Calendar of Events

  • Commercial Real Estate Lending: Cash Flow Analysis

    Dec 11th, 2017
    1:30pm - 3:30pm

    Commercial Real Estate Lending:  Cash Flow Analysis


    Presented by Richard Hamm
    Monday, December 11th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered topics:

    • Cash flow or net operating income (NOI) concepts
    • Understanding key variables: vacancy, management fees and replacement reserves
    • The missing link: Using NOI along with a cap rate to estimate current property value
    • Moving from NOI to cash flow available for debt service (CFADS) and DSC
    • Stress-testing of debt service coverage (DSC) and loan-to-value (LTV) at transaction level
    • How to use a sample worksheet to explore the major issues, including stress-testing, demonstrated with a case example
    Register here
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  • Notary Public

    Dec 12th, 2017
    10:00am - Noon

    Notary Public


    Presented by Terri D. Thomas
    Tuesday, December 12th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • Conflicts of interest
    • What happens when the law and the employer don't agree
    • Different types of notarial acts
    • Notarial liability and why notaries are sued
    Register here

     

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  • Excel Explained: Introduction to Spreadsheets

    Dec 12th, 2017
    1:30pm - 3:30pm

    Excel Explained: Introduction to Spreadsheets


    Presented by David Ringstrom
    Tuesday, December 12th, 2017
    1:30 pm - 3:30 pm CT
     

    This presentation is designed for those who haven’t worked with Excel spreadsheets before or who haven’t used them in a few years. Excel expert David Ringstrom, CPA, walks you through the basics of Excel spreadsheets, providing the knowledge needed to create functional spreadsheets and manipulate large lists of data.During the webcast, David presents an overview of the different types of files you can create; explains Excel’s rows and columns grid; demonstrates how to remove duplicates from a list; shares keyboard shortcuts that simplify repetitive tasks; shows you how to use free, prebuilt Excel templates to get a jump start on your spreadsheet projects—and much more.

    David typically demonstrates techniques from the version of Excel used by the majority of attendees. This means he uses Excel 2010, 2013, or 2016 to demonstrate techniques, but his detailed handouts identify differences in Excel 2007, 2010, 2013, and 2016 when needed. His webcasts are fast-paced, and attendees often are surprised at the amount of ground he covers in a session. He welcomes participants’ questions, so come ready to pick his brain. David’s detailed handouts, with numbered steps, serve as reference material you can utilize going forward. He also provides an Excel workbook that includes most of the examples he uses during the webcast.

    Register here

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  • RESPA Section 8 Violations

    Dec 13th, 2017
    10:00am - Noon

    RESPA Section 8 Violations

     
    Presented byJack Holzknecht & Kelly M. Owsley
    Wednesday, December 13th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    Upon completion of the program participants understand:
    • What transactions are covered by RESPA's prohibition against unearned fees and kickbacks;
    • What actions are prohibited;
    • What constitutes a referral fee, or an unearned fee or kickback;
    • What compensation is permissible;
    • What constitutes an affiliated business arrangement and the rules that apply to such arrangements;
    • How to properly handle broker arrangements; and
    • Recent CFPB consent decrees related to Section 8, including a case where the CFPB didn’t come out the winner in the end.
    Register here
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  • ESign Compliance

    Dec 13th, 2017
    1:30pm - 3:30pm

    ESign Compliance -
    Implementation Steps and Requirements for Loan Applications



    Presented by Susan Costonis
    Wednesday, December 13th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • What are the rules? Learn about Federal regulations for E-Sign
    • Which lending regulations are related to E-Sign and have specific provisions for compliance?
    • Can you provide appraisal copies electronically?
    • How do you comply with the “delivery” requirements of Integrated Disclosures for Loan Estimates and Closing Disclosures?
    • What are “digital signatures”?
    • What are the retention requirements for loan documents?
    • Can mortgage statements be provided electronically?
    • Can Privacy Notices be provided electronically?
    • Common questions, resources, exam procedures
    • Learn the Six-Step Process for Consumer Consent
    • Basic Steps for E-Sign Implementation
    Register here
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  • Escrows

    Dec 13th, 2017
    1:30pm - 3:30pm

    Escrows


    Presented by Carl Pry
    Wednesday, December 13th, 2017 
    1:30 pm - 3:30 pm CT

     

    Covered Topics:

