Calendar of Events

  • Residential Construction Lending

    Jun 25th, 2018
    1:30pm - 3:30pm
    Residential Construction Lending

    Presented by Richard Hamm
    Monday, June 25th, 2018
    1:30 pm - 3:30 pm CT
     

    COVERED TOPICS

    • What is construction risk and how is it mitigated?
    • What additional due diligence is needed, beyond a conventional mortgage application and underwriting?
      • Full construction vs. repair/remodel
      • Construction contract and cost estimate issues (Description of Materials form)
      • Contractor credentials and qualifications
      • Plans and drawings
      • Survey
      • Title insurance
      • Appraisal issues
    • Loan pricing and structuring
      • Typical interest rate and fees
      • Construction loan agreements
    • Issues with draws and inspections, including cost over-runs and lien priority
    • How is the construction loan going to end (get repaid)?
    Register here

     

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  • Basic Cash Flow Analysis

    Jun 26th, 2018
    10:00am - Noon
    Basic Cash Flow Analysis


    Presented by Jeffrey Johnson
    Tuesday, June 26th, 2018
    10:00 am - 12:00 pm CT

     

    COVERED TOPICS

    • Comparison of Traditional Cash Flow Method (Net Income + Depreciation + Interest divided by Annual Debt Service) to the UCA model
    • Rules of Cash Flow
    • Accrual Basis versus Cash Basis of preparing financial statements, and how cash flow analysis links the two
    • How each amount on a Universal Cash Analysis is calculated and the meaning of each
    • A Fast Cash Analysis method that can achieve the same results in less time than the UCA method

    Leave with a good understanding of how cash flow is calculated and more importantly, how to interpret its meaning.

    Register here
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  • Commercial Real Estate Lending: Property Types, Lease Structures and Other Non-Financial Risks

    Jun 26th, 2018
    1:30pm - 3:30pm
    Commercial Real Estate Lending: Property Types, Lease Structures and Other Non-Financial Risks


    Presented by Richard Hamm
    Tuesday, June 26th, 2018
    1:30 pm - 3:30 pm CT

    This description is from the June 2017 webinar. Please check back for a modified description. Topics may be updated, but registration is now open.
     

    COVERED TOPICS

    • Differentiating among property types – key terminology and operating factors for multi-family, retail, office and industrial/warehouse
    • Additional issues with owner-occupied and “specialty” properties, such as hotels and nursing homes
    • “Triple net” versus full service leases
    • Overview of other common provisions in commercial leases, including
      • Reimbursement for common area maintenance (CAM)
      • “Go dark” clauses
      • Cotenancy clauses
      • Requirements placed on the tenant
      • Requirements placed on the landlord
      • Estoppels
      • Subordination, non-disturbance and attornment provisions
    • Unusual or extraordinary lease provisions, such as building naming rights
    • Re-lease and rollover risk
    • Physical style risk and ongoing property management risk
    • The concept of sponsorship
    Register here
     
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  • Thirty (30) Important Steps to Properly Audit Your Safe Deposit Department

    Jun 28th, 2018
    10:10am - Noon
    Thirty (30) Important Steps to Properly Audit Your Safe Deposit Department


    Presented by David P. McGuinn
    Thursday, June 28th, 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.
    • What are the thirty (30) most important audit questions that must be answered YES?
    • Have you measured all the boxes to make sure the correct rent is being charged?
    • Why should you perform a complete key audit to determine if you have all keys?
    • Do you know that all renter signatures match the names typed on the contracts?
    • Why is a vault survey of all box numbers and sizes important during this audit?
    • Do you have current resolution forms for all your rented business boxes?
    • Are all of the blanks on the contract filled in properly with no white outs?
    • Have you reviewed access records for the time, date and proper initials?
    • Why must all keys found be listed as Available or Service Required?
    • Are all renter signatures authorized to enter the safe deposit box?
    • If “MYSTERY BOXES” are identified how should they be handled?
    • Why should you record all past due, free and discounted boxes?
    • What five types of Management Reports must be prepared?
    Register here
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  • Bank Call Report Preparation for Beginners - Part 1 of 5

    Jun 29th, 2018
    10:00am - Noon
    Bank Call Report Preparation for Beginners - Part 1 of 5
    *
    This 5 part webinar series will be held on June 1, 8, 15, 22 and 29.

    Presented by Ann Thomas
    Friday, June 1st, 2018
    10:00 am - 12:00 pm CT

    The webinar series will cover the call report in schedule order.


    JUNE 1
    The first webinar will explain general reporting requirements, including consolidation rules, filing deadlines, procedures, and call report resources. In addition, the income statement schedules, RI and RI-A, which can be prepared using the general ledger, will be covered.

    JUNE 8
    The
    second webinar will continue with the last three income statement schedule, RI-B, RI-C, and RI-E and follow with coverage of the balance sheet schedules, starting with RC, followed by the detail balance sheet schedules RC-A and RC-B. There will also be a detailed discussion of the loan classification requirements for RC-C.

