OTS and the FDIC.

 

To register, click on the link below

Date/Time: 9/8/2010 12:30-2:30 pm
Subject: Compliance
Format: Webinar

The Future of the Branch

Now is the time to evaluate the impact of dramatic reductions in traffic on your branches.  This program takes a look at how to conduct a branch utilization assessment, maximize your branch investment, reduce costs and enhance non-interest income.

 

Significant, irreversible trends in payments are underway.  One key change is the dramatic reduction in paper checks, especially for consumers. On-line account opening and Internet based lending capabilities are also moving to the forefront.  Businesses can choose to deposit their checks electronically rather than visiting a branch.  Many banks that have successfully deployed remote deposit have found that channel becoming the largest single source of deposits.  Now is the time to evaluate the impact on your branches of dramatic reductions in traffic associated with changes in consumer and merchant behavior.  

 

This session will take a look at how to conduct a branch utilization assessment and offer insight into strategies for maximizing the value of your branch investment, reducing costs, and even enhancing non-interest income through the introduction of new products and services via your branch channels.

 

Why Participate?

Participants will gain insight into trends impacting branch utilization and profitability, enabling them to take an in-depth look at each location – current and proposed – with an objective view of the real value.

 

Highlights

• Understand Changes in Branch Usage
• Review Branch Activity and Procedures with an eye toward Reducing Costs
• Evaluate Current and Prospective Locations
• Identify New Products and Services for Branch Delivery
• Leverage New Technology to Reduce Operating Costs

 

Audience

Executive Management, Retail and Branch Management, Marketing Officers, and others who are involved with the oversight and management of the current, and future, branch structure.

 

To register, click on the link below

Date/Time: 9/2/2010 12:30-2:30 pm
Subject: Bank Financial Management
Format: Webinar

Government Affairs Committee Meeting

Government Affairs Committee:  determines CBA’s positions and actions on legislative, regulatory and political matters, including litigation.  Participants should have an interest in politics and be in mid- to senior-level management.  Utilizes Legislative Review Subcommittee, Regulatory Review Subcommittee, PAC, and other task forces as necessary

If you are interested in joining this committe, please contact Lexie at .(JavaScript must be enabled to view this email address)

Date/Time: 9/1/2010 2:00 - 3:00 pm
Subject: CBA Special Events
Format: Teleconference

Auditing for Internal Fraud

Although external fraud is widespread in the banking industry, internal fraud from employees and insiders is also a major concern. This seminar provides internal auditors with a variety of methods for detecting and preventing internal fraud.

 

Companies with 100 or fewer employees are the most vulnerable to internal fraud.  The medial loss per fraud incident is $200,000.  Even though banking is a highly regulated and audited industry, banks are not exempt.

 

Fraud usually results from a combination of risk factors:

• Opportunity - increased when security over assets is lessened
• Pressure - increased by job-related or personal issues
• Attitude - affected by the tone set by top management or the pervasive culture of the organization

 

However, employees are not tempted if situations are well controlled.  This seminar has been developed to provide bank internal auditors with a variety of methods for detecting and preventing internal fraud.

 

Highlights

• What is the auditor’s role in detecting internal fraud?
  • Planning
  • Auditing
  • Reporting
• How to protect against internal fraud?
  • Common weaknesses
  • Think like a crook
  • Typical schemes
• How to detect internal fraud?
  • Auditing assets
  • Auditing liabilities
  • Auditing income & expenses
  • Auditing off balance sheet items

 

Audience

Internal auditors and bank audit committee members. 

 

CE Applied: 2.5 hrs. CRCM/CFSSP w/the Institute of Certified Bankers

CE Awarded: 2 hrs. w/the Texas State Board of Public Accountancy

 

Presenter

Mark Harren, CPA, is a partner in the Financial Institution Services division of Pattillo, Brown & Hill, L.L.P.  He has over 31 years experience in banking and financial services as a credit analyst, loan officer and supervisor of staff, including 4 years as a partner and manager with PH&B.  Mark has 13 years experience in banking and thrift institutions, 11 years in asset servicing for a financial services company and 8 years in public accounting.   He has conducted internal and compliance training for state and national banks.  He is also a core faculty member, facilitator and developer of the Texas Bankers Association Internal Audit School.

 

To register, click on the link below

Date/Time: 8/26/2010 12:30-2:30 pm
Subject: Compliance
Format: Webinar

Social Networking - When the Socializing Ends and Compliance Issues Begin

There are a lot of presentations focused on the marketing benefits, but there are significant risks and compliance issues that aren't being discussed. Join us as we explore some of the potential risks and compliance issues associated with the social media craze.

