Calendar of Events

  • CRE Appraisals: Regulations and the Review Process

    Aug 20th, 2018
    1:30pm - 3:30pm
    CRE Appraisals: Regulations and the Review Process
    PART 2 of 2


    Presented by Richard Hamm
    Monday, August 20th, 2018
    1:30 pm - 3:30 pm CT

    This page (and pricing) is for Part 2 only. If you are interested in series pricing, CLICK HERE or see below.

    This session will cover the key issues from the 2010 Interagency Appraisal and Evaluation Guidelines, tips for integrating them into your existing policies, and how CRE appraisals differ from residential reports.

    HIGHLIGHTS
    • Overview of guidelines and issues critical to CRE appraisals
      • The five minimum standards and what they really mean, as derived from the original 14 points in the Financial Institutions Reform and Recovery Act of 1989 (FIRREA) that govern how banks order and use appraisals
      • What is FIRREA? (and other regulatory guidelines still in place)
      • Yes, you can use appraisals prepared for other banks
    • Types of reviews, as suggested by the guidelines
      • Administrative/compliance review plus a sample checklist
      • Technical/internal review plus a sample checklist
      • Outside/third party review plus sample comments
      • Ideas for setting dollar limits
      • Why your bank should create an appraisal/CRE properties database
    • What about evaluations?
      • Not just for loans below the dollar thresholds
      • New (as of 2010) evaluator independence requirements
    • Appraisal review outcomes and when to request revisions
    Register here for Part 1
    Register here for Part 2
    Register here for Part 1 and Part 2
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  • Presenting Powerfully

    Aug 21st, 2018
    10:00am - Noon
    Presenting Powerfully
     

    Presented by Philip Vassallo
    Tuesday, August 21st, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • Identify the key elements of presenting powerfully
    • Create quality, audience-centered content
    • Compose visuals that focus and move the audience
    • Employ excellent platform skills
    Register here
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  • HMDA Data - Trust But Verify

    Aug 21st, 2018
    1:30pm - 3:30pm
    HMDA Data - Trust But Verify


    Presented by Heidi Wier
    Tuesday, August 21st, 2018
    1:30 pm - 3:30 pm CT
     

    COVERED TOPICS

    • What should your HMDA management system consist of and what will regulators be looking for?
    • Three lines of defense – roles and responsibilities of the business unit, compliance department and audit function regarding HMDA data accuracy.
    • How will the regulators audit your HMDA data going forward?
    • Manual and Systemic File Reviews – The Pros and Cons of each and what method is right for your situation?
    • Manual File Review – What to consider when completing a manual file review and some of the common issues.
    • Systemic Data Integrity – How can leveraging technology help increase the accuracy of your HMDA data and reduce the chances of your having to do more time-consuming and costly manual file reviews?
    • Omissions Testing – Regulators are concerned with reportable applications that are inadvertently omitted from your LAR. How can you test for these to identify issues before the regulators?
    • Red Flags Analysis – Use technology to compare LAR data to the national aggregate data to identify anomalies that may require additional follow up.
    • What does the data tell you – Using HMDA data to assist with fair lending performance assessments?
    Register here
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  • Key Ratios

    Aug 22nd, 2018
    10:00am - Noon
    Key Ratios


    Presented by Vincent DiCara
    Wednesday, August 22nd, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • How to calculate a business’ operating cycle
    • Working capital ratios
    • The Debt/equity Ratio
    • The Debt service Coverage Ratio (DSCR)
    • Loan to Value ratios and their connection to collateral coverage
    Register here
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  • Customer Service vs Customer Experience

    Aug 22nd, 2018
    1:30pm - 3:30pm
    Customer Service vs Customer Experience
     

    Presented by Janice Branch
    Wednesday, August 22nd, 2018
    1:30 pm - 3:30 pm CT

     

    COVERED TOPICS

    • Advocate for the Customer
    • Being Authentic
    • The ingredients for a WOW
    • Three benchmarks of an experience
    • Customer Expectations that Produce High Satisfaction
    • What Messages are you Sending?
    • Listen for Meaning
    • Saying the right things the right way
    Register here
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  • 2018 MBA Agriculture Conference

    Aug 23rd, 2018
    8:30am - 2:45pm
    Hilton Hotel, 1001 E. County Line Road, Jackson, Ms 39211 (601) 957-2800

    2018 MBA AGRICULTURE CONFERENCE
    Hilton Hotel
    1001 E. County Line Rd.
    Jackson, MS 39211
    601-957-2800

     

    REGISTRATION INFORMATION
    • MBA Members: $295 per registrant
    • Non Members:   $590 for registrant

    Registration fees include instruction, materials, refreshment breaks and lunch.
    Hotel reservations are NOT included in registration fees.