    JUNE 15
    The third webinar will continue with the remaining line items on RC-C, parts I & II, followed by coverage of RC-E, RC-F, RC-G, and RC-K.

    JUNE 22
    The fourth webinar will cover the remaining call report schedules other than risk based capital, RC-L, RC-M, RC-N, RC-O, RC-P, RC-Q, RC-S, & RC-T.

    JUNE 29
    The final webinar will cover risk based capital under the Basel III rules.

    Register here
     

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  • Best-Ever Compliance Checklists for Consumer Loans

    Jul 9th, 2018
    1:30pm - 3:30pm
    Best-Ever Compliance Checklists for Consumer Loans


    Presented by Anne Lolly
    Monday, July 9th, 2018
    1:30 pm - 3:30 pm CT
     

    COVERED TOPICS

    This information is from the webinar presented in January 2018. Please check back for a modified description. Topics may be updated, but registration is now open.
    • Truth in Lending (right of rescission, high-cost mortgages, HPMLs, ARMs, TRID disclosures)
    • RESPA
    • HMDA
    • Reg B (appraisal copies, joint credit, adverse action)
    • Flood insurance
    • Appraisals and evaluations
    • FACTA credit score disclosures
    • Insurance disclosures
    • Military Lending Act
    Register here
     
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  • Handling Loan Applications – What can go wrong?

    Jul 10th, 2018
    10:00am - Noon
    Handling Loan Applications – What can go wrong?


    Presented by Susan Costinis
    Tuesday, July 10th, 2018
    10:00 am - 12:00 pm CT

    COVERED TOPICS

    • Learn what specific information will help you to handle applications correctly.
    • What are the top five mistakes made in application processing?
    • Overview of application and timing of disclosures for consumer, mortgage, and commercial loan applications.
    • When does an application have to be in writing? Does it have to be signed? What are the signature rules for applications?
    • What are the rules for appraisal copies? Reg B did NOT exempt commercial purpose loans secured by a 1st lien on a 1-4 dwelling.
    • How do you properly document the “joint intent” to apply?
    • When is an adverse action notice required? What must it contain? Who receives one?
    • When can you pull a credit bureau? What documentation should be kept?
    • Recap of the collection of “demographic information” for HMDA reportable applications under the 2018 rules.
    Register here
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  • HMDA/TRID Workshop

    Jul 11th, 2018
    8:00am - 4:00pm
    Embassy Suites, 200 Township Place, Ridgeland, MS (601-607-7112)
    MBA HMDA/TRID Workshop
    Wednesday, July 11, 2018
    8:00 a.m. - 4:00 p.m.


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


    The Mississippi Bankers Association is pleased to announce a full-day HMDA/TRID Workshop. We look forward to hitting the hot spots in the new HMDA reporting requirements and the TRID disclosures. This workshop will focus on real-world issues in implementing HMDA and dealing with TRID ongoing challenges.

    PRESENTER
    Patti Joyner Blenden, President, Financial Services, Inc. 

    THIS TRAINING WILL COVER

    • Recent amendments to the HMDA and TRID rules
    • Anticipated trouble areas
    • Common HMDA reporting mistakes
    • Practical tips for managing the process
    • Finally filling in the dreaded TRID black hole
    • TRID construction loans
    Click here to download a registration form

     

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  • Flood Insurance: Compliance Issues

    Jul 11th, 2018
    10:00am - Noon
    Flood Insurance: Compliance Issues
     
     
    Presented by Carl Pry
    Wednesday, July 11th, 2018
    10:00 am - 12:00 pm CT

     

    COVERED TOPICS

    • What might happen to the NFIP when Congress gets around to amending the program? What will the compliance implications be?
    • What exactly do the flood insurance rules cover?
    • What is a covered structure or an insurable mobile home?
    • Determinations: when you must do them, reliance upon previous determinations, disputes over their results, and the role of life-of-loan coverage
    • Flood zone discrepancies - how to deal with them
    • Insurable value - what is it and how is it calculated?
    • Coverage Amounts: "Normal" situations, condo coverage, multi-structure, and construction situations
    • "Knowledge is King" - when you have to know
    • Documentation and retention: the Standard Flood Hazard Determination Form, notice to customers, and proof of insurance
    • What do you have to monitor?
    • The types of policies and their limitations, including NFIP (National Flood Insurance Program) and private policies
    • Force-placing insurance - why and how
    • Insurance premiums and Congressional action
    • Increasing regulatory expectations
    Register here
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  • FDIC INTREx Work Program

    Jul 11th, 2018
    1:30pm - 3:30pm

    FDIC INTREx Work Program

    Presented by Susan Orr

     