 

More and More employees are Tweeting or using their Facebook page to keep in contact with friends and business associates.  Businesses also are discovering social media as a marketing tool and a useful means for maintaining customer contacts.  But along with the benefits, there are serious dangers lurking.  Fraudsters, hackers and identity thieves also have discovered the benefits of this media. 

There are a lot of presentations focused on the marketing benefits of social networks, but there are significant risks and compliance issues that aren't being discussed.  

 

Whether or not your institution has established a social network presence or not, chances are your employees and customers are tweeting or are on Facebook, so join us for this presentation as we explore some of the potential risks and compliance issues associated with the social media craze.

 

Highlights

• Taking a look at social networks
• Identifying the potential benefits and risks
• Controlling employee usage
• Protecting your bank and its customers from attacks
• Ensuring that employees don't create liability
• Risk mitigation strategies

 

Audience

Senior management, compliance officers, risk management officers, internal auditors, marketing, and HR.

 

CE Applied: 2.5 hrs. CRCM/CFSSP w/the Institute of Certified Bankers

CE Awarded: 2 hrs. w/the Texas State Board of Public Accountancy

 

Presenter

Susan Orr, CISA, CISM, CRP, is an industry expert with vast regulatory, risk management, and security knowledge. During her 14-years as bank examiner, Susan held numerous lead positions including Regional IT Examination Specialist, Special Assistant to the Regional Director, and Special Assistant to the Vice Chairman of the FDIC. Susan was lead instructor for the FDIC's technology school. She currently consults for security providers and performs IT security/regulatory reviews for financial institutions.

 

To register, click on the link below

Date/Time: 8/23/2010 12:30-2:30 pm
Subject: General Banking
Format: Webinar

Understanding Loan Documents

Have you ever read your bank’s promissory note, security agreements or mortgage/deed of trust? Most bankers would have to admit the answer is: NO. This new series was developed by a banker who has been teaching loan documentation nationwide for 32 years. Taught at a basic level (for bankers, not lawyers), the instructor will lead participants through all sections of the various required loan documents. The purpose is to create a deeper understanding of why certain documents are required plus the significance of various sections and verbose language (often referred to as “boilerplate”). A working knowledge, with a focus on the risk management aspects of each document, is the goal. Being able to explain document content will add much to customer relationships.

 

Highlights

Part 1 - Loan Documents, August 17, 1:30-3:30 CT

• Promissory Note: The note is enforceable against the borrower!  Review of each section for content, purpose, rights of all parties and scope  of language.
• Security Agreement: The security agreement is enforceable against collateral. Review of each section for content, purpose, rights of all parties, representations and warrantees, plus enforceability.
• UCC Instructions (on back of form) contain important information on how to correctly prepare the critically important form.  Correct or exact names, organization types and numbers and collateral description language are key issues.
• Guarantees: The most one-sided document in banking.  A guarantor gives up many rights and grants the bank many rights.  Bankers need to understand the details of what the guarantor is agreeing to.

 

Part 2 - Real Estate Loan Documents, August 19, 1:30-3:30 CT

• Promissory Note: The note is enforceable against the borrower!  Review of each section for content, purpose, rights of all parties and scope of language.
• Mortgage and Deed of Trust: The mortgage or deed of trust is enforceable against the real estate taken as collateral.  Review of each section for content, purpose, rights of all parties, representations and warrantees, plus enforceability.
• Title Commitments and Policies protect the lender by assuring an acceptable lien position. Knowing what to expect and what to look  for is essential to underwriting and closing real estate loans.
• UCC Form Instructions (on back of form) contain important information on how to correctly prepare the critically important form.  Correct or exact names, organization types and numbers and collateral description language are key issues.
• Guarantees: The most one-sided document in banking.  A guarantor gives up many rights and grants the bank many rights.  Bankers need to understand the details of what the guarantor is agreeing to.

 

Audience

Lenders, loan assistants, loan operations personnel, credit analysts and personnel involved in loan review, internal audit and compliance.

 

CE Applied: 2.5 hrs. ea. CLBB/CPB/CRCM  with the Institute of Certified Bankers

CE Awarded: 2 hrs. ea. with the Texas State Board of Public Accountancy

 

Speaker

Bob Ullom is a nationally known banking educator who has been teaching more than 10,000 bankers annually nationwide for 21 years. Bob has served as president of two fast-growing, profitable start-up banks and brings 40 years of CPA and banking experience to this important program.

 

To register, click on the link below

Date/Time: 8/7/2010-8/19/2010
Subject: Lending
Format: Webinar

Principles of Banking

AUDIENCE: Personnel new to banking, at any level.

