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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