    • Escrowing under flood insurance rules – when escrow must be maintained, as well as notices
    • Reg. Z escrow rules – HPML rules that mandate escrow accounts, plus opt-out possibilities
    • RESPA requirements – what is an escrow account?
    • Can we maintain a “voluntary escrow” and avoid the RESPA requirements?
    • Calculating the initial deposit into the escrow account – aggregate accounting rules
    • How to complete initial and final disclosures with escrow information
    • Required notices and statements – initial, annual, and short-year
    • The 3 documents that must be sent each escrow accounting year
    • Dealing with surpluses, shortages, and deficiencies

    Register here

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  • Unraveling the similarities and differences between the Green Book & ACH Payments

    Dec 14th, 2017
    10:00am - Noon

    Unraveling the similarities and differences between the Green Book & ACH Payments


    Presented by Kate Cole
    Friday, December 15th, 2017
    10:00 am - 12:00 pm CT

     

    Learn the differences between the Green Book and the ACH Rules, with a focus on enrollment, payment processing, reclamations and limiting your liability. The Bureau of Fiscal Services (formally Financial Management Services) manages the payments from the majority of the Federal Government Agencies. The Green Book is a comprehensive guide for financial institutions that receive ACH payments from and send payments to the federal government. In this session we will discuss the differences between the Green Book and the ACH Rules. The reclamation process can be confusing and can have a financial impact on your bank. Join us to learn about your liability and how to limit it.

    Highlights:

    • Where to look for contacts within the different government agencies
    • How to handle notifications of change
    • How to limit your liability on Federal Government Reclamations

    Register here

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  • EFT

    Dec 14th, 2017
    10:00am - Noon

    EFT


    Presented by David Dickinson
    Thursday, December 14th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • Disclosures (Initial, Change in Terms & Periodic)
    • What is an EFT?
    • Consumer & Bank Liability
    • Investigation Time Limits
    • Resolution Requirements
    • Visa & MasterCard Rules
    • Common Misconceptions
    • UDAAP Risks
    Register here
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  • Onboarding Your New Hire

    Dec 18th, 2017
    1:30pm - 3:30pm
    Onboarding Your New Hire

    Onboarding Your New Hire


    Presented by Honey Shelton
    Monday, December 18th, 2017
    1:30 pm - 3:30 pm CT


    For Banks That Are Serious About Taking Onboarding Up a Notch

    This dynamic program will help raise the bar when it comes to engaging and training new employees from the start. Showcase your culture to your new hires. Want some ideas on how to polish your culture? Those ideas are included in this highly popular topic.How do you check all the required boxes while still maintaining the interest of your new hire? Wow them with a genuine interest and care in their success with your organization. Learn how to excel at new employee onboarding.
     

    What you will learn:

    • Polish up your culture and get the word out about it to everyone
    • Showcase your culture in every job interview and every launch of a new hire
    • How to set the tone for success?
    • The Four C's of onboarding: Compliance, Clarification, Culture and Connection
    • Using the first two weeks of employment as a launching board
    • Create an engaged employee from the start.
    • Best practices to wow the new hire
    • What is employee engagement?
    • How do I train a new hire effectively?
    • Provide coaching and support

    Register here

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  • IRS Information Reporting: Rules and Forms

    Dec 19th, 2017
    10:00am - Noon

    IRS Information Reporting: Rules and Forms


    Presented by Carl Fry
    Tuesday, December 19th, 2017
    10:00 am - 12:00 pm CT
     

    Covered Topics:

    • Taxpayer Identification Numbers - soliciting them, reporting issues, mismatches from the IRS and what to do (includes truncation options)
    • Backup withholding - "B" notices: what to do and when
    • 1099 reporting - its many and various forms, from interest and dividend income, abandoned and foreclosed property, IRA distributions, debt cancellation, and miscellaneous reporting
    • 1099-C Discharge of Debt rule
    • 1098s - what amount is reportable here? How about points? What is a qualifying mortgage?
    • IRA reporting - 5498s and the 1099-R
    • Timing requirements for the various forms
    • Penalties for noncompliance and failure to file
    • Changes in reporting requirements for tax year 2017
    • The Foreign Account Tax Compliance Act (FATCA) - what it is and what you have to do about it
    Register here
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  • Writing Business Account Procedures for New CDD