This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the foundation for all AIB training.

After successfully completing this course, you will be able to:

• Discuss the relationship banks have with their customers and their communities

• Describe the creation of the Federal Reserve System and its role as agent and bank regulator

• Discuss various deposit instruments and regulations

• Define and describe negotiable instruments

• Explain how banks post checks to accounts

• Discuss bank lending and identify basic loan categories

• Explain the objectives of funds management, including asset/liability management and bank investments

• Describe non-deposit services such as trust, investments and insurance

• Discuss bank security measures

TEXT: Principles of Banking 9th edition, 2007, ABA

Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online

Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online

Date/Time: 8/16/10-12/12/10
Subject: None
Format: Webinar

ABA Online Review Course for the CRCM Exam without Text

AUDIENCE: This course is designed for Compliance Managers, and specifically for those compliance professionals preparing for the Certified Regulatory Compliance Manager (CRCM) Exam.

The Certified Regulatory Compliance Manager (CRCM) is applicable to financial services professionals whose primary function and expertise focus on the application, implementation and maintenance of relevant federal and state regulatory requirements as they relate to a financial services organization’s business.

After successfully completing this course, you should be familiar with all of the federal laws and regulations in the following areas:

• Deposit

• Lending

• Information Reporting

• Bank Operations

• Safety and Soundness

• Social Responsibility

• Setting Up a Compliance Program

TEXT: Reference Guide to Regulatory Compliance

Recommended Instructional Hours: 8 Weeks Delivery Methods Available: Online

Recommended AIB Credits: 1

Date/Time: 8/16/10-10/12/10
Subject: None
Format: Webinar

ABA Online Review Course for the CRCM Exam with Text

AUDIENCE: This course is designed for Compliance Managers, and specifically for those compliance professionals preparing for the Certified Regulatory Compliance Manager (CRCM) Exam.

The Certified Regulatory Compliance Manager (CRCM) is applicable to financial services professionals whose primary function and expertise focus on the application, implementation and maintenance of relevant federal and state regulatory requirements as they relate to a financial services organization’s business.

After successfully completing this course, you should be familiar with all of the federal laws and regulations in the following areas:

• Deposit

• Lending

• Information Reporting

• Bank Operations

• Safety and Soundness

• Social Responsibility

• Setting Up a Compliance Program

TEXT: Reference Guide to Regulatory Compliance

Recommended Instructional Hours: 8 Weeks Delivery Methods Available: Online

Recommended AIB Credits: 1

Date/Time: 8/16/10-10/12/10
Subject: None
Format: Webinar

Senior Management Seminar

This three-day executive program- widely considered the best of its kind in the industry- addresses today's competitive environemnt with a cirriculum that is as current as teh challenges you face every day.  Targeted to senior management officers, this program focuses on strategies to drive bottom-line performance.  An additional two-day bonus option is also available for in-depth exploration of financial management topics.

Location: Madison, WI
Date/Time: 8/15/2010-8/20/2010
Subject: Leadership & Management
Format: Live, In-Person

Managing a Successful Branch Webinar

Learn how to successfully manage the “real world” challenges and opportunities that face today’s branch manager.  This webinar provides you with the knowhow, confidence and techniques to keep your team members’ productivity and morale up to par.  You will discover many new ways to break through barriers and resistance in order to improve overall branch results.

 

Part 1 - August 11, 2010, 1:30-3:30 pm CT

• Know your market - how to compete effectively
• Building a business plan for your branch
  • Grow deposits
  • Exceed expectations for your branch
  • Retain existing customers
  • Hustle in new deposits
  • Improve cross selling
  • Reduce single account households
  • Increase loans
• Branch "Best Practices"

 

Part 2 - August 18, 2010, 1:30-3:30 pm CT

• Mastering the juggling act - maximizing your time
• How to be a goal getter!  
• Know, meet and exceed what is expected of you
• Communicate what is expected of others
• Recruit and develop a winning team
• Managing the difficult employee symptoms
  • Negative attitudes and indifference        
  • Low productivity
  • Poor people skills
  • Complaining, whining and gossip
• Retain your outstanding employees
• Delegate and develop your staff
• Build a more positive work environment
• More "Best Practices"

 

What You Will Learn

• Your responsibilities - sales goals, service delivery, efficiencies and on-target growth
• Scheduling and staffing today’s branch
• How to build a more positive work environment
• How to confront the tough stuff
• Coaching skills for outstanding job performance

Key Benefits

• Learn better ways to manage your day, week and month
• Improve sales and service through effective coaching
• Boost employee productivity, loyalty and morale
• Reduce stress and raise self esteem in yourself and others
• Protect yourself from the negative attitudes of others
• Enhance communication, listening and questioning skills
• Learn and teach others how to focus on tasks that matter

 

Speaker

Honey Shelton Reed brings the best of both worlds to her speaking engagements. She has over 25 years experience as a trainer and quality improvement consultant for banks and banking associations. Recently she was EVP for an independent bank where responsibilities included managing the retail division, marketing, training and deposit growth. Nationally recognized as an outstanding speaker, over a half million bankers have participated in Honey’s programs. Her knowledge, enthusiasm, and compelling personality have left a lasting mark on InterAction Training, the firm she founded in 1983.     

