Source: https://financialedinc.com/a/ibc/category/lending
Timestamp: 2017-08-22 05:38:07
Document Index: 140780819

Matched Legal Cases: ['art 2', 'art 2', 'art 1', 'art 2', 'art 2', 'art 2', 'art 1', 'art 1', 'art 2', 'art 1', 'art 2', 'art 1', 'art 1', 'art 1', 'arts 2', 'art 2', 'art 3', 'arts 1', 'art 1', 'art 3', 'art 2', 'art 2', 'arts 1', 'art 1', 'art 2', 'art 1', 'art 2', 'art 2', 'art 1', 'art 1', 'art 2', 'art 1', 'art 1', 'art 2', 'art 2', 'art 1', 'art 2', 'art 1', 'art 1']

Lending Bank Webinars | Lending Bank Training
tuesday, february 7, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the cfpb’s tila/respa integrated disclosure (trid) requirements continue to cause confusion for mortgage lenders. specifically, many mortgage lenders have lingering questions regarding the trid tolerance levels and properly conducting the good faith analysis of fees and charges. this webinar will review mortgage lenders’ obligations under the trid rules to track and monitor tolerance levels. the training will analyze the increased difficulty presented by situations where multiple loan estimates have been issued and a lender needs to determine which fees and charges to use when performing the good faith analysis. lenders’ options and requirements for providing tolerance cures will also be addressed. attendees will learn trid tolerance levels, best practices for tracking fees and charges, and the required procedures for curing tolerances on the closing disclosure. continuing education: attendance verification for ce credits upon request highlights conducting the good faith analysis for tolerance violations examples of when a revised loan estimate can “reset” tolerance levels best practices for tracking revised disclosures and the appropriate fees for the good faith analysis providing tolerance cures via a lender credit on the closing disclosure post-consummation events triggering a tolerance cure and corrected closing disclosure take-away toolkit examples of tolerance violations and cure processes employee training log quiz you can administer to measure staff learning and a separate answer key don’t miss the other real estate series webinars! sign up for the entire series and receive 6 webinars for the price of 5! click here to learn more about the real estate series who should attend? this informative session is designed for mortgage lenders, compliance staff, and audit teams. having representatives from each department will ensure everyone is on the same page regarding the trid tolerance levels and required cures. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Steven Van Beek, Esq. Howard & Howard Attorneys PLLC
Recorded Webinar available until August 31, 2017
tuesday, february 14, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et verifying income from self-employed borrowers can be tricky. although the best place to find income is the borrower’s tax return, it only shows taxable income. borrowers don’t repay debt with taxable incomes – they use cash flow. overestimating income from a tax return can lead to approving a weak loan that could eventually cost your institution tens of thousands of dollars. underestimating income can cause denial of good loans. with this process and the free software that is included, you will learn an easy, reliable process to convert a borrower’s personal tax return (form 1040) into a cash flow statement. this session is designed for consumer and commercial lenders and will cover the first page of the form 1040: schedule a (itemized deductions), schedule b (interest and dividend incomes), schedule c (sole proprietorship incomes), and schedule d (capital gains and losses). (note: this method does not follow fannie, freddie, or qm rules used in mortgage lending.) continuing education: attendance verification for ce credits upon request highlights recurring versus nonrecurring incomes or loss qualifying and nonqualifying income from interest and dividends in schedule b determine pass-through interest and dividend income from partnerships or s corporations four forms of hidden income and one hidden expense in schedule c when to accept income from capital gains, installment sales, and other sales take-away toolkit free copy of lenders tax analyzer© software employee training log quiz you can administer to measure staff learning and a separate answer key don’t miss part 2! "qualifying borrowers using personal tax returns part 2: schedules e & f" on tuesday, march 14, 2017 who should attend? this informative session is designed for anyone in the lending area including chief lending officers, service representatives, sales staff, new accounts personnel, loan officers, loan underwriters, credit analysts, loan processors, branch managers, ceos, and other key lending staff. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Tim Harrington TEAM Resources
thursday, february 16, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et as of october 3, 2016, the military lending act (mla) expanded its coverage to banks. this is the first time that the mla has applied to banks. is your bank in compliance? don’t confuse the mla with the servicemembers civil relief act; they have completely different requirements. the penalties for a violation of the military lending act are severe – damages of not less than $500 per violation, plus punitive damages and attorney fees. this webinar will explain everything that needs to be done to comply with the mla. you’ll also learn the differences between the military lending act and the servicemembers civil relief act to ensure compliance with both. continuing education: attendance verification for ce credits upon request highlights which mla requirements apply to your financial institution? which servicemembers and dependents are covered by the mla? what are the required disclosures and when must they be given? how to qualify for the safe harbor provisions difference between the mla and the scra take-away toolkit model form of mla required disclosures fdic compliance examination manual for the mla employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for all lending staff, including loan officers, loan operations employees, credit administration personnel, managers, collectors, compliance officers, and attorneys. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Elizabeth Fast Spencer Fane LLP
Flood Compliance in Lending Part 1: Loan Origination
thursday, february 23, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the multitude of rule changes in recent years has created confusion about flood insurance compliance. in addition, failing to properly handle the numerous technical requirements can cause a breakdown in your process. this is a high-risk area for any lender – whether you have 6 or 60 loans on flood properties. civil money penalties are assessed almost weekly and examiners’ citations aren’t slowing down. mitigate your flood compliance risk by joining this webinar which will cover technical rules, disclosure requirements, initial escrow disclosure for flood insurance, loan origination compliance requirements, and faqs outlined by the cfpb. continuing education: attendance verification for ce credits upon request highlights what loans are covered? flood determinations: complete, accurate, and timely notice for flood properties – timing is imperative how much flood insurance is enough? what is required for the initial escrow disclosure? detached-structure rules faqs regarding flood requirements during loan origination agencies’ proposal on private flood insurance rules take-away toolkit sample flood procedures worksheet to determine whether you have sufficient insurance coverage audit checklist employee training log quiz you can administer to measure staff learning and a separate answer key part 2 still available! "flood compliance in lending part 2: post loan closing" thursday, march 16, 2017 who should attend? this informative session is designed for lenders, loan processors, compliance officers, and auditors. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Ann Brode-Harner Brode Consulting Services, Inc.
