Calendar of Events

  • Outsourced Third Party (Vendor) Management

    Nov 19th, 2018
    1:30pm - 3:30pm
    Outsourced Third Party (Vendor) Management

    Presented by Susan Orr
    Monday, November 19th, 2018
    1:30 pm - 3:30 pm CT

    • FFIEC agencies expectations for your Program
    • The latest guidance:
      • Appendix J of the FFIEC BCP Handbook
      • Appendix D of the FFIEC Outsourced Technology Services Handbook
      • FFIEC Supervision of Technology Service Providers, September 2012
      • FDIC April 2014 Tools to Manage Technology Providers Informational Brochures
      • OCC October 2013 Third Party Relationships
      • FRB December 2013 Guidance on Managing Outsourcing Risk
    • Classification and Risk Rating criteria
    • Required Program elements and essentials
      • Responsibilities
      • Needs Assessment
      • Due Diligence/Selection
      • Contracting
      • Risk Assessing
      • Oversight
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  • TRID for Construction Loans

    Nov 20th, 2018
    10:00am - Noon
    TRID for Construction Loans

    Presented by Jack Holzknecht
    Tuesday, November 20th, 2018
    10:00 am - 12:00 pm CT

    • When and why construction loans are covered by the TRID rules;
    • How to complete the loan estimate and closing disclosure for:
      • Construction only loans
      • Combined construction/permanent loans (both one-close and two-close); and
      • Permanent financing that replaces construction financing.
    • How to properly estimate interest on a construction loan;
    • The impact of a construction only loan versus a lot purchase/construction loan;
    • When to disclose "Sales Price," "Estimated Value," or "Appraised Value;"
    • How to determine the proper "Purpose" of the loan;
    • How to properly describe the "Product;"
    • The proper disclosure of projected payments;
    • How to properly disclose inspection fees;
    • How to disclose undisbursed construction funds;
      • Completing the "Cash to Close”, “Optional Alternative Cash to Close" and "Cash to Close" in the Borrower's Summary of the Closing Disclosure;
      • When the AP Table is needed and how to properly complete it;
      • How to complete the "In 5 years" disclosure for short-term construction loans;
      • When to include the "60 days prior to consummation" disclosure; and
      • Much more.

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  • Commercial Real Estate Lending: Cash Flow Analysis & Cap Rates

    Nov 26th, 2018
    1:30pm - 3:30pm
    Commercial Real Estate Lending: Cash Flow Analysis & Cap Rates

    Presented by Richard Hamm
    Monday, November 26th, 2018
    1:30 pm - 3:30 pm CT

    • 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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  • TRID Check Point - The 10/1/18 Rule Changes

    Nov 27th, 2018
    10:00am - Noon
    TRID Check Point - The 10/1/18 Rule Changes

    Presented by Jerod Meyer
    Tuesday, November 27th, 2018

    10:00 am - 12:00 pm CT


    • Determining “Good Faith” & the “Good Faith Effect"
    • Revised Loan Estimate & Closing Disclosure Rules
    • Multiple Advance Loan Changes
    • Shopping & Provider List Provisions
    • Revised Cash to Close Calculations
    • Tolerance Cure Options
    • All of This & Much, Much More!
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  • Agricultural Loan Documentation & Administration

    Nov 28th, 2018
    10:00am - Noon
    Agricultural Loan Documentation & Administration

    Presented by Robin Russell
    Wednesday, November 28th, 2018
    10:00 am - 12:00 pm CT

    • Risks of agricultural lending
    • Common agricultural collateral
    • Agricultural loan documentation
    • The Food Security Act of 1985
    • Agricultural financial statements
    • Statutory liens on farm products
    • Documents of title: warehouse receipts and bills of lading
    • Dealing with warehoused farm products
    • Commodity contracts
    • Crop and livestock inspections
    • Registered livestock
    • Farming operations on leased or mortgaged property
    • Crop and other insurance
    • Federal farm programs
    • Lending limits
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  • A Lender's Guide to Understanding and Assessing Commercial Real Estate Leases

    Nov 28th, 2018
    1:30pm - 3:30pm
    A Lender's Guide to Understanding and Assessing Commercial Real Estate Leases

    Presented by Robin Russell
    Wednesday, November 28th, 2018
    1:30 pm - 3:30 pm CT

    • Reviewing leases, lease summaries and lease abstracts to extract necessary data
    • Understanding the relationship between the Landlord and each Tenant
    • Evaluating potential conflicts between the Landlord’s Lender and a Tenant’s Lender (and their economic consequences)
    • Assessing the financial strength of the Tenant and any credit support for its lease obligations
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  • Top 50 Safe Deposit Procedures

    Nov 29th, 2018
    10:00am - Noon
    Top 50 Safe Deposit Procedures

    Presented by David P. McGuinn
    Thursday, November 29th, 2018
    10:00 am - 12:00 pm CT


    Answer:    (Y) YES (N) NO (NS) NOT SURE to review your internal procedures.


    _____ Can box keys be duplicated using silly putty and epoxy glue?
    _____ Will your part-time attendant make a good courtroom witness?
    _____ Are there at least ten items included in your new box renter's kit?
    _____ Are you aware that having box numbers on keys will create liability?
    _____ Are you following the ten necessary steps when granting box access?
    _____ Can FDIC/NCUA signs, logos or brochures create safe deposit liability?
    _____ Are you completing the required Beneficial Ownership of Legal Entity Form?
    _____ Are you providing a "No Insurance Disclosure Notice" to all new box renters?
    _____ Can you purchase locksmith tools on EBAY that will open boxes in seconds?
    _____ Do you know why you will lose a lawsuit if you leave anyone in your vault alone?
    _____ Do you require five types of identification from every signer on a new box contract?
    _____ Are you aware of your liability if box access is allowed "before or after" lobby hours?

    How did you do on the test?(This presentation addresses these issues and much more)

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