 

Audience

Branch Managers, Assistant Managers, Branch Manager Candidates. Anyone responsible for the direction and development of a retail branch.

To register, click on link below

Date/Time: 8/11/2010-8/18/2010
Subject: Leadership & Management
Format: Webinar

Analyzing Financial Statements

Recommended Prerequisite: Financial Accounting

AUDIENCE: Commercial loan officers, credit analysts and trainees who have a basic knowledge of accounting principles and practices, and a familiarity with the commercial lending process. This AIB course provides the skills needed to effectively assess a borrower’s ability to repay loans. It builds core competencies through instruction and application based on actual small business lending cases.

After successfully completing this course, you will be able to:

• Relate how a company’s type of business, legal structure, size, and management strategies affect the way a lender conducts

financial analysis

• Analyze income statements, balance sheets, and pro forma statements

• Calculate key financial ratios and use them to compare a company’s performance to the company’s industry standards

• Determine when a funds flow statement is required

• Construct and analyze long-run, multiple-year forecasts of income statements and balance sheets

• Construct and interpret a cash budget

TEXT: Analyzing Financial Statements, 2007, ABA

Recommended Instructional Hours: 30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online

Recommended AIB Credits: 2-3 Live, 3 Correspondence & Online

Date/Time: 8/9/10-12/5/10
Subject: None
Format: Webinar

Fair Debt Collection Practices Act

Failure to comply can result in civil liability including actual damages, additional damages, court costs and attorney fees. This program explains the basic requirements of the FDCPA.

 

Since 1977 the Fair Debt Collection Practices Act (FDCPA) has guided financial institution efforts to collect debts. The FDCPA applies to debt collectors. A debt collector is someone who regularly collects debts owed to others. A bank must comply with the FDCPA when collecting debts owed to others, not when collecting its own debts. However the collection rules in the FDCPA provide a reasonable approach for a bank collecting its own debt.

 

Why Participate?

Failure to comply with the requirements of the FDCPA can result in civil liability including actual damages, additional damages, court costs and attorney fees. The Federal Trade commission also has enforcement powers.

 

Highlights

This two-hour program explains the basic requirements of the FDCPA, including:

• Coverage;
• Acquisition of location information;
• Communication in connection with debt collection;
• Harassment or abuse;
• False or misleading representations;
• Unfair practices;
• Validation of debts;
• Legal actions by debt collectors; and
• Furnishing certain deceptive forms.

 

Presenter

Jack Holzknecht, a principal with Pegasus Educational Services, LLC, is an experienced consultant who has provided training to thousands of bankers and examiners for twenty-nine years. He has the ability to identify the key compliance issues from each regulation.  Jack’s career began as a federal bank examiner.  He also headed the form and software division of a regional consulting company and spent 7 years in charge of their education division.  He also developed and delivered training for the FDIC and OTS.

 

Audience

Debt collectors, compliance officers, auditors, and lending personnel whose duties involve the collection of debt.

To register, click on link below

Date/Time: 8/9/2010 12:30-2:30 pm
Subject: General Banking
Format: Webinar

Commercial Lending

AUDIENCE: New commercial lending officers and bank employees supporting commercial loan operations. Customer Service Representatives and other branch personnel who have direct contact with small business owners and managers.

This AIB course provides the knowledge and skills required to identify the credit needs of various types of small business customers and to sell a “total banking” relationship. It will also prepare you to assess the customer’s credit worthiness by examining income statements and balance sheets. The course covers both the technical side of small business lending and the interpersonal skills required to be a successful loan officer. It covers the total lending process from loan interviewing and credit investigation to problem loan resolution and loan monitoring.