Recorded Webinar available until September 30, 2017
wednesday, march 1, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et finance charge miscalculations and other mistakes that result in annual percentage rate (apr) errors can be costly. proper procedures and reviews of the apr using the occ’s free aprwin software will reduce the chances of significant losses. this webinar will provide examples for many different types of loans, but will focus on mortgages. the software has some limitations – based more on the new trid mortgage disclosures than on the program itself. you will learn about the difficulties these disclosures create and how to approach them using aprwin, given the information not currently available directly on the closing disclosure. join us to learn how to recalculate an apr and how to handle disasters due to an error in the original calculation. this situation will often require rebates, and you will be taught how to calculate the amount owed. continuing education: attendance verification for ce credits upon request highlights the finance charge calculation – a brief review of regulation z rules aprwin basics for all loan types problems created by the trid closing disclosure what happens when there is an error? how to calculate rebates when aprs are incorrect take-away toolkit sample documents showing how to approach issues that may occur employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for staff who create or review consumer loan disclosures of all types, auditors, loan reviewers, and compliance officers. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Bill Elliott Young & Associates, Inc.
tuesday, march 14, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et part 2 of this series will cover schedules e and f, which are some of the most difficult incomes to analyze. rental properties can be looked at two different ways – one is often too conservative resulting in denied loans that should be approved. partnerships and s corps show pass-through incomes that are important to the irs and tax preparers, yet mean almost nothing when determining cash flow. farms often report income that was only partially taxable – or from a different tax year! this session for consumer and commercial lenders will teach you how to read and understand a borrower’s tax return and convert taxable income into cash flow. it will make the process of analyzing personal income tax returns simple and understandable by using quality instruction and frequent examples. (note: this method does not follow fannie, freddie, or qm rules used in mortgage lending.) continuing education: attendance verification for ce credits upon request highlights schedule e, page 1: rental and royalty income entails more than just adding back depreciation – learn how to find the real cash flow from these properties schedule e, page 2: partnerships and s corporations most information that is passed through is useless because it doesn’t represent cash flow – learn what income can be relied upon and what should be ignored as phantom income schedule f: farm income – additional income that might be hidden in farmers’ tax returns take-away toolkit free link to download lenders tax analyzer© software employee training log quiz you can administer to measure staff learning and a separate answer key part 1 still available! "qualifying borrowers using personal tax returns part 1: schedules a, b, c & d" tuesday, february 14, 2017 who should attend? this informative session is designed for anyone in the lending area including chief lending officers, service representatives, sales staff, new accounts personnel, loan officers, loan underwriters, credit analysts, loan processors, branch managers, ceos, and other key lending staff. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Tim Harrington TEAM Resources
Flood Compliance in Lending Part 2: Post Loan Closing
thursday, march 16, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et flood insurance requirements are important – and numerous. loan origination compliance requirements were covered during part 1 of this two-part series. but ongoing flood compliance post-closing is of equal importance and similarly regulation heavy, with many technical requirements. flood citations are not slowing down and examiners frequently assess penalties. this is a high-risk area for any lender, regardless of whether you have a handful or scores of flood loans. part 2 will explain how to ensure your procedures are compliant with ongoing flood requirements. it will also address issues and faqs outlined by the cfpb. continuing education: attendance verification for ce credits upon request highlights monitoring and tracking flood insurance policies borrower notifications for flood-plain properties ongoing flood escrow requirements force-placement requirements preparing for your exam – how to know if you are ready faqs regarding flood requirements post loan closing take-away toolkit sample tracking spreadsheet sample force-placement procedures employee training log quiz you can administer to measure staff learning and a separate answer key part 1 still available! "flood compliance in lending part 1: loan origination" thursday, february 23, 2017 who should attend? this informative session is designed for lenders, loan processors, compliance officers, and auditors. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Ann Brode-Harner Brode Consulting Services, Inc.
Securing Collateral Part 1: Form UCC-1 – Initial Filing & Perfection of Security Interests
thursday, march 23, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et filing a ucc-1 financing statement is the most common method used to perfect a security interest in collateral. but completing the form and determining the appropriate filing office can be tricky. are you doing it correctly? an improperly completed or filed ucc-1 will result in your institution’s loss of its perfected security interest. this webinar will explain how to properly obtain a security interest in collateral, and how to properly complete each section of the ucc-1 financing statement and where to file the ucc-1 financing statement in every type of consumer and commercial debtor situation. join us for this informative webinar to ensure your collateral is properly secured. continuing education: attendance verification for ce credits upon request highlights how to obtain a security interest in collateral determining the debtor’s proper name how to properly describe the collateral line-by-line review of the ucc-1 financing statement and how to complete each section review of the ucc-1 addendum and when to use this form where to file for every type of consumer and commercial debtor take-away toolkit official ucc-1 financing statement and addendum, including instructions employee training log quiz you can administer to measure staff learning and a separate answer key parts 2 & 3 still available! "securing collateral part 2: form ucc-3 & amending, continuing or terminating security interests" wednesday, april 26, 2017 "securing collateral part 3: legal & compliance issues in obtaining priority in collateral, including purchase money security interests" thursday, may 18, 2017 who should attend? this informative session will benefit all loan officers, loan operations staff, credit administration personnel, managers, compliance personnel, auditors, attorneys, and others involved in the credit process. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Elizabeth Fast Spencer Fane LLP
thursday, march 30, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et unfair, deceptive, or abusive acts or practices (udaap) continues to be one of the hottest regulatory issues and can be one of the most challenging areas to manage. the challenge is twofold. first, practices that were once considered acceptable are now being cited as significant violations and are often accompanied with large, public fines. in addition, udaap seems to be a moving target as patterns in newly discovered violations are rarely consistent. the result is that many financial institutions have a problem and don’t even realize it. therefore, it is imperative that every financial institution appropriately manage the risk of potential udaap violations. this presentation is designed to assist financial institutions uncover and mitigate udaap risk. you will learn the differences between unfair, deceptive, and abusive acts and practices. examiner expectations will be addressed by reviewing the current udaap exam procedures and other relevant guidance. in addition, the session will provide an overview of complaint management and case studies of cited udaap violations – plus guidance on conducting an internal udaap review. continuing education: attendance verification for ce credits upon request highlights understanding each udaap component (unfair, deceptive, and abusive) discovering potential violations regulatory expectations, including an overview of the exam procedures complaint management and udaap case studies with examples of cited violations conducting a udaap review take-away toolkit comprehensive manual explaining topics covered in the presentation step-by-step procedures for conducting your own udaap compliance review checklist of known udaap violations to compare to your practices employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for those responsible for identifying and mitigating udaap risk, including compliance officers, auditors, chief risk officers, chief operating officers, and senior management. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Adam Witmer Young & Associates, Inc.