    Dec 19th, 2017
    1:30pm - 3:30pm

    Writing Business Account Procedures - New CDD


    Presented by Deborah Crawford
    Tuesday, December 19th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • What authority is need to open every type of business account
    • Why we do what we do in establishing ownership and liability
    • What the resolution does and does not do on business accounts
    • Impact of CIP and CDD from the Bank Secrecy Act on opening accounts
    • Detecting beneficial owners
    • Implementing new procedures for customer due diligence and beneficial owners
    • Changing signatories
    • Multi-tiered LLCs
    • Partnerships with businesses as partners
    • Corporations dba other entities
    • Trusts as owners of businesses

    Register here

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  • Commercial Real Estate (CRE) Lending in Today’s Economy

    Dec 20th, 2017
    10:00am - Noon

    Commercial Real Estate (CRE) Lending in Today's Economy


    Presented by David Osburn
    Wednesday, December 20th, 2017
    10:00 am - 12:00 pm CT
     

    Attend this webinar to review the basics of “commercial real estate” including types of properties and demand/supply in the “current” market. The session will then cover the entire loan process by which a “commercial real estate loan” is marketed, underwritten, approved, documented, “closed,” and monitored. The process will include examples of commercial real estate underwriting techniques and loan documentation issues. Additionally, strategies to handle a problem commercial real estate loan will be addressed.

    OBJECTIVES:

    • Review the basics of commercial real estate including types of properties and demand/supply in the current market
    • Gain an understanding of how banks process commercial real estate loans
    • Learn the steps of marketing, approving, documenting, closing, and monitoring a commercial real estate loan
    • Cover examples of commercial real estate loan underwriting and loan documentation
    • Address problem loan issues
    Register here
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  • W-9, W-8BEN and W-8BEN-E New Updated Forms and Info

    Dec 20th, 2017
    1:30pm - 3:30pm

    W-9, W-8BEN and W-8BEN-E New Updated Forms and Info


    Presented by Deborah Crawford
    Wednesday, December 20th, 2017
    1:30 pm - 3:30 pm CT
     

    Covered Topics:

    • Line by line review of the W-9
    • Exemption codes on the W-9 and FATCA exemption codes
    • SSNs, ITINs and EINs who needs what
    • IRS reporting on the 1099 Int and the 1042S
    • What happens when name and TIN do not match?
    • B notices and fines
    • How does the IRS set up name control files?
    • Line by Line Instruction on the new W8BEN and W-8BEN E
    • What is a nonresident alien? What if there is no country address?
    • Basic understanding of FATCA and how it impacts your organization
    • Documenting GIIN for foreign financial institutions

    Register here

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  • Coaching Tellers to Excellence

    Dec 21st, 2017
    10:00am - Noon

    Coaching Tellers to Excellence


    Presented by Honey Shelton
    Thursday, December 21st, 2017
    10:00 am - 12:00 pm CT

    How successful do you expect your tellers to be? How successful do they want to be? How big is the gap between what you want and what they deliver on? It's a fact: Coaching your tellers decreases teamwork issues, teller drawer outages, compliance/audit infractions and customer dissatisfaction. This webinar teaches managers and supervisors how to improve their teller’s performance with on-purpose and spontaneous coaching. Looking for ways to encourage your tellers to cross-sell and knock it out of the park with sizzling customer service? Tune in and find out how to do just that. Do you wonder if some of your teller staff is just showing up instead of stepping up? Get busy putting effective coaching to work on your teller line. Honey Shelton will help you see how you can put coaching techniques into your leadership skills and get positive and meaningful results.

    Learn how to coach your teller to:

    • Collaborate with you about what it means to succeed in this position
    • Self-evaluate if how they act and how they learn is getting the job done
    • Increase their professional maturity
    • Act and dress appropriately
    • Make a positive and memorable impression on the customer
    • Stay off their cell phone at work
    • Follow proper procedures when handling cash and cashing checks
    • Stay on top of what is required to be in-line with all audit and compliance matters
    • Spot opportunities with customers to cross-sell the right way
    • Elevate skills around balancing
    • Seek and accept feedback

    Register here

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  • Compliance Perspectives: A Monthly Update

    Dec 21st, 2017
    1:00pm - 2:00pm

    Compliance Perspectives: A Monthly Update


    Presented by Carl Pry
    Thursday, December 21st, 2017
    1:00 pm - 2:00 pm CT

    Register here
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