After successfully completing this course, you will be able to:

• Explain key elements of a loan interview and credit investigation

• Describe the “cash-flow cycle” of various types of business

• Explain the relationship between loan structuring and types of business

• Complete basic income statement and balance sheet analysis

• Identify the common warning signs of problem loans

TEXT: Commercial Lending, 2007, ABA

Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online

Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online

Date/Time: 8/9/10-12/5/10
Subject: None
Format: Webinar

Human Resource Management School

Designed specifically for financial services HR professionals to help tie together important banking and HR issues, this respected one-week School will expand your knowledge of the business of banking, human resource management and employee performance.  Plus, you will return to your organization with a netword of colleagues with whom to interact and exchange ideas for years to come.

Location: Madison, WI
Date/Time: 8/8/2010-8/13/2010
Subject: Leadership & Management
Format: Live, In-Person

Graduate School of Banking

This 25-month leadership development program provides the tools you need to be sucessful in your banking career.  Explire a broad range of electives, learn from talented faculty and participate in hands-on learning projects that challenge you to put key concepts to work in the real world.  At GSB, you'll develop the critical thinking skills and leadership talents to manage change and motivate people by drawing on a clear understanding of all areas of financial services management.

Date/Time: 8/8/2010-8/10/2010
Subject: Bank Financial Management
Format: Live, In-Person

CBA Fraud and Robbery Prevention Summit

FREE Half day workshop and networking opportunity for bankers and law enforcement

 

• There were 208 Colorado robberies in 2009.  There are already 70+ in 2010!
• Colorado has the 2^nd Most Robberies per Capita in the US.

 

SCHEDULE

12:30-1:00 pm      Registration

1:00-1:05 pm        Opening Remarks

1:05-2:05 pm        Fraud Prevention

2:20-2:40 pm        Robbery Prevention

2:55-3:55 pm        Legislative Update

3:55-4:00 pm        Closing Remarks

 

SPEAKERS

Fraud Prevention Speakers:

Robert Brown, Colorado Bureau of Investigation

Hazel Heckers, Colorado Bureau of Investigation

John Zamora, Colorado Bureau of Investigation

Robbery Prevention Speaker:

Supervisory Special Agent, Phil Niedringhaus, FBI Rocky Mountain Safe Streets Task Force

Legislative Update Speaker:

Jenifer Waller, Colorado Bankers Association

 

For more information, contact Colorado Bankers Association  at 303-825-1575 or .(JavaScript must be enabled to view this email address)

 

 

 

 

Location: Grand Junction, Two Rivers Convention Center • Adobe and Escalante Rooms 159 Main Street • Grand Junction, CO 81501-2212
Date/Time: 8/5/2010 1:00-4:00 pm
Subject: CBA Special Events
Format: Live, In-Person

register and pay now: $0.00

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Register and Pay Later

Regulation Z - Credit Card Act New Phase III Rules

The Federal Reserve recently approved rules implementing the final phase of the Credit CARD Act. This program contains core knowledge all banks need to comply with new requirements that apply to open-end accounts by the August 22, 2010 effective date.

 

The Federal Reserve Board recently approved rules implementing the third and final phase of the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act). The Credit CARD Act primarily amends the Truth in Lending Act (TILA) and establishes a number of new substantive and disclosure requirements to establish fair and transparent practices pertaining to open-end consumer credit plans. This final phase of the Act protects users from unreasonable late payment and other penalty fees and requires issuers to reconsider interest rate increases imposed since the beginning of 2009. It also makes a few revisions to existing rules for account opening disclosures, periodic statements and notices of change in terms. The 252 pages of new provisions are effective on August 22, 2010. Most of the new provisions are effective on that date. The effective date for a few provisions is delayed until December 2010.

 

Highlights

Upon completion participants will understand the provisions that:

• Prohibit credit card issuers from charging a penalty fee of more than $25 for paying late or otherwise violating the account's terms unless the consumer has engaged in repeated violations or the issuer can show that a higher fee represents a reasonable proportion of the costs its incurs as a result of violations;
• Prohibit issuers from charging penalty fees that exceed the dollar amount associated with the consumer's violation. Issuers will no longer be permitted to charge a $39 fee when a consumer is late making a $20 minimum payment - the fee cannot exceed $20;
• Ban "inactivity" fees, such as fees based on the consumer's failure to use the account to make new purchases;
• Prevent issuers from charging multiple penalty fees based on a single late payment or other violation of the account terms;
• Require issuers that have increased rates since January 1, 2009 to evaluate whether the reasons for the increase have changed and, if appropriate, to reduce the rate; and
• Revise the rules for account opening disclosures, periodic statements and notices of change in terms.

 

Presenter

Jack Holzknecht, a principal with Pegasus Educational Services, LLC, is an experienced consultant who has provided training to thousands of bankers and examiners for twenty-nine years. He has the ability to identify the key compliance issues from each regulation.  Jack’s career began as a federal bank examiner.  He also headed the form and software division of a regional consulting company and spent 7 years in charge of their education division.  He also developed and delivered training for the FDIC and OTS.

