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    Reviewing Single/Multi-Family Appraisals for Mortgage Decisions

    Thursday, August 23, 2018 - 12:00 PM - 12:00 AM ET
    $149.00
    The average foreclosure costs a lender $60K. The mortgage markets have placed greater emphasis on ensuring the quality, integrity, and accuracy of appraisals and appraisal reviews. To determine if an appraisal provides a credible property value and if the appraisal report is acceptable, you need to be aware of key aspects of the appraisal and the appraisal review process. We will take a look at some of the common pitfalls in the appraisal process and best practices that help ensure quality appraisals.

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

    Tuesday, August 28, 2018 - 12:00 PM - 1:30 PM ET
    $149.00
    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. 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.

    Credit Scores Demystified: Unraveling FICO

    Wednesday, August 29, 2018 - 12:00 PM - 1:30 PM ET
    $149.00
    When you register for this program you will receive a complimentary Credit Scores Learning Workbook. Let’s face it, for many people credit scores are a mystery. Why does one consumer have a 700+ FICO with late payments and past collections when another consumer’s score, with clean payment history is 50 points lower? And why is the credit score we just pulled for a consumer so much different than the one they received this month from their credit card company? If you have these questions too you are not alone. In this course we are going to dive as deep as we can in an hour and one half, to unravel the mystery behind the FICO credit score. The information provided is invaluable which every employee who works with credit reports and consumers should have.

    12 Creative Collections Techniques for First-Party Debt Collectors & Creditors

    Wednesday, September 5, 2018 - 12:00 PM - 1:00 PM ET
    $149.00
    Collections Expert Mike Morley will teach you 12 innovative strategies for successful collections that he developed over the course of 25+ years in his in consumer and commercial credit and collections. This 60-minute workshop will teach you the best collections practices that took Mr. Morley more than two-and-a-half decades to learn! The Bureau of Labor Statistics reports that the debt collection industry will grow nearly 20% within the decade. Learning the ins and outs of successful collections techniques poses a daunting challenging for new and seasoned collectors for several reasons. First, the task at bar is an inherently difficult one: No consumer wants to hear from a debt collector, and many people actively dodge calls, messages, and other forms of contact. Simply getting in touch with the customer is itself an obstacle. Second, once contact is made, the discussion topic – debts—is an unpleasant subject that often makes people uncomfortable. In addition, once you have engaged the consumer in conversation, it is often hard to reach a viable debt repayment plan. Finally, the Great Recession has exacerbated the first two challenges of debt collections. Many consumers are struggling to manage debts that they would have been able to repay before September 2007. Lighter wallets, smaller incomes, and fewer "0,000s" in bank accounts make your job as a collector more challenging today than ever before. Challenging economic times require creative collections solutions. In this webinar, we will examine 12 innovative and unique strategies that will enable you to securitize the money owed to your institution. By taking advantage of every legal means available, these techniques highlight the importance of understanding and using your legal rights as a creditor to collect in full. This session will drive home the fact that "Creditors who hold security get paid first!"

    Commercial Loan Documentation

    Wednesday, September 5, 2018 - 11:00 AM - 12:30 PM ET
    $149.00
    Coming Soon

    Specialized Lending

    Tuesday, September 18, 2018 - 2:00 PM - 3:30 PM ET
    $149.00
    Lenders often become adept at financing unique types of borrowings, but as they penetrate a given area, this specialization also runs the risk of becoming a concentration. In today's market, several types of lending have become frequent specializations--agricultural lending, SBA lending, ABL lending, and energy lending.

    Commercial Loan Presentation

    Wednesday, October 24, 2018 - 11:00 AM - 12:30 PM ET
    $149.00
    Coming Soon

    ACH Rule Changes in 2017

    $99.00
    Each year, NACHA issues a new Operating Rules and Guidelines due to updates, new rules, and clarifications. This course reviews recent ACH Rules changes including Same-Day ACH and Third-Party Sender Registration requirements, and analyzes how various regulations, guidance and laws are affecting ACH processes and risk.

    CFPB 2 Year Agenda: Put Out Compliance Fires *Before* They Start

    $99.00
    President Trump has vowed to dismantle the Dodd-Frank Wall Street Reform and Consumer Protection Act and as a part of that process the Consumer Financial Protection Bureau (CFPB). While this has been on his radar for some time, the CFPB will be a part of our regulatory lives for the foreseeable future. The CFPB will continue to be a leader in setting regulatory priorities across the financial industry. This session is a forward thinking discussion that will explore what is on the agenda, what we can expect, and what these changes mean for us. We will also discuss the implications of President Trumps vow to dismantle the rules.

    12 Creative Collections Techniques for First-Party Debt Collectors & Creditors

    $99.00
    Collections Expert Mike Morley will teach you 12 innovative strategies for successful collections that he developed over the course of 25+ years in his in consumer and commercial credit and collections. This 60-minute workshop will teach you the best collections practices that took Mr. Morley more than two-and-a-half decades to learn!

    Commercial Real Estate Lending in Today’s Economy

    $99.00
    The commercial real estate market has its “ups” and “downs.” Prior to the “Great Recession,” many banks were heavily concentrated in this market. But as the market has started to recover, it is important that banks “cautiously” expand their commercial real estate loan portfolio. This requires an understanding of “commercial real estate” and the “loan transaction” process. Attend this Webinar to review the basics of “commercial real estate” including types of properties, environmental issues, and demand/supply in the “current” market.