thursday, april 6, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the cfpb adopted an overwhelming volume of changes to the mortgage servicing rules, effective october 19, 2017, and april 19, 2018. the most important changes relate to default and collection restrictions, successors in interest, mortgage foreclosures, and bankruptcy protections. this session will thoroughly explain the new changes to the mortgage servicing rules. it also will address early intervention, continuity of contact and loss mitigation procedures, and explain when small servicers are exempt. continuing education: attendance verification for ce credits upon request highlights which changes become effective october 19, 2017, and april 19, 2018 timing restrictions on mortgage foreclosures when lenders must provide loss mitigation options to borrowers more than once during the life of a loan expansion of the rules to cover a “successor in interest” including transfers caused by death, divorce, trust, or gift, and who qualifies as a “successor in interest” what notices aren’t deemed to violate the automatic stay in bankruptcy applicability of the small servicer exemptions to the new changes take-away toolkit model form of periodic statements for consumers in chapter 7 or 11 bankruptcies model form of periodic statements for consumers in chapter 12 or 13 bankruptcies employee training log quiz you can administer to measure staff learning and a separate answer key don’t miss the other real estate series webinars! sign up for the entire series and receive 6 webinars for the price of 5! click here to learn more about the real estate series who should attend? this informative session will benefit all mortgage loan officers, credit personnel, loan operations staff, compliance personnel, collection staff, managers, auditors, and attorneys. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Elizabeth Fast Spencer Fane LLP
Recorded Webinar available until October 31, 2017
tuesday, april 11, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et this webinar will provide an overview of managing troubled debt restructurings (tdrs) from initial identification to ultimate resolution. the ideal resolution is for the borrower to improve to the extent that no financial difficulty is demonstrated, the loan can be rewritten at market terms, and it is no longer identified as a tdr. join us to learn what is necessary before such action can be taken. you will also learn about many other tdr considerations, including determining the proper risk rating and accrual status, performing the impairment analysis, and charge-off requirements. in addition, this webinar will look ahead at what cecl (current expected credit loss model) means for how tdrs are considered in the allowance process, because cecl which will significantly change the alll process for all financial institutions. continuing education: attendance verification for ce credits upon request highlights keys to identifying tdrs and processes to ensure appropriate recognition of tdrs important accounting and regulatory guidance related to tdrs how risk ratings, accrual status, and charge-offs should be determined for tdrs what does the often-repeated statement “once a tdr, always a tdr” mean for financial institutions in 2017? proper impairment analysis and allowance estimation practices as they relate to tdrs insight on how institutions might handle tdrs under cecl take-away toolkit list of important accounting and regulatory references for tdr rules employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for lenders and staff responsible for credit administration, credit risk management, and accounting. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Tommy Troyer Young & Associates, Inc.
wednesday, april 12, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et enforcement actions and civil money penalties for lending violations can be expensive! this program will address how to develop a dynamic, risk-based loan audit program that can prevent violations and protect your financial institution’s reputation. learn which lending regulations apply, how to maximize limited time and resources, and how to implement effective corrective action. you will also learn how to use risk-assessment tools, develop a testing schedule, and determine the sample size for transaction testing. critical elements for testing key lending regulations, writing audit reports, and many practical tips for a successful deposit compliance program will be covered. continuing education: attendance verification for ce credits upon request highlights what are the benefits of using a risk-based compliance audit program for lending? how are loan audit risk assessments completed? what are the current hot buttons in loan audits and fair lending? five steps for a successful risk-based audit program how to determine the audit scope and frequency what are the eight elements of an audit program? what type of corrective action should be recommended in an audit report? take-away toolkit template for audit work papers based on loan compliance exam procedures sample checklists for selected lending regulations fair lending risk assessment template employee training log quiz you can administer to measure staff learning and a separate answer key don’t miss the other risk management series webinars! sign up for the entire series and receive 6 webinars for the price of 5! click here to learn more about the risk management series who should attend? this informative session is designed for compliance officers, auditors, loan operations, and risk managers. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Susan Costonis Compliance Consulting and Training for Financial Institutions
thursday, april 20, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the agricultural economic picture can challenge even the best lenders who are providing debt capital to agriculture and rural america. what are the global economic forces and mega trends that will impact profits and cash flows of farm/ranch businesses and suppliers providing products and services to the farms? what is the interest rate environment and what impact will the rise of rates, strength of the dollar, and oil and domestic economic environment have on agricultural customers and those that lend to agriculture? will land values continue to hold? what factors may result in a correction? what are the financial characteristics of high-risk customers? what are other factors that ag lenders need to monitor on the radar screen? special notice to registrants: to customize this webinar, registrants may submit up to two questions each concerning agricultural issues. questions will be addressed during the webinar in the order received, so submit your questions early! email your questions to dr. kohl at sullylab@vt.edu by monday, april 17th with “webinar questions for 04/20/17” as the subject line. continuing education: attendance verification for ce credits upon request highlights global trends and variables that will influence economics for 2017 and beyond summary of factors and variables that can be used as a dashboard for economic changes a new dashboard of financial factors that are often observed in resilient and growth-oriented customers, those in recovery, and vulnerable ones new discussion on burn rate on working capital and core equity answers to the most commonly asked questions dr. kohl receives take-away toolkit financial dashboard with calculations for resilience and growth, recovery, and vulnerable customers management dashboard for resilience and growth, recovery, and vulnerable customers checklist of questions for customers case example of new burn rate on core equity employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative program is a prime learning environment for experienced ag lenders, as well as new ag lenders, board members, management, and your customers (the growers and producers). please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Dr. David Kohl Virginia Tech
wednesday, april 26, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et a ucc-3 financing statement amendment is required to be filed in various situations, such as when the creditor needs to amend an existing ucc filing, continue an existing ucc filing, assign an existing ucc filing, and terminate an existing ucc filing. do you know when the ucc-3 form needs to be filed and how to properly complete the form? what about more difficult questions? is filing a ucc-3 to amend an existing ucc filing retroactive? can a ucc-3 be used to assign an existing ucc filing even though the debt is not assigned? must a ucc-3 be filed when the debt is paid in full? what happens when a ucc-3 is filed too late to continue an existing ucc filing? these and many other must-know questions will be addressed in this important webinar. continuing education: attendance verification for ce credits upon request highlights line-by-line review of ucc-3 financing statement amendment and the ucc-3ad financing statement amendment addendum with explanation of how to complete each section when to use these forms how to add or delete collateral on an existing ucc filing what to do when a debtor changes his/her/its name or address when termination of an existing ucc filing is required take-away toolkit official ucc-3 financing statement amendment, and ucc-3ad financing statement amendment addendum, including instructions employee training log quiz you can administer to measure staff learning and a separate answer key parts 1 & 3 still available! "securing collateral part 1: form ucc-1 – initial filing & perfection of security interests" thursday, march 23, 2017 "securing collateral part 3: legal & compliance issues in obtaining priority in collateral, including purchase money security interests" thursday, may 18, 2017 who should attend? this informative session will benefit all loan officers, loan operations staff, credit administration personnel, managers, compliance personnel, auditors, attorneys, and others involved in the credit process. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. Elizabeth Fast Spencer Fane LLP
