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    All Things Lending: Develop or Review Your Current Loan & Compliance Program

    $99.00
    *
    Financial institutions originate loans, purchase loans, acquire participating interests in loans, sell loans (or portions thereof), and securitize loans. Your bank's or credit union's credit exposure may be affected by external factors such as changes in interest rates, as well as internal factors such as changes inunderwriting practices. Many federal and state regulatory agencies have imposed numerous limitations and requirements on the lending activities of financial institutions.

    When you register for this webinar, you will receive a complimentary 12-page Internal Control Checklist (Questionnaire) 

    Overview

    Because lending activities generate the largest source of an institution's revenue and create the most significant component of an institution's assets, it is critical for you and your employees to thoroughly understand the lending function. This webinar will provide a comprehensive overview of all the activities within the lending function and the internal controls procedures generally used to obtain satisfaction that lending risks are properly identified, monitored, and controlled.

    To accomplish this objective, we will take an indepth look at specific loan policies, and review the procedures necessary to ensure your institution's compliance with the policies, which includes documentation required under law. Participants will learn what constitutes a well planned institutional loan policy. You will be able to identify safe and sound practices necessary to satisfy regulatory requirements.

    After attending this webinar, participants will be able to devise clear, precise, and meaningful procedures to audit or review your institution's loan function to ascertain whether internal controls are both adequate and effective. You will understand the four (4) categories of the lending process ((i) credit origination and disbursement; (ii) credit supervision; (iii) collection; and, (iv) loan review) and know why the management of loans and the evaluation of loan controls are valuable and is integral to your institution's Asset/Liability Management Strategy

    Because this course is a valuable primer for new employees, as well as a comprehensive refresher for seasoned lenders (e.g., loan accountants, loan control personnel, loan management, etc.), all persons involved in any phase of the lending function or the audit or review thereof should use this webinar to satisfy their corporate governance responsibilities more effectively and efficiently.

    Covered Topics:

    • Understand & Appreciate Why Management of Loans is Integral to Asset/Liability Management Strategy.  
    • Examine the Risks of the Lending Function and How to Internal Controls Lessen Those Risks by Evaluating & Managing Discuss Lending Function Best Practices for Compliance; Review Loan Categorization & Definition of Various Types of Loans; Develop an Understanding of the Four (4) Categories of the Lending ProcessReview Sample Loan Policies, and Required Documentation for Lending
      • Credit Exposure,
      • Ineffective Loan Underwriting Standards,
      • Excessive Concentrations of Credit Risks,
      • Inadequate Systems to Monitor Loan Performance,
      • Operational Risks, & Many More! 
    • Analyze Selected Internal and External Audit Issues, Including: Interest Rate Levels, Economic Conditions, Underwriting Practices, Risk Management Techniques, and Many More! 
    •  Internal Control Procedures in the Following Areas: Loan Approval & Disbursement; Loan Maintenance & CollectionTimely Record Management; and, an Environmental Assessment.
    • Loan Write-off Procedures and Loan-loss Provisions. This Includes an Examination of Common Problems Related to Such Procedures & Provisions
    • Identification of Exact Lending Policies Your Institution Needs, Including:  
      • Types of Loans "Allowed"
      • Established Lines & Limits for Loan Types & for Lending Personnel
      • Authorization & Approval Procedures
      • Loan Pricing Procedures
      • Loan Concentration Issues 

    Who Should Attend?

    This informative course is designed for:

    • All Auditors
    • Loan Accounting Officers
    • Loan Operations Officers
    • Loan Compliance Personnel

     

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    When you register for this webinar, you will receive a complimentary 12-page Internal Control Checklist (Questionnaire) 

    Overview

    Because lending activities generate the largest source of an institution's revenue and create the most significant component of an institution's assets, it is critical for you and your employees to thoroughly understand the lending function. This webinar will provide a comprehensive overview of all the activities within the lending function and the internal controls procedures generally used to obtain satisfaction that lending risks are properly identified, monitored, and controlled.