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  • ATM Cashout Scams

    Jul 12th, 2018
    10:00am - Noon
    ATM Cashout Scams


    Presented by Jon Waldman
    Thursday, July 12th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • ATM Cybercrimes
    • Real images and examples of ATM compromises
    • Risk Assessment suggestions to select appropriate controls
    • Policy and procedures to implement controls
    • Technical Assessments for ATMs
    • Auditing methods for ATMs
    Register here
     
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  • Business Writing for Financial Professionals

    Jul 12th, 2018
    1:30pm - 3:30pm
    Business Writing for Financial Professionals


    Presented by Philip Vassallo
    Thursday, July 12th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • Focus the audience on the purpose of the message
    • Determine the appropriate level of content
    • Organize data to focus the reader
    • Heighten the importance of facts to address the reader’s concerns
    Register here
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  • Providing Accurate and Timely Adverse Action Notices

    Jul 16th, 2018
    1:30pm - 3:30pm
    Providing Accurate and Timely Adverse Action Notices


    Presented by Jack Holzknecht
    Monday, July 16th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • The adverse action notice requirements of both the Equal Credit Opportunity Act (Regulation B) and the Fair Credit Reporting Act;
    • How to complete the model adverse action form;
    • The rules for providing notices to multiple borrowers;
    • The rules for determining who provides the notice in situations with multiple creditors or a broker and an investor;
    • Proper handling of counteroffers, and withdrawn and incomplete applications;
    • Timing rules for adverse action notices;
    • How to select the correct reasons for denial;
    • Rules for commercial loans;
    • The differences between applications, completed applications and inquiries, prequalifications and preapprovals;
    • When an adverse action notice is needed for a deposit account;
    • Listing credit scores for adverse action versus the HMDA LAR;
    • Who is listed as the credit bureau where the credit report is obtained from an aggregator who includes three credit scores from three different companies; and
    • Common errors in completing adverse action notices.
    Register here
     
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  • Dealing with Subpoenas, Summonses, Garnishments, Tax Levies, Etc.

    Jul 17th, 2018
    10:00am - Noon
    Dealing with Subpoenas, Summonses, Garnishments, Tax Levies, Etc.


    Presented by Terri D. Thomas
    Tuesday, July 17th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • Legal differences among subpoenas, summonses, levies, garnishments, writs of attachments and warrants.
    • What your financial institution should know about the Right to Financial Privacy Act, the Financial Privacy Act, and similar laws and regulations.
    • Verifying customer information when complying with subpoenas, garnishments and levies.
    • Helpful resources to assist your financial institution when complying with these orders.
    • Whether IRS tax levies will attach to special accounts, like individual retirement accounts, health savings accounts and escrow accounts.
    • An overview of procedures for answering garnishments of federal benefit payments.
    Register here
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  • Increasing Fee Income without Raising Fees

    Jul 17th, 2018
    1:30pm - 2:30pm
    Increasing Fee Income without Raising Fees


    Presented by Bryan Easley
    Tuesday, July 17th, 2018
    1:30 pm - 2:30 pm CT


    COVERED TOPICS

    • Which fees are most likely to produce more revenue, but not increase attrition
    • What "Mad At Bank" fees should you avoid
    • Do you have to add a monthly service charge to increase fee income
    • How do account opening "filters" impact fee income
    • What do consumers think about paying you fees
    Register here
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  • Customer Due Diligence with Beneficial Owners

    Jul 18th, 2018
    10:00am - Noon
    Customer Due Diligence with Beneficial Owners


    Presented by Jerod Moyer
    Wednesday, July 18th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • Formalizing & Enhancing you Due Diligence Program
    • Who’s Responsible? (BSA, Frontline, Management, Board)
    • Identifying Beneficial Owners of Legal Entity Customers
    • Beneficial Owner Examples
    • Record Retention
    • Hot Spot Concerns
    • What we’ve learned two months in
    • What’s working & what isn’t
    • Answers to Your Questions (during the webinar) and much more!
    Register here
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  • Advanced Commercial Loan Documentation

    Jul 18th, 2018
    1:30pm - 3:30pm
    Advanced Commercial Loan Documentation


    Presented by Robin Russell
    Wednesday, July 18th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • Promissory notes
    • Security agreements, including proper collateral descriptions and perfection of liens under the UCC
    • Loan agreements, including borrowing base certificates
    • Letters of credit and reimbursement agreements
    • Guarantee agreements, co-signors and third-party pledges of collateral
    • The interplay of subordination and intercreditor agreements with the rules of payment and lien priority
    • Signature requirements and supporting documentation
    • Closing the loan
    Register here
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  • Incident Response and Forensics

    Jul 19th, 2018
    1:30pm - 3:30pm
    Incident Response and Forensics


    Presented by Chad Knutson
    Thursday, July 19th, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • Common threats
    • Detection methods
    • Incident response procedures
    • Incident response testing methods
    • Digital Forensics
    Register here
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  • Preparing a New Manager for Success

    Jul 20th, 2018
    10:00am - Noon

    Preparing a New Manager for Success

    Presented by Honey Shelton
     

     

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