thursday, april 27, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the dodd-frank act created a new world for mortgage servicing. while most lenders have incorporated the changes and continue to monitor the high-risk areas of real estate lending, there is an unexpected shift in the landscape. suddenly, the mortgage insurance aspect of lending has made new headlines. a dispute over a pmi violation resulted in a $100 million dollar fine that prompted the eventual court decision that the cfpb’s structure is unconstitutional. now, president trump has canceled a last-minute reduction in mortgage insurance premiums on loans backed by the fha, and pmi continues to be a high-value target of examination, complaints, and litigation. recent cfpb guidance and enforcement actions have shed new light on the expectations of the regulators. is your institution prepared for the increased focus? pmi is arranged by the lender for your protection and is provided by private insurance companies. the cfpb has gone to great lengths to recognize the good and bad within the pmi area. like other kinds of mortgage insurance, pmi can help borrowers qualify for a loan that they might not get otherwise. but, it increases the cost of the loan and it doesn’t protect them from problems. in some situations, the lender may not cancel the insurance when required or delay when a borrower requests cancellation. that is where the cfpb plans to act. the homeowners protection act of 1998 (hopa) provides additional homeowner protection when cancelling pmi. until now, it has been a relatively quiet compliance area. from inadequate settlement disclosures to faulty termination processes, the cfpb has been actively pursuing enforcement. this webinar will provide a full review of pmi and hopa requirements and will focus on the unique compliance challenges presented by cfpb’s recent guidance and enforcement actions. continuing education: attendance verification for ce credits upon request highlights best practices to manage pmi problems understanding pmi compliance requirements focus on termination and disclosure requirements interplay with other real estate lending regulations interpreting the recent cfpb pmi termination guidance analysis of recent litigation and enforcement actions take-away toolkit pmi examination guidance pmi risk assessment guidance employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for executives, senior management, audit committee members, and staff involved with compliance, real estate lending, collections, internal audit, and real estate lending and loan servicing. please note: webinar content is subject to copyright and intended for your individual financial institution’s use only. David A. Reed Reed & Jolly, PLLC
tuesday, may 2, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et since october 3, 2015, mortgage lenders have been under the cfpb’s tila/respa integrated disclosure (trid) requirements for applications. this operational experience has resulted in a certain comfort level with the trid disclosures. however, it is important for audit, quality control, and compliance purposes to review the numerous questions and uncertainties regarding how to properly complete the loan estimate. for trid, the first step to reducing compliance risk and minimizing tolerance violations is to ensure the loan estimate is accurate and complete. this webinar will examine the loan estimate line-by-line and pay particular attention to the differences in purchase, refinance, and home-equity transactions. additionally, the requirements for both fixed-rate and adjustable-rate mortgages will be addressed. sample and annotated model forms will be used to demonstrate disclosure requirements in specific situations. this training will revisit the specific disclosure requirements of the loan estimate and provide a refresher on formatting, rounding, terminology, and other content requirements. (note: a line-by-line review of the closing disclosure will be provided during the webinar mentioned below.) continuing education: attendance verification for ce credits upon request highlights line-by-line review of the loan estimate disclosure requirements loan estimate variations based on transaction specifics analysis of sample forms to demonstrate compliance tips for pinpointing regulatory sections for additional research and confirmation analysis of required calculations and disclosure obligations take-away toolkit guide for understanding loan estimate requirements sample loan estimate forms and annotated forms showing regulatory and legal citations employee training log quiz you can administer to measure staff learning and a separate answer key part 2 still available! "revisiting trid line-by-line part 2: closing disclosure" tuesday, june 6, 2017 who should attend? this informative session is designed for mortgage lenders, compliance staff, and audit teams. having representatives from each department will ensure everyone is on the same page regarding the loan estimate disclosure requirements. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Steven Van Beek, Esq. Howard & Howard Attorneys PLLC
wednesday, may 17, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the “new” hmda rules were announced on october 15, 2015, with a mandatory compliance date of january 1, 2018. the cfpb allowed financial institutions over two years to prepare for these changes. there are approximately 150+ business days from this presentation until january 1, 2018. there are very few parts of the existing rules that will remain unchanged – and there are 110 data elements in the new rule. will you be ready for these extensive changes? join us to learn more about the new rules and gain valuable tips to develop a successful implementation plan. continuing education: attendance verification for ce credits upon request highlights what data will your institution be required to gather and report for 2018 activity? what will be excluded? practical methods for collecting reportable data and documenting the exclusions overview of selected portions of the 110 points of data which definitions changed? when is a dwelling-secured loan or line included or excluded from reporting? how to properly request and record demographic information process for applicants to self-identify under subcategories for ethnicity and certain race categories what does the frontline need to know about these changes? expanded and revised pre-approval rules best practices for collection, reporting, and validating the data fields and potential problem areas regulatory guidance highlights and accuracy expectations technical change highlights, including the new data submission process take-away toolkit hmda fact sheet that summarizes key changes and tips for implementation hmda key dates timeline and coverage charts road map template for an implementation plan employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "revisiting your hmda policies to include comprehensive changes effective january 1, 2018" friday, august 25, 2017 who should attend? this informative session is designed for lenders, personal bankers, loan assistants and processors, loan operations staff, compliance officers, fair lending officers, it staff, and auditors. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Susan Costonis Compliance Consulting and Training for Financial Institutions
thursday, may 18, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et a lender must properly perfect its security interest to protect its lien priority in collateral. but did you know that not all perfection methods are legally effective for all types of collateral? this webinar will explain how to properly perfect a security interest in various types of collateral for consumer and commercial loans, including deposit accounts, stocks and mutual funds, equipment, inventory, accounts receivable, general intangibles, and farm products. it will also address situations when a ucc-1 financing statement, taking possession of the collateral, or obtaining a third-party control agreement are required for perfection. further, did you know it’s possible for a subsequent lender to obtain a priority security interest when another creditor already has an existing security interest in that collateral? many lenders are surprised when they learn they have lost their security interest to a subsequent lender which obtained a purchase money security interest. conversely, many prospective lenders have lost opportunities to make new loans because they don’t understand how to obtain priority over existing security interests. this webinar will explain the proper steps to obtain super-priority status with a purchase money security interest in collateral. continuing education: attendance verification for ce credits upon request highlights how to create a proper security interest in various types of collateral methods of perfecting the security interest – when is possession, filing, or third-party control required how to create a purchase money security interest with super priority what are the ucc article 9 requirements? common mistakes take-away toolkit checklist to obtain a purchase money security interest, including sample forms for notices that must be given to other creditors employee training log quiz you can administer to measure staff learning and a separate answer key parts 1 & 2 still available! "securing collateral part 1: form ucc-1 – initial filing & perfection of security interests" thursday, march 23, 2017 "securing collateral part 2: form ucc-3 & amending, continuing, or terminating security interests" wednesday, april 26, 2017 who should attend? this informative session will benefit all loan officers, loan operations staff, credit administration personnel, managers, collectors, compliance personnel, auditors, attorneys, and others involved in the credit process. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Elizabeth Fast Spencer Fane LLP
wednesday, may 24, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et post great recession underwriting is not the same as before. as a small- to mid-sized community bank, underwriting commercial loans in compliance with today’s regulations is a challenge. while regulators say the depth of analysis should be based on the complexity of the credit relationship, they are suggesting that the adequacy of underwriting includes evaluating financial risk, management risk, and business risk (which includes market risk). this risk analysis should include current position and a forward-looking analysis of sustainability (including stress testing). lastly, the webinar will briefly touch on the fact that there must be an awareness of how new deals fit into the bank’s risk appetite by reviewing the potential impact on risk-based capital, loan loss reserve, concentration limits, and portfolio liquidity. part 1 of this series starts with basic small business lending and what credit analysts and underwriters need to know and document – including understanding and reading financial statements. that said, a bank should strive for easy-to-use, timely processes. although procedures are to be risk-based, they may be streamlined based on perceived risk – but must have consistent application. continuing education: attendance verification for ce credits upon request highlights the lending function and foundation roles of lending personnel – loan officer, credit analyst, underwriter rules and regulatory guidelines, including safety and soundness requirements and equal credit opportunity act (regulation b) signature requirements joint policy statement on lending to creditworthy small businesses small business lending process loan request, information gathering, verification, documentation, and decision making underwriting, including the occ’s five keys to assessing underwriting and traditional c&i underwriting – the six cs of credit streamlining the underwriting process for low-risk loans understanding and reading financial statements differences between financial statements and tax returns proper classification of assets and liabilities into a financial analysis model understanding cash flow statements and business financial statements identifying potential credit problems take-away toolkit employee training log quiz you can administer to measure staff learning and a separate answer key part 2 still available! "credit analyst training part 2: analyzing financial statements" thursday, june 22, 2017 who should attend? this presentation is for beginning, intermediate, and advanced credit skill level staff, including credit analysts, commercial loan underwriters, commercial loan officers, loan review personnel, loan committee members, and credit risk management personnel. please note: program content is subject to copyright and intended for your individual financial institution’s use only. S. Wayne Linder Young & Associates, Inc.
