MBA Calendar

Established in 1994, The Southeastern School of Advanced Commercial Lending has an ideal curriculum that meets the needs of today’s commercial lender. It is an intensive program focusing on advanced cash flow analysis, advanced loan structure, pricing for profitability, commercial real estate lending,and new approaches to managing problem loans and portfolio credit risk.  The program, with housing optional, provides instruction applicable to both community and holding company bankers
This school’s curriculum will benefit commercial lenders, relationship managers, portfolio managers, senior credit managers, and others who currently are responsible for or are interested in profitably growing the bank’s loan portfolio and better managing portfolio credit risk.
The Southeastern School of Advanced Commercial Lending is a part of the highly respected group of Southeastern Schools sponsored by the TennesseeBankers Association in conjunction with the Alabama, Georgia, Louisiana, and Mississippi bankers associations.

 To apply,  click here.

Tax returns can be a significant source of helpful information once the format, content and purpose of the many forms and schedules are understood.  This fast-paced seminar will help both consumer and commercial lenders better understand and use personal and business tax return information to make better, more confident loan decisions.  This program will improve your ability to evaluate cash flow and more fully understand the financial strength of an individual or company.  The information presented will also help you improve customer service, protect the bank and enhance career development.

 To register online, click here.

To register, click here.

Day 1: Personal Statements and Tax Returns
One of the more challenging aspects of lending is analyzing personal financial statements and tax returns.  Assessing the borrower’s ability to convert assets to cash to pay short-term debt or honor a guaranty often requires significant adjustments to the borrower’s reported net worth.  Adjusted gross income on Form 1040 bears no relationship at all to cash available to pay personal living expenses and debt service.  To determine cash available, the lender must construct a personal cash flow using information contained in the personal financial statement and schedules of the tax return.  Lenders recognize that the business and personal financial affairs of small business borrowers are closely intertwined necessitating the integration of business and personal cash flow to determine global cash flow. 

Day 2: Corporate Statements and Tax Returns Small business lenders often rely on tax returns when analyzing a borrower.  Tax returns can provide significant information to assess the small business borrower’s credit worthiness and repayment capacity if the lender knows what information to request and analyze. The schedules such as Schedules K, K-1, M-1 and M-2 can be confusing.  Further complicating the analysis of tax returns of borrowers organized as S Corporations and LLCs, many items of income and expense flow through to the shareholders, partners and members personal tax return. This workshop will utilize case studies to demonstrate how to interpret business tax returns and utilize the information in analyzing a new loan request or monitoring an ongoing lending relationship.

Characteristics, Requirements, Creation, Advantages and Disadvantages of Corporations, LLCs, Partnerships and Other Entities for Lenders

Essential legal principles underlying creation and operation of borrower entities are significant issues for lenders concerned with creating effective and enforceable loan documents.  It is estimated that 30% of UCC filings do not have the correct name of the entity or identify the correct type of entity.

This new webinar presents a survey of requirements, characteristics, advantages, disadvantages plus creation and documentation issues for the most frequently used type of business entities.  

Highlights
·  Corporations
·  Subchapter S Corporations
·  Partnerships-General and Limited
·  Limited Liability Companies
·  Professional Corporations
·  Trusts
·  Associations

Audience: The program has been created for lenders, relationship managers, loan assistants, credit analysts, loan reviewers, loan administration personnel and loan operations personnel who are involved in documenting loans that comply with both credit and lien requirements.

To register online, click here.

The regulatory agencies are increasing already heightened efforts to ferret out violations of the flood regulations. This program provides knowledge needed to avoid frequently cited violations and obtain a positive outcome in flood insurance examinations.

Following the incalculable losses from storms in recent years, the federal government is focusing much attention on flood insurance. The bank regulatory agencies are increasing already heightened efforts to ferret out violations. No other aspect of the compliance examination consistently receives such close scrutiny, and many financial institutions have paid penalties.  Most of the violations involve a basic misunderstanding of the rules of coverage and other requirements.  Common violations involve incorrect completion of the Standard Flood Hazard Determination Form, failure to require flood insurance and the failure to deliver the Notice of Special Flood Hazards.

Recently the OCC, FDIC, Federal Reserve, Farm Credit Administration, and the NCUA issued revised Interagency Questions and Answers Regarding Flood Insurance. The two final and three proposed questions and answers clarify rules relating to insurable value and force placement.

