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
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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.
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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
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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

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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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