tuesday, june 6, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et since october 3, 2015, mortgage lenders have been under the cfpb’s tila/respa integrated disclosure (trid) requirements for applications. this operational experience has resulted in a certain comfort level with the trid disclosures. however, to be in compliance, audit and quality control processes must be in place. the closing disclosure is complex and has transaction-specific requirements. while many lenders work with settlement agents to prepare and finalize the closing disclosure, trid places the obligation on the lender to ensure accurate and complete disclosures. the five-page closing disclosure contains numerous calculations, disclosures, and other information for borrowers – and a lender’s obligations can vary depending on the type of transaction or loan product. this webinar will examine the closing disclosure line-by-line and pay particular attention to the differences in purchase, refinance, and home equity transactions. additionally, the requirements for both fixed-rate and adjustable-rate mortgages will be addressed. sample and annotated model forms will be used to demonstrate disclosure requirements in specific situations. this training will revisit the disclosure requirements of the closing disclosure and provide a refresher on formatting, rounding, terminology, and other content requirements. (note: a line-by-line review of the loan estimate was provided during the webinar mentioned below.) continuing education: attendance verification for ce credits upon request highlights line-by-line review of the closing disclosure requirements closing disclosure variations based on transaction specifics providing tolerance cures via lender credits analysis of sample forms to demonstrate compliance tips for pinpointing regulatory sections for additional research and confirmation analysis of required calculations and disclosure obligations take-away toolkit guide for understanding the closing disclosure requirements sample closing disclosure forms and annotated forms showing regulatory and legal citations employee training log quiz you can administer to measure staff learning and a separate answer key part 1 still available! "revisiting trid line-by-line part 1: loan estimate" tuesday, may 2, 2017 who should attend? this informative session is designed for mortgage lenders, compliance staff, and audit teams. having representatives from each department will ensure everyone is on the same page regarding the closing disclosure requirements. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Steven Van Beek, Esq. Howard & Howard Attorneys PLLC
tuesday, june 13, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et special notice: new cfpb credit reporting guidance issued the cfpb recently issued a special edition supervisory highlights focusing exclusively on consumer credit reporting. from dispute resolution to furnisher data accuracy, the notice covers a wide range of consumer-protection concerns. taken from years of examination and complaint experience, the guidance is intended as a warning of increased regulatory scrutiny and rulemaking activity. in this heightened risk area, you can't afford to ignore these critical clues. this webinar will fully incorporate the new cfpb guidance and best practices. the credit reporting function has taken on added significance in recent years with increased borrower awareness of the power of the credit score, the rise of the cfpb, regulations and complaint tracking, and highly motivated plaintiff attorneys. credit reporting is one of the most cited consumer concerns and has therefore received extra attention from the cfpb, examiners, and consumer-protection attorneys. from policies and procedures to quality assurance and organizational charts, this essential function impacts every financial institution and there are some basic steps you can take to increase efficiency, reduce risks, and calm your compliance nerves. fortunately, the regulations, examination guidance, and hard-earned experience create a detailed model of a fully compliant credit reporting function – if you know where to look. this webinar will focus on the unique operational and compliance challenges posed by credit reporting disputes. from automated disputes, to direct disputes, and the gray areas in between, this session will provide a common-sense approach to fcra dispute compliance and management. join us to learn how to develop a clean and manageable credit reporting process. continuing education: attendance verification for ce credits upon request highlights updated sample credit reporting policy new cfpb guidance, key observations, and analysis examples of increasing credit reporting compliance risks breakdown of the credit reporting process optimal alignment for the credit reporting task critical steps to respond to credit report disputes create a plan for effective dispute management identify and avoid common compliance landmines take-away toolkit fcra examination guidance sample fcra policy sample credit report dispute resolution procedures sample response letters employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "conducting a collections risk assessment" wednesday, december 6, 2017 who should attend? this informative session is designed for senior executives, managers, compliance staff, lending staff, collections managers, frontline managers, internal auditors, and anyone involved with credit reporting. please note: program content is subject to copyright and intended for your individual financial institution’s use only. David A. Reed Reed & Jolly, PLLC
tuesday, june 20, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et fair lending and regulation b requirements for adverse action notification in mortgage lending can be very confusing. this webinar will cover the proper, timely handling of denial notices and address problem areas – and how to avoid them! inconsistent, inaccurate notices could cause your institution to be required to go back six months, review past notices, and resend accurate denial notices. (imagine the reaction of a past, unsuccessful borrower who receives a reminder denial notice!) also, examiners are turning up the heat on adverse action notices, so your staff must know the ins and outs of the compliance requirements. join us for this important session to learn how to navigate the denied mortgage loan requirements. continuing education: attendance verification for ce credits upon request highlights inquiry versus application – when does an inquiry become an application? fact act requirements for denial notices what are the requirements for incomplete or withdrawn applications? handling counteroffers common errors in completing adverse action notices second reviews of adverse action notices for fair lending purposes comparative file review for fair lending on denials take-away toolkit cheat sheet to help lenders understand what each denial reason on the notice means and which ones to use in different scenarios sample fair lending policy statement (that links adverse action and fair lending) employee training log quiz you can administer to measure staff learning and a separate answer key don’t miss the other real estate series webinars! sign up for the entire series and receive 6 webinars for the price of 5! click here to learn more about the real estate series who should attend? this informative session is necessary for all loan officers, loan processors responsible for denials, compliance officers, and auditors. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Ann Brode-Harner Brode Consulting Services, Inc.