 

Audience

Operations officers, compliance officers, loan officers, auditors and others who must comply with the new rules.  

To register, click on link below

Date/Time: 8/5/2010 12:30-2:30 pm
Subject: Compliance
Format: Webinar

Embezzlement for Investigators - Conducting Financial Crime Investigations

By learning the resources and techniques available, any investigator may use this model to design and execute a successful financial crime investigation.

 

Many financial crimes are also emotional crimes, and investigators must be particularly careful that the investigation does not raise more negative issues than it resolves. Conducting an investigation involving people's character, finances and relationships will likely change the lives of all participants. Embezzlement committed against a family member or business owner is among the most emotionally devastating crimes for victims. And because so many financial crimes are committed by financial professionals, investigators may have to rely on external sources including law enforcement, the victim's accountants and legal counsel.

 

There are two simple goals for the investigator: to find the truth and determine responsibility for results. Even an inexperienced embezzler will do his/her best to make this goal unattainable. Although this presentation applies to any type of financial crime, embezzlement is given special attention. The seminar focuses upon six key functions every investigator must consider:

• Identifying and interviewing victims, witnesses, informants and suspects
• Gathering and cataloging appropriate evidence
• Documenting facts and opinions
• Coordinating law enforcement and private resources to ensure speedy apprehension
• Working with legal counsel to prosecute offenders civilly and criminally
• Recovering funds and investigative costs

 

Highlights

• The jury's perspective
• The most common embezzlement schemes
• Commercial  and personal crimes
• The necessary evidence
• The investigator's allies
• Finding more clues
• The embezzlement investigation components and tasks

This presentation will to help you:

• Determine duties and responsibilities -- legal, moral and ethical
• Comply with current regulations and emerging practices
• Develop a policy and procedure that makes the best use of resources
• Locate sources of information, including physical evidence and testimony
• Prepare reports that will likely be examined in civil or criminal actions

 

Audience

Security officers, private/contract investigators, auditors and human resource managers

CE Awarded:  2 hours with the Texas State Board of Public Accountancy

CE Applied:  2.5 hours CRCM/CFSSP with the ICB

 

Speaker

Dana Turner is a security practitioner based in Pipe Creek, Texas. He has served as a law enforcement officer in several capacities -- including the investigation of business and banking crimes -- and he is celebrating his 35th year of crime. Dana has delivered thousands of educational programs offered by banking associations, state and federal examining and law enforcement agencies and security, audit and human resources organizations. 

To register, click on the link below

Date/Time: 8/4/2010 12:30-2:30 pm
Subject: Compliance
Format: Webinar

Government Affairs Committee Meeting

Government Affairs Committee:  determines CBA’s positions and actions on legislative, regulatory and political matters, including litigation.  Participants should have an interest in politics and be in mid- to senior-level management.  Utilizes Legislative Review Subcommittee, Regulatory Review Subcommittee, PAC, and other task forces as necessary

If you are interested in joining this committe, please contact Lexie at .(JavaScript must be enabled to view this email address)

Date/Time: 8/4/2010 12:00 - 2:00 pm
Subject: CBA Special Events
Format: Live, In-Person

Introduction to ACH

Part 1 - August 3, 2010, 1:30-3:30 p.m. CT

The ABCs of ACH

The ABCs of ACH is designed as an introduction to ACH processing. Attend this webinar and gain a broad understanding of the Automated Clearing House Network and the processes the network follows.  Session highlights include:

• The History of the ACH Network
• ACH Operating Rules and Guidelines and the ACH Network Participants
• The Flow of ACH Debits and Credits
• ACH Risk Controls
• Common Uses for ACH and Future Trends
• The Proper Handling of Exception Entries and the National System of Fines.

 

 

Part 2 - August 13, 2010, 1:30-3:30 p.m. CT

ACH Operations: From ARC to XCK

This course is designed as an introduction for the novice payments professional into the world of ACH or as a refresher for the veteran payments professional.  Attendees will gain an in-depth understanding of the many facets of ACH operations.  Session highlights include:

• Responsibilities Related to Receiving and Originating ACH Entries
• ACH Operating Rules and Guidelines
• ACH Processing Flows
• Exception Processing Including:
  • Customer Claims on Unauthorized Debits
  • Stop Payments
  • Revocation Issues
• ACH Audit Requirements
• The National System of Fines

 

Audience

Back office operations, compliance officers, auditors, branch managers, Treasury/cash management professionals, frontline staff and customer service representatives.

