With intense competition to capture loans, now more than ever it is important to have a strategic approach to loan pricing. This includes adequately covering your bank's costs and meeting profit objectives. It also includes differentiating loan interest rates to reflect relative risk, plus knowing that you CAN win the borrower's business on a basis other than the lowest price.
This session will cover seven strategic concepts. Along the way, we will demonstrate how to measure loan profitability and calculate the required rate of return on a loan. We'll discuss how to use the components of most loan pricing models to understand whe... (more)
What?During 2009 and 2010 Congress and the Federal Reserve Board made massive changes to the Regulation Z rules that regulate open-end credit. Since that time the Consumer Financial Protection Bureau (CFPB) inherited the regulation and has not made any additional changes to the rules. But questions and problems continue to plague those who offer open-end credit. By following basic procedures these concerns can be eliminated.
The rules for open-end credit require action before, during and after opening an account. Disclosures are required when opening an account, for each... (more)
Many supervisors and managers dislike giving employees needed feedback about surfing the internet, not following procedures correctly, criticizing other employees, or delivering poor customer service. Supervisors and managers fear employees will become defensive, or the result will be an unproductive and emotionally-draining argument. So feedback gets delayed, allowing costly work behaviors to continue.
Receive step-by-step guidance on how to give employees feedback to gain their cooperation to improve performance. Also learn two skills to resolve employee defensiveness if it occurs, and issues that are often behind it. Plus, learn h... (more)
As we continue our journey down the mountain, we come to the most abused terminology in IRAs. Everyone knows you can only do one rollover from your total IRA plans in a 12 month period – right? But what does that once-per-12-month rule apply to – IRA rollovers? QP Rollovers? Conversions? As you can see below, this is a jam-packed informational Webinar.
Your bank is unique so your Strategic Plan should be unique as well. Too often, bank executives and directors will construct a strategic plan from old plans, strategies found online or just brainstorming based on emotion or intuition. Financial services, however, has become a much faster-paced industry than it was 15 or 20 years ago and is impacted by many more forces, challenges, competitors and opportunities than ever before. These drivers highlight the need for every bank or credit union to have a living, breathing strategic plan to thrive and grow.
Learn how to open multi-tiered business accounts. Complex business structures with multiple business entities owners present unique challenges in light of new Customer Due Diligence (CDD) rules. We will diagram and map out several complicated business structures and learn how to get the proper documentation, resolutions and beneficial ownership in these unique entities.
Lending is all about risk management. This seminar is designed to take the "mystery" out of the commercial lending process and the confusing terminology often used by lenders.
Support personnel have a key role and stake in the commercial and business lending process, and they can help to create a safe and sound loan portfolio. Many would say that support personnel are the backbone of a good leading team. This program takes the perspective of a non-lender, and what goes on during the process of analyzing and approving a loan, focusing on commercial and business loans.
Part III - IRA Distributions and Beneficiary Payout Options and Reporting
“Base camp, we have a problem!” Here is where our trip down the mountain starts to pick up some difficult maneuvers. I know the answer! I think I know the answer! I thought I knew the answer! Whether you are an IRA “rookie” or an IRA “pro”, you know you have probably had this feeling many times! Oh, that helpless feeling we get when an IRA accountholder asks us anything above the most basic IRA question. If you are searching for a Webinar where you will achieve that higher “c... (more)
The world of electronic banking continues to evolve and bankers want to keep pace with technology and customer preferences. Recent surveys indicate that 51% of adults in the U.S. bank online and 32% bank with mobile phones. Customers expect more digital access at a time that cybersecurity has become a significant threat. The recent “breach” of 143 million consumer credit reports last year has brought additional scrutiny to compliance with both cybersecurity and consumer protection regulations. What steps must be followed to be in compliance with E-Sign? What NEW steps should be taken to verify the customer’s identity in ... (more)
Regulation D, Regulation E, Regulation CC, Reg GG, Regulation DD
During this program we will cover some of the major issues that affect the compliance of your financial institution from these regulations. This program is designed for new deposit compliance officers and those who need a good review of each regulation and where the trouble spots are hiding.
In the past, opening a new account was as easy as giving the customer a toaster in exchange for his or her signature. Today, the process is much more complex. From the first moment of customer contact, FIs must adhere to numerous deposit compliance rules.
These in-depth compliance tasks are necessary for opening new deposit accounts, but the interview process can feel more like an inquisition to a potential accountholder. This Webinar will inform you about the deposit compliance rules and tasks your FI must follow and help you turn uncomfortable customer interviews into friendly and supportive conversations.
Attend this proactive webinar and receive a thorough overview of commercial lending requirements from a “loan” structure, documentation, and compliance perspective.
Basic “business” structure will be presented along with loan “structure” and loan “support.” Additionally, “commercial” lending issues relative to loan documentation will be reviewed. “Loan pricing” and “monitoring” will also be covered along with a review of current compliance issues.
The webinar will be summarized through a comprehensive case study.