thursday, june 22, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et financial statement analysis assesses a borrower’s financial risk and compliance with the bank's underwriting standards. this analysis goes beyond ebitda and evaluates operating performance and cash flow, debt repayment ability, liquidity, leverage, and profitability. it also focuses on the borrower’s risk/ability to meet cash demands within the operating cash-flow process or by using other cash resources, (i.e., investing revenue, financing resources, equity contributions, and global cash flow). the credit analyst must understand “external financing activities” – what outside sources were used and how much cash was obtained from each. this analysis determines whether a company can support additional debt. part 2 of this two-part series will address determining an operating entity’s ability to generate cash needed for: on-going operation of the business entity interest payments, current year cpltd, and shareholder dividends capital spending on plant, equipment, and other fixed assets continuing education: attendance verification for ce credits upon request highlights analyzing cash flow statements, including operating performance, investments, capital spending, and external financing analyzing repayment ability operating entity federal tax returns, schedule m-1: reconciliation of income, shareholder loans, rent, capital expenditures, etc. who and how much debt to include in global debt service coverage personal cash flow, including federal tax return schedules a, c, and e and pass-through income stress testing liquidity, leverage, and profitability analysis determining whether a company can support additional debt take-away toolkit employee training log quiz you can administer to measure staff learning and a separate answer key part 1 still available! "credit analyst training part 1: basic small business lending" wednesday, may 24, 2017 who should attend? this presentation is for beginning, intermediate, and advanced credit staff, including credit analysts, commercial loan underwriters, commercial loan officers, loan review personnel, loan committee members, and credit risk management personnel. please note: program content is subject to copyright and intended for your individual financial institution’s use only. S. Wayne Linder Young & Associates, Inc.
tuesday, june 27, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the cfpb adopted detailed amendments to the mortgage servicing requirements under regulation z (tila) and regulation x (respa). most amendments have a compliance deadline of october 19, 2017. this webinar will analyze the top 10 areas that mortgage servicers need to review, analyze, and adjust (if necessary) by that deadline. topics will include the cfpb’s definition of delinquency, requirements for communicating with delinquent borrowers, handling information requests, and changes to force-placed insurance notices. this training will also address which amendments are not applicable for institutions that qualify for the “small servicer” exemption. join us to learn about the changes effective october 19, 2017, and how to comply. (note: the compliance requirements with a deadline of april 19, 2018, will be briefly discussed, but this training will focus on the changes effective october 19, 2017.) continuing education: attendance verification for ce credits upon request highlights which changes are effective october 19, 2017? cfpb’s definition of delinquency cfpb’s clarifications regarding live contact with, and written notice to, delinquent borrowers changes to force-placed insurance notices expectations for handling information requests for loans owned by fannie mae or freddie mac review of the small servicer exemption take-away toolkit summary of the changes effective october 19, 2017 list of changes that apply to small servicers employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is directed to mortgage servicing staff, loss mitigation personnel, and compliance and audit teams. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Steven Van Beek, Esq. Howard & Howard Attorneys PLLC
wednesday, june 28, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et chapter 11 bankruptcies can move fast! what happens in the early days of a proceeding sets the tone for the entire case. your institution needs to be ready to act immediately to protect its interests. this webinar will explain the key aspects of a chapter 11 proceeding, including deadlines, using cash collateral, and the steps to take when your borrower files for chapter 11 bankruptcy. continuing education: attendance verification for ce credits upon request highlights key aspects, deadlines, and players in a chapter 11 case steps that all lenders should take when a borrower files chapter 11 post-bankruptcy use of cash collateral and debtor-in-possession financing bankruptcy sales, credit bidding, and the importance of valuation bankruptcy plan confirmation process common avoidance actions and how they may impact lenders take-away toolkit chapter 11 checklist to ensure you don’t miss a step list of chapter 11 key deadlines employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for all loan and collection personnel, including loan officers, loan operations staff, credit administration staff, managers, collectors, compliance officers, and attorneys. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Eric Johnson Spencer Fane LLP
thursday, june 29, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et it could happen today – one of your borrowers dies while still owing on a loan or other obligation to your financial institution. in this situation, you must act swiftly to increase the chances of collecting on the loan and to avoid liability. what should you do? this webinar will thoroughly explain the proper procedures and processes to follow when a borrower dies, including the best practices used by other institutions. continuing education: attendance verification for ce credits upon request highlights does death constitute a default under the loan? what if loan payments continue to be made by the deceased’s relative? is the deceased’s estate or surviving spouse liable for the loan? can you setoff the deceased’s deposit accounts for debts owed to your institution? what if a probate estate is never opened regarding the deceased? what are the special rules for home mortgage loans? take-away toolkit sample procedures for handling and collecting loans of deceased borrowers employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "when a depositor dies: next steps & best practices" thursday, november 9, 2017 who should attend? this informative session will benefit all loan officers, loan operations personnel, collection staff, service representatives, compliance personnel, auditors, attorneys, and managers. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Elizabeth Fast Spencer Fane LLP
wednesday, july 12, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the u.s. small business administration’s loan programs are great tools for lenders who want to offer more access to capital to small business customers. this government-guaranteed program has seen rapid growth with more lenders joining each year. however, getting started in sba lending can be a challenge for lenders unfamiliar with the federal regulations and sba loan procedures. this webinar will introduce this specialized lending program and provide an overview of the 7(a) and 504 sba loan programs. you will learn basic eligibility requirements for sba loan applicants and be provided with helpful resources that will allow your bank to start to underwrite, close, and service sba loans. come prepared to learn how to get your lending institution ready for a successful, compliant sba lending program. continuing education: attendance verification for ce credits upon request highlights sba loan products key factors in determining applicant eligibility avoid costly underwriting and closing mistakes insight on servicing and liquidating an sba loan take-away toolkit links to sba regulations and loan documents set of sba loan application documentation sba servicing and liquidation actions quick reference matrix employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "workout & liquidation of an sba loan" thursday, september 14, 2017 who should attend? this informative session is designed for business development and loan officers, underwriters, loan closers, administrators, and bank executives responsible for, or interested in, a deeper understanding of the sba loan programs. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Kimberly A. Rayer Starfield & Smith, PC
tuesday, july 18, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et getting escrow compliance right is very important to the borrower, your financial institution, and the examiners. compliance involves many requirements, including initial analysis and disclosure, annual disclosures, recordkeeping, and more. in addition, respa, tila, and flood regulations all address escrow. this webinar will review the entire escrow process and reveal common errors and examiner citations, which highlight the hot issues. checklists will be provided to ensure disclosures and statements are complete, compliant, and correct. continuing education: attendance verification for ce credits upon request highlights when does escrow apply under respa, tila (for high-priced mortgages), and flood regulations? initial analysis for proper escrow amounts how is escrow disclosed on the trid? what needs to be included in the initial disclosure and both annual and short-year statements? what should be done if there is a shortage, surplus, or deficiency? take-away toolkit the manual will be provided in procedural language to provide a template for your own escrow procedures audit procedures for escrow requirements sample checklists to test disclosure content employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for compliance officers, lending personnel, and auditors. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Ann Brode-Harner Brode Consulting Services, Inc.