    DOWNLOAD A REGISTRATION FORM
    (includes hotel information)

     

     

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  • Incentives, Ethics, Account & Loan Growth

    Aug 23rd, 2018
    10:00am - Noon
    Incentives, Ethics, Account & Loan Growth
     

    Presented by John Baptista, Jr.
    Thursday, August 23rd, 2018
    10:00 am - 12:00 pm CT

     

    COVERED TOPICS

    • Ethics In Banking – Putting What Is Most Important At The Forefront
    • Motivating Employees, The Incentives– What Works and What Does Not Work
    • Incentives For Clientele - Be It Clients, Customers or Members
    • Ideas To Grow Both The Account And Loan Portfolio

    Attendees will leave with a plan of action, a plan they can put into immediate practice. They will learn the specifics and background that caused this warning to be issued by the CFPB. Finally, participants will learn concrete steps to avoid negative publicity that can occur when an organization places the wrong goal at the forefront. As a major commercial bank found out publicity of this type is not what you want.

    Note: Issues relating to compliance and legalities will not be covered nor is any legal or compliance rulings or advice being presented.
     
    Register here
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  • Call Report - Lending Schedules for Banks

    Aug 24th, 2018
    10:00am - Noon
    Call Report - Lending Schedules for Banks
     

    Presented by Ann Thomas
    Friday, August 24th, 2018
    10:00 am - 12:00 pm CT

     

    COVERED TOPICS

    • RC-C, Loan Classification
    • RC-C Memoranda
    • RC-C, Part II, Loans to Small Businesses and Small Farms
    • RC-K, Loan Quarter to Date Averages
    • RC-L, Unused Commitments, Letters of Credit, Interest Rate Locks
    • RC-M, Insider Loans
    • RC-N, Past Due and Non-accrual Loans
    • RI 1a, Interest & Fee Income on Loans
    • RI-B, Charge-Offs and Recoveries
    Register here
     
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  • Top 10 Most Common TRID Issues

    Aug 27th, 2018
    1:30pm - 3:30pm
    Top 10 Most Common TRID Issues


    Presented by Jack Holzknecht
    Monday, August 27th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • The expanded scope of TRID coverage;
    • The rules for the timing and content of revised disclosures;
    • Guidance on sharing disclosures with various parties involved in the mortgage origination process;
    • Proper disclosure of construction loans;
    • How to disclose simultaneous subordinate lien loans;
    • Accurately disclosing the Calculating Cash to Close table;
    • Tolerance requirements for charges paid to all parties;
    • Clarification on when and how to disclose a rate lock;
    • Proper disclosure of lender and seller credits;
    • Revisions to disclosures of escrow disclosure requirements;
    • Changes made by the Economic Growth, Regulatory Relief and Consumer Protection Act; and
    • So much more.
    Register here
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  • MBA Call Report Seminar

    Aug 28th, 2018
    8:30am - 4:00pm
    Embassy Suites ● 200 Township Place ● Ridgeland, MS ● 601 - 607 - 7112

    MBA Call Report Seminar

    August 28, 2018
    8:30 am - 4:00 pm

    Embassy Suites  ● 200 Township Place
    Ridgeland, MS  ● 601- 607-7112

    Seminar Highlights

    Why banks prepare the Call Report
    • Review of recent, upcoming & proposed changes
    • Report of Condition (RC) and supporting schedules
    • Report of Income (RI) and supporting schedules
    • Exercises in reinforce concepts discussed
    • How to improve both speed and accuracy in call report process
    • Hands - on experience in call report preparation
    • Common mistakes and problems

     

    Registration and Hotel information

     

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  • Advanced Cash Flow Analysis

    Aug 28th, 2018
    10:00am - Noon
    Advanced Cash Flow Analysis


    Presented by David L. Osburn
    Tuesday, August 28th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • Business (EBITDA) & Personal Cash Flow Analyses
    • Global Cash Flow: Combining the Business and Personal Cash Flows
    • Statement of Cash Flows, UCA Cash Flow, Cash Basis Cash Flow, Fixed-Charge Coverage, and Free Cash Flow
    • Cash Flow Projections and Sensitivity Analysis
    • CRE Cash Flow Analysis including Investment Models
    Register here