In a sense, servicing consumer mortgage loans has always been a bit of the "wild west" of compliance, meaning there was little in the way of rules and regulations. But thanks to the financial crisis and resulting exposure of unsavory practices, rules were put into place by the Dodd-Frank Act. In addition, the CFPB just issued regulations that further the requirements mortgage servicers must follow.
These rules include many "standard" requirements dealing with periodic statements and escrows, for example, but most of the requirements focus on how servicers deal with distressed borrowers - from mandating "early intervention" and ... (more)
Given today's changing and hectic banking industry, maintaining work-life balance is even more challenging. In fact, a recent study indicated that a higher percentage of managers and employees reported that it is getting tougher to manage their work-life balance.
This webinar provides practical strategies and techniques that can be used immediately.
This program provides information not just on what records you should keep and for how long, but on the several underlying and even more important issue of record creation, storage, and the DON'Ts which create the major liabilities.
Human Resources, payroll, safety, and auditing professionals have ongoing questions about what employment records are required to be retained, and for how long. However, this is only the start of the issues. The legal requirements and employer liabilities go far beyond these simple issues.
If you are unable to attend this popular bank compliance school November 5-8, here's your chance to learn from the nation's top compliance experts at your own convenience. You'll enjoy unlimited OnDemand playback access for six months. You also have the option to enjoy the school as it happens, via live streaming video. You can purchase the entire school or just one module, the choice is yours!
Are you as knowledgeable and aware of the latest compliance issues, changes and concerns as you could be? Is compliance handled expertly in all areas of your institution? Has your ... (more)
What?The world of HMDA changed dramatically on January 1, 2018. The final rules implementing changes to Regulation C required by the Dodd-Frank Wall Street Reform and Consumer Protection Act were generally effective on that date.
The modifications to HMDA were massive and many financial institutions are still dealing with the challenges of collecting data under the burdensome new requirements. This program provides the top 15 issues that may have been overlooked when implementing the new HMDA requirements.
Why?This two-hour webina... (more)
Loan information on the Call Report provides critical credit information for regulators, especially in today's environment. The rules for coding loans reported on Schedule RC-C dictate how loans are to be reported on all loan schedules in the Call Report, 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. Learn when to code the loan based on borrower, when to code based on collateral, and when to code based on purpose. In addition, this webinar will cover the four risk-based capital categ... (more)
In this unique webinar, Anne Lolley will provide an overview of federal compliance laws. This is a great training tool for newer lenders and processors, and the webinar will help even experienced bankers understand the source of the various requirements.
All information in the webinar will be clearly-documented in a colorful and user-friendly handbook. This is a wonderful resource manual - lenders, loan processors and compliance officers will refer to this booklet time and time again. In addition to providing compliance summaries, the booklet offers specific cites to help readers locate rules, as well as a detailed, alphabetical inde... (more)
We patch outdated operating systems, vulnerable software programs, and firmware on hardware devices, but how do we patch people? Hardware and software programs generally do as they are instructed, but people do not and can easily fall victim to social engineering attacks. Education and training can be our process to patch our people. During our session, we will explore traditional ways education has been deployed and look to improve those processes with more advanced and effective methods of patching our people. We will also look at best practices for addressing similar issues with business customers and highlight common educational practi... (more)
This program covers important legal issues and concepts which must be understood and consistently applied to enforce the Bank’s liens and other legal rights, avoid litigation and better serve customers. The goal is to provide an opportunity to learn or confirm your understanding of a variety of legal issues lending personnel deal with daily.
The program will provide ample opportunity to ask questions. Participants are encouraged to bring their own list of topics to be discussed or to submit them in advance to firstname.lastname@example.org.
This program covers the risks and rewards of loan participations to both the lead bank and the purchasing bank. Attendees will gain a thorough understanding of Participation Agreements.
A participant's checklist for a well-drafted Participation Agreement will be reviewed, and administration of the participated loan will be discussed.
For Bank Managers: Does Your Bank (or Credit Union) Have a No Excuses Sales Environment?
“I didn’t make my calls this week because of all the Ops problems.” Most Sales Leaders have heard some version of that recently. It is easy to accept this type of comment and let it ride, especially with a good producer. But if you do, excuse making can permeate your group. The foundation for creating a no excuses sales environment begins with leadership - how you set sales standards and then demonstrate, communicate and inspect a... (more)
Financial institutions are required to complete transactions for customers involving Power of Attorney documents. To protect your financial institution's interests when using these documents, it is imperative to understand the basic do's and don'ts. This presentation will provide financial institution personnel with best practices to use when dealing with these complex legal documents.
Workplace violence takes its toll - physically, emotionally and monetarily. How many people are currently contemplating committing an act of violence in the workplace? Preventing these acts is much preferred and more cost-effective than cleaning up afterwards. It’s essential that we train employees to recognize pre-incident indicators and report them before an act of violence occurs, but it is also critical to have a plan in place to respond should the unthinkable occur. We will analyze recent cases to identify unheeded warnings, and then identify physical security measures and procedures that either were not in place or were ignored. P... (more)