 

CE Applied: 2.5 hrs/session CRCM/CFSSP w/the Institute of Certified Bankers

CE Awarded: 2 hrs/session w/the Texas State Board of Public Accountancy and 2 hrs/session AAP credit

 

Presenter

Laurie Appelbaum, AAP is the Payments Association Specialist for EPN Association Services.  She is responsible for directing, implementing and executing the EPN communications plan as well as core product training and the development of new association services.  Laurie has over 9 years experience in the payments arena and has spoken at several industry specific conferences.  She is a part of the 2010 NACHA Payments Conference Planning Committee and served on The Payments Institute Board of Directors for NACHA's 2009 TPI.  Laurie also serves as Chairperson of the Regional Payments Association Marketing Committee. She became an accredited ACH Professional in 2002 while Director of Education Services at SWACHA in Dallas. 

To register, click on link below

Date/Time: 8/3/2010-8/13/2010
Subject: General Banking
Format: Webinar

General Accounting

AUDIENCE: Individuals with little or no accounting background.

This AIB course provides a complete foundation in basic accounting procedures in a practical, up-to-date, and easy-to-comprehend manner. The goal is to provide students with a strong basic knowledge of accounting terms, concepts, and procedures. Emphasis is placed on developing a firm foundation of fundamental procedures with appropriate repetition of content through the use of examples and color-coded illustrations.

After successfully completing this course, you will be able to:

• Understand the basic accounting cycle and define the basic elements used such as asset, liability, owner’s equity, revenue, and expense accounts

• List the steps in the accounting cycle and prepare a post-closing trial balance and interim statements

• Understand and perform functions relative to bank accounts and cash funds

• Understand the implications of dealing with employee earnings and deductions, and with employee taxes, payments, and reports

• Prepare a classified income statement and balance sheet, compute working capital and current ratio, and journalize closing entries for a business

TEXT: College Accounting, 9th edition, 2008, Houghton Mifflin Company

Recommended Instructional Hours: 45 Live, 16 Weeks Online Delivery Methods Available: Live, Online

Recommended AIB Credit: 3

Date/Time: 8/2/10-12/5/10
Subject: None
Format: Webinar

2010 Key Challenges for Bank Operations & Technology

Part 1 - August 2, 2010, 1:30-3:30 p.m. CT

New Challenges in Contingency Planning

Regulatory “hot buttons” change from year to year, but some issues are always of concern, Contingency Planning and Disaster Recovery among them. In addition to being a regulatory requirement, contingency planning just makes good business sense. Developing a plan that would really work and keeping it current is always a challenge. Technological advances and new threats to your operations, both large and small, continue to increase the difficulty of maintaining a usable plan. This session offers new ideas to update and enhance your plan. Highlights include:

• Prevention Techniques,
• Regional vs. Local Disasters,
• Vendor Management Considerations,
• Testing Suggestions, and
• New Options for Real Time Storage.
•  

This seminar will provide you with solid, actionable ideas that will meet with regulatory approval and actually increase the chances of your plan working in the event that you suffer a disaster.

 

Part 2 - August 30, 2010, 1:30-3:30 p.m. CT

Managing Your Core Processor in Challenging Times

In economic terms, today's core banking software vendor industry is becoming a classical oligopoly - an industry where a few players control the majority of the business. Firms in this type of market behave differently, and your core vendors are no exception. Merger and consolidation among vendors presents new challenges to bankers in managing their relationships with core vendors. Highlights include:

• The potential for your particular software solution to be discontinued,
• Contract terms and conditions,
• Use of ancillary and third party solutions,
• General vendor management guidelines, and
• Opportunities for improving pricing and service availability.
•  

Participants will leave with a better understanding of the forces driving the core banking software industry and with specific information on managing their own vendor relationships more effectively.

 

Audience

Senior management, IT auditors, risk managers, compliance officers, IT and operations staff.

CE Applied: 2.5 hrs/session CRCM/CFSSP w/the Institute of Certified Bankers

CE Awarded: 2 hrs/session w/the Texas State Board of Public Accountancy

 

Presenter

Trent Fleming was a pioneer in the introduction of check imaging to the community bank market, working  with hundreds of banks in the selection, implementation and management of image P.O.D, archive, and statement systems. Key to his success is Fleming's ability to educate employees and customers about the benefits of products and services. He has consulted with banks on matters as diverse as strategic planning, business continuity, and operational efficiency.  His background includes correspondent banking, compliance, and experience as a sales operations executive with banking software vendors.