     
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  • ACH Exception Processing

    Aug 28th, 2018
    1:30pm - 3:30pm
    ACH Exception Processing


    Presented by Mary Kate Cole
    Tuesday, August 28th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • Ways to identify exceptions as an RDFI and ODFI and determine the best course of action
    • Understanding the timeframes for exception processing
    • Understanding of the new ACH Rules that impact exceptions
    • Best practices for limiting your liability
    • An understanding of the importance of using the correct return and NOC code

    Register here

     

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  • The ACH Audit & Risk Assessment: What You Need to Know

    Aug 29th, 2018
    10:00am - Noon
    The ACH Audit & Risk Assessment: What You Need to Know
     

    Presented by Mary Kate Cole
    Wednesday, August 29th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    Upon completion of this program you will learn:

    • The audit requirements for all ACH participants
    • Where others have been non-compliant and how not to make the same mistakes
    • What auditors should be looking for when performing the ACH audit
    • The importance of the ACH risk assessment
    • Areas that should be included in the ACH risk assessment

    Your speaker is an ACH Auditor - get all your ACH audit and risk assessment questions answered by attending this webinar.

    Register here
     
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  • Compliance Issues From The Economic Growth, Regulatory Relief and Consumer Protection Act

    Aug 29th, 2018
    1:30pm - 3:30pm
    Compliance Issues From The Economic Growth, Regulatory Relief and Consumer Protection Act
     

    Presented by Jack Holzknecht
    Wednesday, August 29th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • Provide partial relief from the expanded HMDA disclosures, which were added to Regulation C effective January 1, 2018, for small volume originators (fewer than 500 closed end/500 open-end loans for each of previous two years). Institutions with "Needs to improve" or "Substantial non-compliance" CRA ratings are not eligible for the relief;
    • Provide a TILA escrow exception for banks with under $10 billion in assets originating 1000 or fewer first lien principal dwelling loans;
    • Provide qualified mortgage status for most mortgages held in portfolio for banks with less than $10 billion in assets;
    • Eliminate the three-day TRID delay if a creditor extends a second offer of credit with a lower annual percentage rate;
    • Provide relief from appraisal requirements for smaller mortgages and for properties located in rural areas;
    • Make opening new accounts and engaging in transactions online easier by authorizing the use of scanned driver’s licenses to meet identity verification requirements;
    • Require the Social Security Administration to create a new database containing people’s names, dates of birth, and social security numbers, for use in responding to identity-verification requests as one step to combat “synthetic identity fraud;”
    • Require the Department of Veterans Affairs to establish regulations to implement the provisions designed to ensure that financial institutions that offer to refinance a veteran’s residence demonstrate there will be a “net tangible benefit,” (i.e., the refinancing is in the financial interest of the borrower);
    • Require the Department of Veterans Affairs to establish a database (within one year) to allow consumer reporting agencies to verify veterans’ medical debts;
    • Amend the Fair Credit Reporting Act rules regarding security freezes;
    • Provides immunity from liability for disclosing the suspected exploitation of a senior citizen to a covered agency to financial institutions, and to certain employees;
    • Require the CFPB to write regulations to apply ability to repay standards to making Property Assessed Clean Energy loans (PACE loans);
    • Provide for longer exam cycles for community banks; and
    • Protect veteran's credit;
    • Protect veterans from predatory lending; and
    • Permanently reinstates the Protecting Tenants at Foreclosure Act, which had expired on December 21, 2014.
    Register here

     
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  • Sixty (60) Critical Steps for Properly Handling Delinquent and Abandoned Safe Deposit Boxes

    Aug 30th, 2018
    10:00am - Noon
     Sixty (60) Critical Steps for Properly Handling Delinquent and Abandoned Safe Deposit Boxes
     