monday, july 31, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the truth in lending act (tila) requirements have been in a constant state of change since before the dodd-frank act. recent years have seen drastic changes in mortgage (trid changes) and credit card compliance obligations (credit card act). those changes add confusion to consumer lenders’ day-to-day operations. for example, questions often arise whether tila changes impact the lender’s personal loans (closed-end or lines of credit), overdraft lines of credit, and vehicle loans, or otherwise require a procedure change. this webinar session will review and analyze the tila requirements for non-mortgage and non-credit card lending. disclosure requirements – including change-in-terms for open-end credit – will be analyzed. advertising requirements for both open-end and closed-end loans will also be covered. with all the tila changes in other areas, this training session will go back to the basics to address the tila and regulation z requirements for consumer loans. continuing education: attendance verification for ce credits upon request highlights tila disclosure obligations for both open-end and closed-end consumer loans change-in-terms requirements for open-end lines of credit billing error disclosure obligations (initial, annual, and alternative options) requirements for handling payments and credit balances trigger terms and additional disclosure requirements for consumer loan advertisements take-away toolkit model language for billing error disclosures advertising checklist for promotional rate offers for lines of credit employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for consumer lenders as well as operations, compliance, and audit personnel. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Steven Van Beek, Esq. Howard & Howard Attorneys PLLC
tuesday, august 8, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the real estate collateral valuation requirements for appraisers and financial institutions are complex. regulators are serious about the adequacy of appraisal and evaluation procedures and want to ensure compliance with current regulations and guidance statements. your staff needs a thorough understanding of the appraisal process and the appraisals received. this informative presentation will provide insights and address questions such as: are you ordering the right valuation document? does your evaluation document meet regulatory standards? when do you need a new appraisal? what are the collateral coverage requirements and what data should be captured on your core system? continuing education: attendance verification for ce credits upon request highlights regulatory expectations common appraisal examination findings noted in community financial institutions appraisal terms, definitions, and validation process basic appraisal and evaluation requirements, including transactions that require appraisals, appraisal exemptions, the useful life of an appraisal, and evaluation standards proper use and process for abundance of caution appraisal exemption and subsequent transactions tax assessment value document faqs about appraisals and appraisal requirements how are short-term renewals handled? what is required when taking additional collateral (second property pledged)? can appraisals be used on the same property, but with a different client? what options are there for a refinance with new money? primary elements of an appraisal program collateral coverage data to capture on core system take-away toolkit employee training log quiz you can administer to measure staff learning and a separate answer key don’t miss the other real estate series webinars! sign up for the entire series and receive 6 webinars for the price of 5! click here to learn more about the real estate series who should attend? this presentation will benefit all real estate lending personnel, including marketing and business development staff, lending officers, lending support staff, auditors, and loan reviewers. please note: program content is subject to copyright and intended for your individual financial institution’s use only. S. Wayne Linder Young & Associates, Inc.
Conducting a Fair Lending Risk Assessment
wednesday, august 16, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the cfpb continues to monitor complaints and issue fair lending enforcement actions. is your institution at risk? the time to detect a fair lending problem is prior to a federal examination. this program will focus on problems that are based on management’s lending approach, which create unintentional fair lending issues. you will learn techniques to determine fair lending risk levels. although these techniques don’t take much time, they are very effective in determining what your risk level may be and how to avoid enforcement actions and reputational damage. all techniques can be mixed and matched to create a customized risk assessment for internal use. continuing education: attendance verification for ce credits upon request highlights management and lending-process issues and their fair lending impact techniques to determine fair lending risk levels avoiding enforcement actions and reputational damage conducting reviews: general fair lending, pricing, race and ethnicity, and gender take-away toolkit employee training log quiz you can administer to measure staff learning and a separate answer key don’t miss the other risk management series webinars! sign up for the entire series and receive 6 webinars for the price of 5! click here to learn more about the risk management series who should attend? this informative session is designed for anyone with lending responsibilities, as fair lending issues are ever-present in the process. even if your responsibilities do not include reviews, the techniques presented will serve as a guide to your fair lending responsibilities. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Bill Elliott Young & Associates, Inc.
thursday, august 17, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the loan information presented as part of the call report allows examiners to review changes, trends, and concentrations in the bank’s loan portfolio during and between examinations. accurate and consistent loan reporting is important to the examiner’s perception of a bank’s overall credit quality. yet many bankers struggle with properly classifying loans in accordance with the call report standards. this session will focus on the basics of loan coding and reporting for the call report. continuing education: attendance verification for ce credits upon request highlights overview of the loan classification hierarchy for the call report properly identifying and classifying real-estate loans versus non-real-estate loans detailed review of loan categories including 1-to-4 family residential loans, owner-occupied versus non-owner-occupied property, construction loans, commercial and industrial loans, and other categories identifying and reporting high volatility commercial real estate (hvcre) loans overview of how loan classifications impact regulatory capital take-away toolkit employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "call reports: regulatory capital requirements" thursday, october 12, 2017 who should attend? this informative session is designed for call report preparers and reviewers, lenders, and loan administration staff responsible for providing information for the call report or to bank regulators. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Amanda C. Garnett CliftonLarsonAllen LLP
Revisiting Your HMDA Policies & Procedures to Include Comprehensive Changes Effective January 1, 2018
friday, august 25, 2017 8:00 am – 9:30 am pt 9:00 am – 10:30 am mt 10:00 am – 11:30 am ct 11:00 am – 12:30 pm et the effective date of the new hmda rules is right around the corner. it’s imperative that your institution understands the data field changes and is well on the way to defining the processes that will be used to capture the required information. but, have the related policies and procedures been developed or revisited? while the new exam guidelines have not yet been updated, the current guidelines repeatedly instruct examiners to review institutions’ policies and procedures for all phases of the hmda process. join us to learn about developing reasonable policies and procedures to guide your staff through the successful implementation of the extensive hmda changes effective january 1, 2018. continuing education: attendance verification for ce credits upon request highlights expectations for an effective hmda compliance management system policies, procedures, and processes... what's the difference? identifying internal and external business processes and policies impacted by the revised hmda what policies are specifically noted within the 2015 hmda small entity compliance guide? existing policies and procedures discussed within agency examination procedures lessons learned from the recent $1.75 million hmda fine issued by the cfpb effectively communicating new and revised policies and procedures take-away toolkit list of suggested hmda policies and procedures sample procedures that can be customized for your institution checklist to evaluate hmda policies and procedures sample hmda policy employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "countdown to the new hmda rules effective january 1, 2018" thursday, october 5, 2017 who should attend? this informative session is designed for loan operations staff, compliance officers, auditors, and anyone responsible for ensuring hmda compliance. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Molly Stull Brode Consulting Services, Inc.