To register, click on link below

Date/Time: 8/2/2010-8/30/2010
Subject: General Banking
Format: Webinar

Understanding Your Construction Borrower

AUDIENCE: Entry-level commercial lenders and small business bankers serving clients with construction needs, managers and loan offices of construction lending groups, and other bank personnel, such as analysts and loan administrators, involved with construction loans.

This AIB course provides an overview of the construction process that will help you better evaluate and serve your construction borrower. It examines the overall construction process and the documents typically required for loan approval. Each document is reviewed for the financial risk impact on the institution. Also included is an overview of project types and the idiosyncrasies pertaining to them. Specific topics include construction document reviews, construction budgets, soil reports, municipal approvals, loan administration and project closing. Discussions include the loan closing, payment disbursements and title work.

After successfully completing this course, you will be able to:

• Understand the types of construction project management

• Review a construction budget

• Describe the purpose of a soils report

• Understand the impact of municipal approvals

• Discuss the risks within budgets, soils reports, and municipal approvals

• Discuss the construction loan administration process

• Identify potential items of concern for certain project types

• Be familiar with general construction terms and concepts

TEXT: All reading materials are provided online.

Recommended Instructional Hours: 10 Weeks Delivery Methods Available: Online

Recommended AIB Credits: 2

Date/Time: 8/2/10-10/12/10
Subject: None
Format: Webinar

Problem Loan Workouts

AUDIENCE: Entry to mid-level commercial lenders, business bankers, small business lenders, credit analysts, loan review personnel and other bank personnel interested in the subject of problem loan management and resolution.

This AIB course will explore the four major components of problem loan management. Problem Loan Detection will explore how problems loans can be avoided and how loans can be managed to make early detection possible. Problem Loan Situation Evaluation will consider what must be done to confirm the bank’s position with the borrower in preparation for negotiation with the borrower. Problem Loan Negotiation will cover the negotiation process in determining the best course of action to resolve problem loans. Problem Loan Resolution will consider alternatives of resolution and how to proceed with options for workout or liquidation.

After successfully completing this course, you will be able to:

• Understand the element of and importance of early prevention and detection of problem loans

• Understand the process of problem loan situation evaluation to determine the bank’s position with the borrower

• Understand the negotiation process to determine the best course of action to pursue with the borrower to resolve the problem

• Understand the process of problem resolution and options for workout or liquidation of the loan

TEXT: All reading materials are provided online.

Recommended Instructional Hours: 6 Weeks Delivery Methods Available: Online

Recommended AIB Credits: 1

Date/Time: 8/2/10-9/12/10
Subject: None
Format: Webinar

Higher Priced Mortgage Loans - One Year Review & Update

The rules are complex and detailed, and they affect all lenders. This program provides a review of all the rules for higher-priced mortgage loans and how they impact your institution.

 

On July 14, 2008 the Federal Reserve Board published final revisions to Regulation Z, which, for the most part, took effect on October 1, 2009. The rules for higher-priced mortgage loans impact loans secured by the borrower's principal dwelling that have a rate that exceeds the Average Prime Offer Rate by more than the prescribed tolerance. The rules are complex and detailed.  This program explains all of the rules that apply to higher-priced mortgage loans.

 

Why Participate?

The new Regulation Z rules were part of the Federal Reserve Board's response to the sub-prime mortgage lending crisis. But make no mistake; the new rules impact all lenders, not just those who engage in sub-prime lending practices. The new rules were designed to prevent certain abusive practices related to loan origination.

 

This program explains the rules for higher-priced mortgage loans and how they impact your institution. Program participants receive a detailed manual that provides a thorough explanation of the new rules.

 

Highlights

• How to determine which transactions are covered and which are exempt from coverage of the law and regulation:
  • At origination; and
  • At the time of a refinance or modification of an existing loan;
• Issues related to structuring loans to avoid coverage;
• Verifying the borrower's ability to repay the indebtedness:
  • Calculation and verification of the borrower's ability to repay; and
  • Special treatment for balloon loans;
• The restrictions on prepayment penalties; and
• The rules related to escrows for taxes and insurance.

 

Presenter

Jack Holzknecht, a principal with Pegasus Educational Services, LLC, is an experienced consultant who has provided training to thousands of bankers and examiners for twenty-nine years. He has the ability to identify the key compliance issues from each regulation.  Jack’s career began as a federal bank examiner.  He also headed the form and software division of a regional consulting company and spent 7 years in charge of their education division.  He also developed and delivered training for the FDIC and OTS.

 

Audience

Compliance officers, mortgage loan officers, loan originators and others involved in mortgage lending.

To register, click on link below

Date/Time: 7/29/2010 12:30-2:30 pm
Subject: Lending
Format:

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