    Presented by David P. McGuinn
    Thursday, August 30th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    Get answers to the following questions and establish internal procedures to comply with proper safe deposit requirements.
    • Why did fifteen financial institutions get sued recently after drilling past due boxes?
    • How does the Servicemembers Civil Relief Act (SCRA) apply to delinquent boxes?
    • What would happen if all your unclaimed property was destroyed or disappeared?
    • When are drilled box contents reported to your Unclaimed Property Department?
    • Do you have any “Right of Offset” against a past due renter’s deposit account?
    • What seven past due fees should be collected from all delinquent box renters?
    • What does the Unclaimed Property Department do with these box contents?
    • Have there been any lawsuits caused by incorrect box drilling procedures?
    • If cash is found in a drilled box can it be converted and mailed in a check?
    • How do you handle dangerous or illegal contents found in a drilled box?
    • Can you sell these box contents and recover your collection expenses?
    • Who must be present when a past due box is drilled in most states?
    • Can you report a past due box renter to a credit-reporting agency?
    • What careful wording should be used in a FINAL past due notice?
    • What should we do if money, guns or drugs are found in a box?
    • What is the required retention period for drilled box records?
    • Can you legally restrict box access to a delinquent renter?
    • Must these boxes be drilled before reporting to the state?
    • What should you do if you drill the wrong past due box?
    Register here

     
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  • Diversity & Inclusion in the Workplace

    Aug 30th, 2018
    1:30pm - 3:30pm
    Diversity & Inclusion in the Workplace


    Presented by Honey Shelton
    Thursday, August 30th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • Generational differences and providing all of them inclusion
    • Take your diversity awareness to a new level
    • Understand what diversity is and isn’t
    • Definitions and benefits related to D&I
    • Diversity is more than how we look
    • The business value of diversity in the organization
    • Tools and resources that will aid in taking D&I to a new level
    • How focusing on inclusion impacts employee engagement
    Register here
     
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  • Core Management Skills

    Sep 4th, 2018
    10:00am - Noon
    Core Management Skills


    Presented by
    J. T. Turner
    Tuesday, September 4th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • Pulling the Trigger - Making Decisions / Solving Problems
    • Smart Delegation
    • Planning Your Work and Working Your Plan
    • Effective Communication
    • Meetings that Actually Work
    • Dealing with Tough Personalities
    • Fast Tips for the Busy Manager
    Register here
     
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  • What to Do When a Customer Dies

    Sep 5th, 2018
    10:00am - Noon
    What to Do When a Customer Dies
    Presented by Terri D. Thomas
    Wednesday, September 5th, 2018
    10:00 am - 12:00 pm CT

     

    COVERED TOPICS

    • What documents are required upon the death of an individual?
    • What actions should your financial institution take on deposit accounts owned by the decedent?
    • How should your financial institution deal with the decedent's estate?
    • What should your financial institution do if there isn't an estate?
    • How should your financial institution handle "death" as a default on a loan?
    • How will the new mortgage servicing rules impact mortgage loans where the borrower has died?
    • What does every lender need to know about doing business with the borrower's estate?
    • What steps can your financial institution take to protect its collateral after the borrower has died?
    • How should your financial institution handle issues of guarantors, setoff and insurance once the borrower has died?
    • How does the death of a key person affect the borrowings of Corporations, Partnerships, Limited Liability Companies, Trusts and other legal entities?
    Register here
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  • Commercial Construction Lending

    Sep 5th, 2018
    1:30pm - 3:30pm
    Commercial Construction Lending


    Presented by Richard Hamm
    Wednesday, September 5th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • What is construction risk and how is it mitigated?
    • Differences between residential and commercial construction loans
    • What is High Volatility CRE (HVCRE)?
    • Issues with contractor qualifications, construction contracts and budgets
    • Five items that determine how you handle a specific loan
      • The type of project (full construction vs. renovation, etc.)
      • The loan approval and related conditions or contingencies
      • The term sheet or commitment letter written to the customer
      • Your bank’s policies and procedures
      • The construction loan agreement
    • Other key documentation
      • Title insurance
      • Survey
      • Bonding
    • Funding and draw controls
      • Inspections
      • Lien waivers and lien updates
      • Disbursement methods
      • Monitoring usage of budget contingency
      • Line item transfers
    • Completion of the project and (if applicable) stabilization
    Register here
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  • MBA Compliance Conference

    Sep 6th, 2018
    8:30am - 4:00pm
    Hilton Hotel, 1001 E. County Line Road, Jackson, Ms 39211 (601) 957-2800

