This is for Part 1 only. For series pricing, CLICK HERE.
Every single day the frontline handles routine matters that can cost your financial institution thousands of dollars if there is an error. For example, your teller may take deposits and fill out deposit slips for customers, but what will happen if the deposit goes into the wrong account and checks are bounced because of the teller’s action? What if an authorized signer on a personal account deposits his check into the account and it is returned? Ca... (more)
The past few years have seen significant developments in real estate appraisals and evaluation rules and regulations. Revised Interagency Guidelines and new rules under Reg Z have been issued, and we've seen additional requirements finalized recently due to Dodd-Frank. In some cases (called "flipping transactions"), lenders will even have to obtain two appraisals on the same property for one loan.
Because breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators have raised their expectations; lenders' appraisal and evaluation programs must include more elements than ever before. Some themes now em... (more)
Attend this proactive seminar to gain an understanding of the often complex and confusing topic of TAXES!
Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this seminar will concentrate on personal tax return analysis, and the second part will focus on analysis of various business tax returns.
2018 brings new and emerging BSA issues to the forefront for examinations. These issues will continue to challenge BSA professionals to stay ahead of the curve in managing risk for your entity.
The July 2017 TRID updates become mandatory on October 1, 2018. Do you have questions? Do you feel like you’re in need of a TRID check up? Well, you are in luck! We’ve put together a comprehensive two-hour TRID check-up webinar, which will translate, in plain English, requirements, interpretations, latest guidance and best practices.
What are your responsibilities and warranties?
The ACH Rules were written so the Originating Depository Financial Institution (ODFI) carried the origination responsibilities and warranties. As the ODFI, you pass those onto your Originators through a ... (more)
Incidents of workplace violence are on the rise. Employees make threats or do harm to co-workers or property. The results are sometimes catastrophic, yet often they could have been prevented.
Threats of violence require prompt, sometimes immediate, action, but many organizations aren't prepared. They don't have in place policies, training, or understanding of overall practices and processes that can prevent, identify, act and deal with the aftermath and crucial follow-up issues.
We'll review legal and practical issues related to workplace violence, including the ADA Direct Threat standards, and we'll address policies and best p... (more)
Every banker should have a fundamental understanding of the U.S. Bankruptcy Code and your bank's rights and obligations thereunder. This webinar will introduce you to the world of bankruptcy. It is designed for lenders and support staff with the goal of educating them on the fundamentals of both consumer and commercial bankruptcy law. Practical information for daily use will be provided.
Loan information on the Call Report provides critical credit information for regulators, especially in today's environment. Examiners are reviewing call report schedules in much more detail than in the past. The rules for schedule RC-C dictate how loans are to be reported on all loan schedules, including the income statement, charge-offs and recoveries, averages, and past dues and non-accruals. This webinar will help you learn the classification priority for reporting loan information correctly and will provide detailed information on correctly reporting unused commitments, interest rate lock commitments, and insider loans.
Construction loans for commercial real estate (CRE) remain a major part of commercial bank lending. Many community banks attempt to use versions of their residential formats and policies to administer commercial construction loans; however, this generally does not adequately control the situation due to several important differences between residential and commercial projects.
This program provides an overview of the key steps involved in effectively administering commercial construction loans.
We tend to think of business and agricultural loans as exempt from troublesome compliance requirements. But several compliance-related laws apply to commercial loans as well as consumer loans.
This colorful checklist, patterned after the popular Best-Ever Consumer Checklists, will guide bankers through those traps and ensure compliance. In addition to addressing compliance issues, this checklist (and the accompanying handout) will provide "best practice" suggestions and reminders that commonly apply to commercial loans. We'll include information on business-entity documentation, underwriting documents, guarantors and security inter... (more)
Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.
Carl Pry, a well known and highly respected compliance expert and recipient of the 2015 ABA Distinguished Service Award will be presenting a quarterly update that will address new items to be aware of, deadlines and what's on the horizon. In a simple language webinar format that you can view from you... (more)
Do your strategic goals for 2018 include increasing funded HELOC and/or Home Equity Loans? The recent increase in American homeowners’ equity represents a significant opportunity for community financial institutions to boost loan volume. This data-driven session will outline how a complete system of activities can help your financial institution dramatically grow consumer loan volume.
Analyzing Start-up Businesses has been designed to assist lenders and others who work with start-up businesses that are seeking financing for development projects. This program will emphasize how to properly review business plans and other information that is generated by start-up business ventures and what questions to ask of business owners, in both financial and non-financial topic areas. This program will use business plans and the information contained within them to demonstrate to lenders the ways in which they can analyze start-up ventures in order to make better credit decisions.