    To accomplish this objective, we will take an indepth look at specific loan policies, and review the procedures necessary to ensure your institution's compliance with the policies, which includes documentation required under law. Participants will learn what constitutes a well planned institutional loan policy. You will be able to identify safe and sound practices necessary to satisfy regulatory requirements.

    After attending this webinar, participants will be able to devise clear, precise, and meaningful procedures to audit or review your institution's loan function to ascertain whether internal controls are both adequate and effective. You will understand the four (4) categories of the lending process ((i) credit origination and disbursement; (ii) credit supervision; (iii) collection; and, (iv) loan review) and know why the management of loans and the evaluation of loan controls are valuable and is integral to your institution's Asset/Liability Management Strategy

    Because this course is a valuable primer for new employees, as well as a comprehensive refresher for seasoned lenders (e.g., loan accountants, loan control personnel, loan management, etc.), all persons involved in any phase of the lending function or the audit or review thereof should use this webinar to satisfy their corporate governance responsibilities more effectively and efficiently.

    Covered Topics:

    • Understand & Appreciate Why Management of Loans is Integral to Asset/Liability Management Strategy.  
    • Examine the Risks of the Lending Function and How to Internal Controls Lessen Those Risks by Evaluating & Managing Discuss Lending Function Best Practices for Compliance; Review Loan Categorization & Definition of Various Types of Loans; Develop an Understanding of the Four (4) Categories of the Lending ProcessReview Sample Loan Policies, and Required Documentation for Lending
      • Credit Exposure,
      • Ineffective Loan Underwriting Standards,
      • Excessive Concentrations of Credit Risks,
      • Inadequate Systems to Monitor Loan Performance,
      • Operational Risks, & Many More! 
    • Analyze Selected Internal and External Audit Issues, Including: Interest Rate Levels, Economic Conditions, Underwriting Practices, Risk Management Techniques, and Many More! 
    •  Internal Control Procedures in the Following Areas: Loan Approval & Disbursement; Loan Maintenance & CollectionTimely Record Management; and, an Environmental Assessment.
    • Loan Write-off Procedures and Loan-loss Provisions. This Includes an Examination of Common Problems Related to Such Procedures & Provisions
    • Identification of Exact Lending Policies Your Institution Needs, Including:  
      • Types of Loans "Allowed"
      • Established Lines & Limits for Loan Types & for Lending Personnel
      • Authorization & Approval Procedures
      • Loan Pricing Procedures
      • Loan Concentration Issues 

    Who Should Attend?

    This informative course is designed for:

    • All Auditors
    • Loan Accounting Officers
    • Loan Operations Officers
    • Loan Compliance Personnel

     

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    Presenter:

    Paul J. Sanchez

    Paul J. Sanchez, CPA, CBA, CFSA, CGMA conducts a small CPA practice in Port Washington, New York. He is also the owner of Professional Service Associates (PSA), a consulting and professional training and development business servicing corporate clients (auditors, controllers, etc.), CPA firms, professional associations and others. He was an assistant professor at Long Island University - C.W. Post Campus as well as an adjunct lecturer at City University of New York. Prior to starting PSA, he was the Vice President-Professional Development for the Audit Division of a regional bank and Director of Professional Practices and Vice President of a money-center bank, where he directed the professional practice development and training for internal auditors. He also was on the technical staff of the Auditing Standards and Examinations Divisions of the AICPA. He practiced public accounting in the New York office of Deloitte where he also was a firm recruiter and in-house professional development instructor. He was an owner and auditing and accounting seminar leader for the Person/Wolinsky CPA Review Courses, a company that prepared candidates to pass the Uniform CPA Examination. He is a frequent lecturer and seminar leader for accounting, auditing, banking, risk assessment and other professional presentations. He is the author of the textbook, “Accounting Basics for Community Financial Institutions” (Financial Managers Society, 2 nd edition, Chicago, 2009) and the “Ideas an Analysis Letter: The Sanchez Take” (see www.sanchez-psa.com). As a contributing author, his chapter on ‘An Auditor’s Approach to Risk-Based Auditing: What to Audit and When,’ is included in the textbook, “Effective Auditing for Corporates: Key Developments in Practice and Procedures,” (Bloomsbury Information, Ltd, London, 2012).