    MBA Compliance Conference
    September 6, 2018
    8:30 am - 4:00pm

    Hilton Hotel
    1001 E. County Line Road
    Jackson, Ms 39211
    601-957-2800

    Registration and Hotel information

    More Details
  • Federal Benefit Payments Garnishment Requirements

    Sep 6th, 2018
    3:35pm - 4:35pm
    Federal Benefit Payments Garnishment Requirements


    Presented by Terri D. Thomas
    Thursday, September 6th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • A general review of the requirements for processing garnishments and state tax levies under the final rule
    • The special terminology that applies
    • The detailed steps financial institutions need to take when processing garnishment and levy requests
    • Examples of how the rules impact garnishment and levy answers, and hold amounts
    • Model language and sample forms that can be used when providing notice pursuant to the rules
    Register here
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  • Equipment Lease Financing

    Sep 7th, 2018
    10:00am - Noon
    Equipment Lease Financing


    Presented by Robin Russell
    Wednesday, September 12th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • Capital leases vs. operating leases
    • "True Leases" vs. lease financings under the UCC
    • Types of equipment well-suited to lease financing arrangements
    • Economic analysis of a lease vs. loan
    • Tax and accounting issues
    • Documenting the equipment lease financing arrangement
    • Equipment maintenance and upgrades
    • Lease monitoring and administration
    • Defaults and remedies under the lease
    • Treatment of leases in bankruptcy
    • Review of OCC Lease Financing Guidelines
    Register here
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  • What's All the Fuss About Escrows?

    Sep 10th, 2018
    10:00am - Noon
    What's All the Fuss About Escrows?


    Presented by Jack Holzknecht
    Monday, September 10th, 2018
    10:00 am - 12:00 pm CT


    Program Content

    Upon completion of the program participants understand:
    • Which loans are required by Regulation Z and the flood regulations to have escrow accounts, and which are exempt;
    • The limitations on the amount of the required escrow payments at origination and over the life of the loan;
    • How to conduct an escrow analysis;
    • How to determine an escrow account computation year;
    • The calculation of the amount of the allowed cushion;
    • The rules for preparing the initial escrow account disclosure statement;
    • The TRID rules regarding the escrow notices required in the Closing Disclosure;
    • The expanded Flood Hazard Notice for Escrow information;
    • The flood insurance option to escrow notice;
    • How to prepare the annual escrow account statement;
    • How to resolve a surplus, a deficiency or a shortage;
    • Revised Regulation X rules for timely escrow payments and treatment of escrow balances;
    • Regulation Z rules regarding escrow cancellation notices;
    • The recordkeeping rules for escrow accounts; and
    • The penalties for the failure to submit an initial or annual escrow account statement.
    Register here

     
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  • CRA Nuts & Bolts - Five Steps to Pass the Exam

    Sep 11th, 2018
    10:00am - Noon
    CRA Nuts & Bolts - Five Steps to Pass the Exam


    Presented by Susan Costonis
    Tuesday, September 11th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • Five steps for managing a CRA exam and the importance of developing a CRA strategy.
    • Tips for banks that are ISB (intermediate small banks of $313 million in the prior two calendar years and the transition to CRA reporting when the large bank threshold of $1.252 billion is reached. The new limits were announced on December 27, 2017.
    • Learn how to document lending activity in designated disaster areas.
    • What's included in a performance context? Learn how to describe your institution, quantify the ability and capacity of the bank to meet credit needs based on financial data. Learn how to highlight the positive outcomes of your lending focus and business strategy.
    • Tips to describe your assessment area including demographic and economic data resources.
    • Best practices to deal with CRA-related complaints and potential fair lending issues that can threaten a successful exam.
    • Definitions of Community Development Loans and Services and ideas for passing the Investment Test portion of the exam
    • Helpful CRA compliance resources and regulatory guidance including highlights of the July 25, 2016 Frequently Asked Question
    • New definitions for “home mortgage loanandconsumer loan” as well as public file requirements became effective January 1, 2018. The joint rule from the Federal Reserve, FDIC and OCC amends respective CRA regulations to conform to 2018 changes to the Home Mortgage Disclosure Act.
    Register here
     
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  • Lending to Municipalities

    Sep 12th, 2018
    1:30pm - 3:30pm
    Lending to Municipalities


    Presented by Robin Russell
    Wednesday, September 12th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • Governmental use of bond financing
    • Impact of frequent long-term financing needs on bank credit evaluation and profitability
    • Basics of fund accounting
    • Effect of different forms of municipal government: mayor/council, council/manager, or commission
    • Importance of relationship in municipal lending (all politics are local)
    • Collateral and lien documentation
    • Lending/credit opportunities (needs)
    • Profitability and federal income tax-free interest income
    • Benefits beyond profitability
    Register here
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  • Engineering Better IT Audit Programs

