Calendar of Events

  • 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    • Proper handling of counteroffers, and withdrawn and incomplete applications;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
     
    More Details
  • 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
    More Details
  • 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
    More Details
  • 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
    More Details
  • 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
    More Details
  • HMDA

    Jul 19th, 2018
    10:00am - Noon
    HMDA


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


    This description is from the January 2018 webinar. Please check back for a modified description. Topics may be updated, but registration is now open.

    COVERED TOPICS

    • The CFPB’s announcements about the new HMDA rule and delays in enforcement – what does all this mean and what should we do?
    • Details of the new coverage rules – who collects and submits information, and when
    • What types of loans are reportable now
    • The new dwelling-secured loan standard – what does this impact?
    • Changes in the commercial loan area
    • How to handle HELOCs
    • New LAR fields – moving to 53 fields, but with many additional data requirements
    • New categories of reporting, including information on the property, loan type, and loan features; plus identification information
    • Changes on how GMI is reported
    • Changes to the submission process
    • Quarterly reporting for some institutions
    • How the public obtains HMDA information changes
    • Practical and compliance implications
    Register here
    More Details
  • Preparing a New Manager for Success

    Jul 20th, 2018
    10:00am - Noon
    Preparing a New Manager for Success


    Presented by Honey Shelton
    Friday, July 20th, 2018
    10:00 am - 12:00 pm CT

     

    COVERED TOPICS

    • Avoid common mistakes
    • Create an effective onboarding process
    • Requirements of a Professional Development Plan
    • Recognize potential issues and stress
    • Strategies for leadership success
    • Encourage self-evaluation and accountability
    • Celebrate milestones
    Register here
    More Details
  • Cyber Security and FFIEC Regulatory Expectations

    Jul 23rd, 2018
    1:30pm - 3:30pm
    Cyber Security and FFIEC Regulatory Expectations


    Presented by Susan Orr
    Monday, July 23rd, 2018
    1:30 pm - 3:30 pm CT
     

    COVERED TOPICS

    • Overview of regulatory expectations
      • Preparedness
      • Board awareness and involvement
      • Staff training
      • Cyber security assessment
    • Enhancing your Information Security Program and related policies, plans, and programs
    Register here
     
    More Details
  • ACH Origination for Lenders and Cash Management

    Jul 24th, 2018
    10:00am - Noon
    ACH Origination for Lenders and Cash Management


    Presented by Mary Kate Kole
    Tuesday, July 24th, 2018
    10:00 am - 12:00 pm CT
     

    COVERED TOPICS  

    • ACH Rule warranties for origination
    • ACH authorizations by SEC Code
    • The impact of Same Day ACH
    • Specific warranties for each SEC Code
    Register here
     
    More Details
  • Developing a Strong Enterprise-Wide Risk Assessment for your ERM Program

    Jul 24th, 2018
    1:30pm - 3:30pm
    Developing a Strong Enterprise-Wide Risk Assessment for your ERM Program


    Presented by Marci Malzahn
    Tuesday, July 24th, 2018
    1:30 pm - 3:30 pm CT
     

    COVERED TOPICS

    • Overall view of Enterprise Risk Management and key components
    • The three key phases of ERM and how Risk Assessments fit in
    • The Risk Assessment Process
    • Identifying and assessing risks – enterprise wide
    • What is a Risk Assessment System (RAS) and its relationship to CAMELS rating
    • The top eight risks and other important ones
    • How to conduct an ERM Risk Assessment using a Matrix – The core of risk assessments
    • The various types of risk assessments based on the area of risk and what they consist of
    Register here
    More Details
  • Business Development for All Responsible Parties

    Jul 25th, 2018
    1:30pm - 3:30pm
    Business Development for All Responsible Parties


    Presented by Honey Shelton
    Wednesday, July 25th, 2018
    1:30 pm - 3:30 pm CT
     

    COVERED TOPICS

    Twelve Steps to Elevate Your Effectiveness

    1. Know and Exceed What is Expected
    2. Overcome Resistance and Other Detours
    3. Manage the Impression and Polish the Brand
    4. Sharpen Product Knowledge
    5. Become the Market Expert
    6. Identify Targets
    7. Set Goals
    8. Build Your Plan
    9. Execute Your Plan
    10. Use Best Practices for Effective Calls
    11. Document Your Effort and Your Results
    12. Follow Up; Follow Through

    Branch managers, lenders and business development experts are obligated to represent the brand of the company, develop a tactic for knowing products and services, setting goals, building a sales performance plan that is well-managed, executed and adjusted in order to obtain the desired results.