Why Participate?
Participants receive:
·  A thorough review of the law, the regulations, the interagency questions and answers, and recent revisions;
·  Information on the most common violations; and
·  Suggestions to strengthen compliance efforts.

Highlights
·  Requirements of the Flood Disaster Protection Act including:
   o   Coverage and exemptions;
   o   Documentation requirements;
   o   Form completion; and
   o   Insurance requirements.
·  Basics of flood maps, LOMAs, LOMRs and flood policy provisions.
·  Special situations: Condominiums, coops and timeshares; construction loans; escrow rules; and force placement.

To register online, click here.

The Southeastern School of Consumer Credit is an intermediate-level, one-week school focusing on the major issues consumer lending managers face. The school is designed to increase knowledge of consumer lending as a retail banking function and a source of bank income. The curriculum addresses the managerial aspect of consumer lending operations, especially how the bank’s loan portfolio can increase profitability and improve competitive positions. It also emphasizes the development of both administrative and human relations skills to equip the student to manage bank assets and meet customers’ financial needs.

To apply, click here.

All U.S. depository institutions are expected to file BSA forms electronically by June 2012. However, the real change is the fact that FinCEN has introduced a new electronic CTR. The current e-filed "legacy form" CTR will be discontinued. Its replacement, the "BSA-CTR,” reflects substantive changes to the responsibility to report large currency transactions. It’s more sophisticated design breaks down aggregated transactions into individual components. It has many new data fields and a completion sensitivity that generates a need for over 130 different error codes. The BSA-CTR is also designed for use by several different industries. The BSA-CTR is not currently available for use, but instructions have been published.

To register online, click here.

Financial Analysis Toolkit Part I: Analyzing Business Strength & Performance, March 6 & 8, 2012, 1:30-3:30 CT

This webinar provides an in-depth financial statement analysis training experience. The focus is building a strong base of understanding and application of the purpose, use and interpretation of financial analysis tools, including:
The proper Role, Purpose and Focus of financial statement analysis in loan risk determination and mitigation;

Key financial concepts related to risk determination and loan decision making, including:
Financial structure
Operating cycle
Trend analysis
Financial leverage
“True” cash flows

The four key tools of financial statement analysis.  Case study tools will teach participants how to “crunch the numbers” and interpret the meaning of the data.

This is a 2-part, 4 hour program

To register online, click here.

Financial Analysis Toolkit Part I: Analyzing Business Strength & Performance, March 6 & 8, 2012, 1:30-3:30 CT

 This is Part 2 of the March 6 webinar.

 To register online, click here.

Significant changes were effective in 2011 and will be effective in 2012. This program provides a review of recent revisions, accounting changes, and regulatory guidance. It will insure that you know what has and will change and can report accurately.

To register online, click here.

MYB Exhibitor Information and Form

MYB Sponsorship Information

Registration form

Reporting of loan and credit information is important and difficult. Frequently loan accounting personnel do not attend Call Report seminars.
RC-C Loan Classification Priority
RC-K Quarterly Averages
RC-L Letters of Credit, Commitments
RC-M Insider Extensions of Credit
RC-N Past Due & Nonaccrual
RI Loan Interest & Fees
RI-B Charge Offs & Recoveries

To register online, click here.

At about the same time the last depository institution moves to e- filing in 2012, all institutions will be migrating to a new SAR. The new "BSA-SAR" is not currently available, but instructions have been published. They provide information banks need to refurbish their filing processes to accommodate the new form. Regulations that require filing have not changed nor has there been a redesign of the form for several years. Nevertheless, the "BSA-SAR" reflects changes in the categorization of suspicious activity that have a tangible effect on what a depository institution would consider as suspicious activity and how it should be reported.

To register online, click here.

Cash flow repays debt!  Without an adequate understanding of “true” cash flows, it is impossible to make sound, disciplined loan decisions.  This dynamic webinar has been developed to help lenders better understand cash flow analysis at a more useful and meaningful level.  Issues to be presented and discussed include:

The “true” nature of cash flow in a business: cash flow is NOT net income plus depreciation!

“E-B-I-T-D-A” is not cash flow, and using this erroneous tool can lead to problems

How to quickly and easily prepare and use cash flow statements

How to understand the importance of the difference between: Operating cash flows,Cash flows caused by management discretion, and financing flows.

To register online, click here.