So much depends on the results of meetings, where managers spend so much of their time—and their company’s money. Yet most meetings end with unresolved issues, mired by vague agendas, dominating pontificators, complaining participants, unfocused presenters, and uncommitted facilitators.
Managing Meetings and Presentations, a fast-paced webinar, provides a systematic approach to preparing for, leading, presenting during, and following up on meetings: reflect, record, relate, respond, review, revise. In covering each of these critical R’s, you will discover key practices to enhance your... (more)
Buyers have changed. Bankers have not.
Cold-calling is history! Your bank clients now drive the buying process. From start to finish, buyers are online researching, gathering information, processing at their own pace and signing up for bank services in their own time.
Help your sales team learn how to attract and connect with today's banking clients by attending this live broadcast on Creating, Cultivating and Converting Sales Leads. Sales Managers and Leaders will receive several sales training tools to help teach salesp... (more)
Proper valuation of collateral is critical. Yet most people reviewing appraisals have never been properly trained in how to review this critical information.
On August 4, 2016 the Consumer Financial Protection Bureau (CFPB) published revisions to the Dodd-Frank rules for servicers. Most of the revisions took effect on October 19, 2017. The provisions relating to successors in interest and the provisions relating to periodic statements for borrowers in bankruptcy will take effect April 19, 2018.
The final rule clarified, revised, or amended provisions regarding:
Part One provides a through review of the Currency Transaction Report (CTR) process. We'll cover completing the form and proceed all the way to maintaining exemptions. Learn more about whom you can exempt and whom you cannot exempt. Learn how to complete CTRs with armored cards, aggregation of currency and many special issues on the CTR itself. Includes ten Hot Spots for CTR completion, as well as tips for avoiding examination issues.
Part Two provides a comprehensive review of the Suspicious Activity Report (SAR) process. How to complete narratives, common errors, and how to share with law enforcem... (more)
Criminals looking to buy or sell their illegal items have long depended on the black market to conduct their trades. With the evolution of technology, we have brought these markets to the internet. We will explore the different aspects of the internet, including the surface web, deep web, and dark web. The deep and dark parts of the internet allow criminals to exchange illegal goods and services, such as Silk Road. This site was designed to buy and sell drugs anonymously. Cybercriminals are also leveraging the web to buy and sell their stolen data or cyber products and services. Understanding how the internet is leveraged for crime gives u... (more)
Your customer passed away yesterday and the family is grieving. Yet, in the midst of all the remembering and honoring of a life, the legal and compliance clock is ticking. In most states, checks can be paid for 10 days after the date of death. However, ACH items cannot be paid once we know the customer is deceased.
When your deposit customer dies, many issues and questions arise. Who can have information on the account? Who owns the account? What has access to the account? What happens with powers of attorney and authorized signers on account? Can the spouse of the sole proprietor continue to access the account? What about that last ... (more)
This seminar is designed to provide the participant with a disciplined strategy for approaching the loan when it reaches the workout situation. We'll begin with a look at some early warning signs of an impending problem and then provide a step-by-step approach including what to do first, pitfalls to avoid, resources to apply, and various options faced by the lender or workout officer to develop and implement a successful workout strategy.
The date of this webinar has changed from its originally scheduled date of March 6th. The new date is March 19th, 2018.
Community Banks are often faced with construction loan requests that are underwritten by Consumer and Commercial Lenders who apply the same underwriting standards used for retail and commercial loans to Residential Construction Loans. The problem with this approach is that Construction Lending is a highly specialized form of lending requiring a different approach. It is actually Asset-Based Lending, whereby funds are advanced based on the successful completion o... (more)
On May 29, 2013, the U.S. Department of Treasury, along with several federal agencies, including the Social Security Administration, the Department of Veterans Affairs, the Railroad Retirement Board, and the Office of Personnel Management, published the Final Rule on the Garnishment of Accounts Containing Federal Benefit Payments. The final rule not only supersedes state laws pertaining to how financial institutions process garnishments, but will also apply to state tax levies and warrants.
This session will cover key lending consumer compliance regulations (highlights of the Equal Credit Opportunity Act, HMDA, Flood, RESPA, Truth in Lending, and Fair Credit Reporting). It will also include a Bank Secrecy Act overview outlining “Five Reasons Lenders Should Have BSA Training”. We'll review "what’s old, what’s new, and what’s to come".