    Register here
    More Details
  • Audit Report Writing

    Jul 26th, 2018
    10:00am - Noon
    Audit Report Writing


    Presented by Philip Vassallo
    Thursday, July 26th, 2018
    10:00 am - 12:00 pm CT

     

    COVERED TOPICS

    • Determine factors affecting the validity and reliability of a finding
    • Assess the appropriate level of detail
    • Create a department-specific template to facilitate the writing process
    • Draft workpapers based on objective observations
    • Employ formatting devices to improve the visual appeal of an audit report
    • Choose fluent sentence structure to illuminate ideas
    • Develop a precise, clear, concise vocabulary for documenting audit reports
    Register here
    More Details
  • Lending to Churches & Other Religious Institutions

    Jul 27th, 2018
    10:00am - Noon
    Lending to Churches & Other Religious Institutions


    Presented by Jeffery W. Johnson
    Friday, July 27th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    After completing this course the participant will be able to:

    • Identify and understand the primary differences between the accounting principles for NPOs and the accounting principles for FPOs.
    • Identify the basic information required to analyze Religious Organizations
    • Analyze the financial statements and other information available from Religious Organizations
    • Utilize key ratios used specifically for Religious Organizations
    • Identify the risks of lending to Religious Organizations
    • Structure loans to minimize the risks associated with lending to Religious Organizations
    Register here
    More Details
  • Untangling the Web of Fee Disclosures

    Jul 30th, 2018
    1:30pm - 3:30pm
    Untangling the Web of Fee Disclosures


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


    COVERED TOPICS

    Upon completion of the program, participants understand that improper fee disclosure may result in violations. In some cases a violation of one section may result in one or more violations of other sections. It is a tangled web. For example:

    • A violation of the finance charge rules contained in §1026.4 may also cause a violation of the disclosure requirements in §1026.18 or §1026.38 since the finance charge is included in those disclosures;
    • Improper categorization of fees on the TRID disclosures contained in §1026.37 and .38 may result in a violation of the tolerance rules contained in §1026.19;
    • Failure to follow the APR calculation rules contained in §1026.22 may result in:
      • The incorrect APR appearing in the disclosures contained in §1026.18, §1026.32, §1026.37 or §1026.38;
      • Inadvertently triggering coverage of §1026.32;
      • An inaccurate calculation of the rate spread disclosed on the HMDA LAR and used to determine the applicability of the high-cost mortgage loan rules contained in §1026.32 and the higher-priced mortgage loan rules contained in §1026.35; or
      • The incorrect disclosure of the HOEPA status disclosed on the HMDA LAR;
      • An inaccurate determination of the higher-priced covered transaction status of a loan for purpose of determining which a transaction achieves safe harbor or presumption of compliance status for the ability to repay rules in Section 1026.43;
    • Failure to properly calculate the total points and fees as prescribed by the high-cost mortgage loan rules contained in §1026.32 can:
      • Inadvertently trigger §1026.32 coverage;
      • Violate the disclosure rules contained in §1026.32;
      • Result in an incorrect entry on the HMDA LAR; and
      • Blow the Qualified Mortgage status for purposes of §1026. 43; or
    • Failure to follow TRID rules contained in §1026.38 may result in the incorrect disclosure of the total of all itemized amounts that are designated borrower-paid at or before closing on HMDA LAR.
    Register here
    More Details
  • Managing a Successful Call Center

    Jul 31st, 2018
    10:00am - Noon
    Managing a Successful Call Center


    Presented by Janice Branch
    Tuesday, July 31st, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS

    • Establish training curriculum for Call Center Agents
    • Determine and Institute a Call Flow Guide
    • Create a motivational work environment
    • Build consistency between agents
    • Decrease member dissatisfaction
    • Reduce excessive call times
    • Practice Coaching techniques that increase agent performance
    Register here
    More Details
  • CRE Appraisals: Appraisal Components, Approaches to Value and Cap Rates

    Jul 31st, 2018
    1:30pm - 3:30pm
    CRE Appraisals: Appraisal Components, Approaches to Value and Cap Rates
    PART 1 of 2


    Presented by Richard Hamm
    Tuesday, July 31st, 2018
    1:30 pm - 3:30 pm CT

    This page (and pricing) is for Part 1 only. If you are interested in series pricing, CLICK HERE or see below.

    Fundamental principles and features and CRE appraisals are covered.

    HIGHLIGHTS
    • Types of appraisals by format
    • What to look for within the assumptions and limiting conditions
    • Property ownership interests clarified (fee simple, leased fee, etc.)
    • Highest and best use of the property
    • Approached to value
      • Cost approach and information useful in the underwriting and loan structuring process
      • Income approach options of discounted cash flow (DCF) and direct capitalization, with the steps to building net operating income (NOI) and the cap rate used in direct capitalization (including a case example)
      • Comparables and the key issue to consider when selecting and evaluating comps
      • Reconciliation of value
    Register here for Part 1
    Register here for Part 2
    Register here for Part 1 and Part 2
    More Details