    Sep 14th, 2018
    10:00am - Noon
    Engineering Better IT Audit Programs


    Presented by Jon Waldman
    Friday, September 14th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • Risk-based Audit Models
    • FFIEC IT Audit Requirements
    • FDIC InTREx Expectations
    • Internal/External Audit Processes
    • 6 Basic Audit Steps
    • Engagement Letters
    • Audit Workpapers
    • Reporting and Exception Tracking
    Register here
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  • Best-Ever Compliance Checklists for Commercial Loans

    Sep 17th, 2018
    1:30pm - 3:30pm
    Best-Ever Compliance Checklists for Commercial Loans


    Presented by Anne Lolley
    Monday, September 17th, 2018
    1:30 pm - 3:30 pm CT
     

    Covered topics

    • HMDA requirements (updated for the 2018 requirements)
    • Customer identification (CIP)
    • Environmental risk analysis
    • Appraisal/evaluation requirements
    • Reg B rules
      • Adverse action
      • Providing copies of appraisals
      • Documenting intent to apply for joint credit
    • Flood insurance requirements
    Register here
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  • Right of Setoff

    Sep 18th, 2018
    10:00am - Noon
    Right of Setoff

    Presented by Terri D. Thomas
    Tuesday, September 18th, 2018
    10:00 am - 12:00 pm CT


    Covered topics

    • What are the legal requirements to create a "right of setoff?"
    • What is the difference between a contractual right of setoff and a statutory right of setoff?
    • What are the differences between setoff, garnishment, and foreclosure of security interest, and why are these terms frequently misused?
    • What happens when a third party is competing with your financial institution's right of setoff?
    • How does the automatic stay in bankruptcy affect the right of setoff?
    • When is the right of setoff absolutely prohibited?
    • How to handle notice to the customer?
    • What is sample contractual language that can help your financial institution exercise its setoff rights?
    • What are the liabilities that can be incurred when setoff is done incorrectly?
    Register here
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  • Ability-to-Repay/Qualified Mortgage Rules

    Sep 18th, 2018
    1:30pm - 3:30pm
    Ability-to-Repay/Qualified Mortgage Rules


    Presented by Jack Holzknecht
    Tuesday, September 18th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • Which loans are covered by and which loans are exempt from the ATR/QM rules;
    • The seven Ability to Repay Options and the five Qualified Mortgage Options;
      • What conditions must be met for a loan to be considered under each option;
      • When is a transaction considered a Higher Priced Covered Transaction and how that impacts Qualified Mortgage status;
    • The options available for lenders using balloon financing;
    • What institutions qualify as "small creditors" under the revised rules;
    • What special ATR/QM options are available for small creditors, including the option presented by Section 101 of EGRRCPA;
    • The expanded definition of "rural area" and how the change impacts your institution;
    • How to consider PACE financing when evaluating the ability to repay; and
    • What tools are available from the Census Bureau and the CFPB to determine which areas are rural areas and how to use those tools.
    Register here
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  • Quarterly Compliance Briefing: Fall 2018

    Sep 19th, 2018
    10:00am - Noon
    Quarterly Compliance Briefing: Fall 2018


    Presented by Carl Pry
    Wednesday, September 19th, 2018
    10:00 am - 12:00 pm CT
     

    COVERED TOPICS

    Covered topics coming soon.
     
    Register here
     
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  • For Banking RMs: Learn the 7 Habits of Top Producing Bankers

    Sep 19th, 2018
    1:30pm - 3:30pm
    For Banking RMs: Learn the 7 Habits of Top Producing Bankers


    Presented by Alex Cole
    Wednesday, September 19th, 2018
    1:30 pm - 2:30 pm CT


    COVERED TOPICS

    • Why the only "A" priority is prospecting – how to ensure prospecting time is on your calendar and improve your pipeline so that it is not a pipedream
    • The formula for success - A process for developing a strategic and executable method to help you hit goals and grow your book of business
    • How to close new key accounts faster - Get decisions when a solution is presented, eliminate the incumbent, and close more business
    Register here
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