    Credit Scores Demystified: Unraveling FICO & Understanding Credit Risk Factors & the July Changes

    $99.00
    When you register for this program you will receive a complimentary Credit Scores Learning Workbook. Let’s face it, for many people credit scores are a mystery. Why does one consumer have a 700+ FICO with late payments and past collections when another consumer’s score, with clean payment history is 50 points lower? And why is the credit score we just pulled for a consumer so much different than the one they received this month from their credit card company? If you have these questions too you are not alone. In this course we are going to dive as deep as we can in an hour and one half, to unravel the mystery behind the FICO credit score. The information provided is invaluable which every employee who works with credit reports and consumers should have.

    Negative Pledge Provisions in Loan Agreements

    $99.00
    Upon completion of this webinar, participants will be able to: (1) Identify common examples of negative pledge provisions in loan and security agreements.  (2) Understand and explain to borrowers why lenders want negative pledge provisions.  (3) Understand and explain to borrowers defaults and the borrower's ability to cure.  (4) Understand helpful hints in drafting and documenting negative pledge provisions.

    Managing Accounts and Records for Non-Resident Aliens: Opening, Identifying, Monitoring, & Tax Reporting

    $99.00
    Dealing with nonresident alien accountholders adds another layer of issues to account opening, maintenance, and reporting. Since the USA PATRIOT Act, Customer Identification Program (CIP) law passed, opening these accounts and covering the required documentation and identification bases makes dealing with these accounts more challenging than ever. This issue is also a Bank Secrecy Act exam "hot spot" with the regulators as nonresident alien accounts are considered to be high risk. This session will address the following questions about procedures and your bank: What does the law say about identifying nonresident aliens? What type of identification is being used around the country to open accounts? What are the proper procedures for W-8 reporting? What role does Office of Foreign Assets and Control (OFAC) play in your new accounts procedures? If these questions have not been answered to your satisfaction in your bank this session is a must.

    Commercial Loan Structure, Documentation, & Compliance Training

    $99.00
    This proactive webinar provides 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.

    New CECL Approach to Determine Allowance for Loan & Leases

    $99.00
    This webinar summarizes the new accounting standard (ASU 2016-13, Financial Instruments – Credit Losses) for the determination of the Allowance for Loan & Leases (ALLL) – the new standard that replaces the incurred-loss model currently in use. This carefully presented overview should take away the mystique and in some cases the fear of the estimation (forecasting) requirements now required under CECL.

    Commercial Lending: How to Analyze Business Tax Returns to Enhance Customer Experience

    $99.00
    When you register for this webinar, you will receive a complimentary 5-part Toolkit. This webinar will provide the banker with several advanced tax return concepts and related analyses to help them more effectively work with their business customers.

    Advertising Compliance: Marketing Requirements for Consumer & Commercial Lending

    $99.00
    Upon completion of this webinar, participants will understand: • What regulations cover advertising for credit products; • What communications are considered “advertisements”; • What are triggering terms and triggered disclosures; • When the Member FDIC/NCUA and Equal Housing Lender logos are required; • Differences between advertising requirements for consumer and commercial loans; and • UDAAP issues surrounding advertising.

    Final TRID Rule Compliance

    $99.00
    This webinar is a one-stop shop for issues surrounding the TILA-RESPA Integrated Disclosure (TRID) rule. In this session, we will analyze the TRID rule and the CFPB's amendments to that rule. We will explore how the rule changes can impact your current business operations and identify key requirements that may cause confusion for your mortgage lenders. We will discuss guidance and other publications issued by the CFPB that will help facilitate your Institution's implementation of the rule. We will also review mortgage lenders' obligations under the TRID rules to track and monitor tolerance levels.

    Agricultural Loan Analysis During Challenging Times: Indicators of Problems Ahead

    $99.00
    Upon completion of this webinar, participants will be able to: • Understand of the circumstances leading up to current loan repayment problems • Recognize the benefits of preparing an income statement in addition to a projected cash flow statement for agricultural operations • Understand the magnitude of the difference between net farm income calculated using the cash basis schedule F of the income tax return and accrual-adjusted net farm income • Learn how to access a “free” spreadsheet that can be used to prepare an accrual-adjusted income statement • Learn comparative data sources that can be used to assess financial performance • Learn the effectiveness of changes in operating strategies and loan terms on repayment capacity

    2018 Call Report Series: New FFIEC 041 Call Report Changes

    $99.00
    This is Part III of our IV-part 2018 Call Report Series. This session covers recent FFIEC #041 Call Report changes, and continuously difficult items for this Report.

    Cash Management: How Sales, Operations, and Technology Can Work Together to Generate More Fee Income

    $99.00
    After attending this webinar, you will walk away with a deeper knowledge of Cash Management, conduct a risk assessment on any new products, and bring back ideas to your bank on how to market Cash Management products and services to your business clients. In addition, your team will also work better together knowing how critical each area is to the success of the implementation and sale of these products and services.

    New 051 Call Report: Changes Effective on March 31

    $99.00
    This webinar focuses on the proposed March 31, 2018 changes to the new FFIEC Form #051 Call Report for Small Institutions.

    Crafting Effective Loan Policies and Procedures

    $99.00
    Participants will understand what constitutes a well planned institutional loan policy that is in accordance with sound practices as well as regulatory requirements. You will also discover how to devise clear, precise, and meaningful procedures to audit the loan function.