wednesday, september 13, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et this webinar will provide a background on high-risk regulatory mandates and safety/soundness elements. you will learn about situations and transaction specifics that increase risk, and gain tips for creating a risk-based appraisal program. this program will focus on a series of appraisal review problems specific to high-risk transactions, as defined by the regulations. join us to gain greater insight into bidding, engagement, and review issues that can arise with high-risk transactions. note: this is an intermediate-level program. prior exposure to basic appraisal concepts, the general appraisal review process, and appraisal regulations will facilitate optimal understanding. continuing education: attendance verification for ce credits upon request highlights interagency appraisal and evaluation guidelines definition of high-risk transactions (hrts) best practices for vetting your institution's transaction risk process ideas for improving your institution's process for assessing and handling hrts non-transaction issues that enhance risk identified in the interagency appraisal and evaluation guidelines regulatory impact of hvcre transactions and the limited exemptions for adc loans to escape this designation tips for handling hrts within the appraisal function take-away toolkit guide containing regulatory references, greater insights into basel iii hvcre regulations, and more details on the case studies employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is suited to chief appraisers and appraisal managers; employees who bid and engage appraisers; commercial appraisal report reviewers; credit administration officers and chief credit officers; credit reviewers and other credit personnel; and cre lending group managers. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Heidi C. Lee Appraisal Review & Consultation
thursday, september 14, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the government guaranty is unquestionably the most important collateral for any sba loan. however, the ability of an sba lender to collect on the guaranty can be far from certain. the detailed, complex procedures for servicing and liquidating loans can be unwieldy. these procedures require lenders to take steps they may not ordinarily take with conventional loans. even when lenders have made all the right decisions regarding the servicing and liquidation of a loan in default, they may not document their actions sufficiently and in accordance with sba requirements. often these mistakes don’t come to light until the sba denies a guaranty purchase request or penalizes a lender with a repair to its guaranty. from the post-default site visit, through the wrap-up report and charge off, this webinar will review how to properly handle a workout or liquidation of an sba loan in default. continuing education: attendance verification for ce credits upon request highlights the first steps a lender should take when an sba loan goes into default considerations for loans sold on the secondary market determining when to work with borrowers and when to move straight to liquidation or litigation review of the various packages to be submitted to the sba and when that should occur top reasons why lenders are seeing denials and repairs of their sba guaranties take-away toolkit 7(a) guaranty purchase package tabs litigation plan tabs offer in compromise tabs care and preservation of collateral tabs 7(a) servicing and liquidation actions lender matrix employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "getting started with sba lending" wednesday, july 12, 2017 who should attend? this informative session is designed for bank employees who deal directly with loan servicing and the special assets department, loan officers, loan closers, administrators, and bank executives responsible for or interested in a deeper understanding of the sba loan programs and servicing and liquidation of sba loans going into default. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Lyndsay Rowland Starfield & Smith, PC
Managing a Residential Construction-to-Permanent Loan - Start to Finish
friday, september 15, 2017 8:00 am – 9:30 am pt 9:00 am – 10:30 am mt 10:00 am – 11:30 am ct 11:00 am – 12:30 pm et construction lending has many facets and requirements, from safety and soundness guidelines to compliance considerations. this can make residential construction loans difficult and risky. understanding the risks is essential, because many issues can arise during construction, leaving lenders highly exposed. this session will cover underwriting issues, compliance requirements, and special documentation needed for residential construction-to-permanent lending – from start to finish! checklists and sample policy language will be provided. continuing education: attendance verification for ce credits upon request highlights underwriting considerations (maturities, advances, ltv issues, appraisal guidelines, etc.) construction contract/agreement with the borrower compliance considerations for various scenarios, including single close/multiple close and single disclosures/multiple disclosures how to handle and document requests for advances, draws, and disbursements regulatory compliance (flood, trid, etc.) take-away toolkit sample policy language in the manual construction loan checklists sample loan estimate and closing disclosure completed for various scenarios employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for senior loan officers, loan officers, loan processors, compliance officers, and auditors. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Ann Brode-Harner Brode Consulting Services, Inc.
tuesday, september 19, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et examiners and auditors are concerned not just with an institution’s allowance level, but also with the adequacy of the process used to get to that level. subpar or poorly documented processes or methodologies may not always be criticized in good times, but they leave a significant opening for criticism if the economy or an institution’s credit quality starts to turn. this webinar will focus on practical recommendations for effectively documenting your institution’s approach to estimating the allowance. it will review considerations that should be incorporated into an effective methodology, but the emphasis will be on how an institution can effectively support and document the approach it has determined most appropriate for its portfolio. examiners and auditors give little or no credit for things that are not well-documented. they are also more likely to be comfortable with an institution’s allowance level if there is evidence that a reliable and well-thought-out process is in place. this presentation will also address how an institution can effectively document the work it is doing to prepare for cecl and, ultimately, support its choices for cecl implementation. continuing education: attendance verification for ce credits upon request highlights how your institution can effectively demonstrate that its allowance level is based on a "comprehensive, well-documented, and consistently applied analysis" of your portfolio developing an approach to documenting your overall allowance process that is both effective and efficient to update quarterly what to include in the documentation of your institution's individual analysis of impaired loans (the asc 310, formerly fas 114, portion of the analysis) how to support the subjective components of the allowance process – qualitative or environmental factors what and how to document the work necessary over the next several years to prepare for cecl take-away toolkit written manual discussing the material covered in the presentation summary sheet with important accounting and regulatory references related to the alll, cecl, and related documentation expectations employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "cecl loss estimation methodologies: using your bank’s data history to create workable options" thursday, november 2, 2017 who should attend? this informative session will benefit ceos, presidents, cfos, chief credit officers, chief risk officers, senior lenders, credit and risk staff, and all involved in the alll process or in preparing for cecl. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Tommy Troyer Young & Associates, Inc.
thursday, september 21, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et if used correctly, loan participations and syndications are beneficial to community banks. they can be used to increase growth and earnings, diversify credit risk, and deploy excess liquidity. if not used properly, however, loan participations and syndications can cause the institution to lose control over the lending relationship resulting in credit losses. this webinar will explain the differences between loan participations and syndications, and the benefits and pitfalls of each. it will review the important terms to look for in each agreement and explain the analysis your institution should use in determining which is the best solution in your situation. continuing education: attendance verification for ce credits upon request highlights differences between a loan participation, syndication, loan purchase, and assignment responsibilities of the lead lender in a loan participation as compared to a syndication responsibilities of the participant in a loan participation as compared to a syndication things to look out for in loan participations and syndications important provisions in the loan participation agreement and the syndication agreement how to determine which is best in your situation take-away toolkit fdic's advisory on effective risk management practices for purchased loans and purchased loan participations (november 2015) sample loan policy guidelines for loan participations and syndications employee training log quiz you can administer to measure staff learning and a separate answer key part 2 still available! "understanding loan participations & syndications part 2: documentation, servicing, administration & due diligence" thursday, october 19, 2017 who should attend? this informative session will benefit loan officers, loan operations personnel, credit administration staff, managers, compliance officers, auditors, and attorneys. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Elizabeth Fast Spencer Fane LLP
wednesday, october 4, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et the tila/respa integrated disclosure (trid) mortgage loan requirements continue to be a significant pain point for mortgage lenders. while examiners and auditors were initially looking for good faith compliance efforts, they are now requiring full compliance with even the most technical trid requirements. this means mortgage lenders – led by their compliance and audit teams – need to be prepared and ensure their disclosures and procedures are compliant. these compliance efforts must span the trid spectrum – including timing requirements, written lists of providers, tolerance levels and cures, as well as documenting the intent to proceed, changed circumstances, and confirmation of receipt of disclosures. in many cases, negotiation and responses to draft findings are as important as preparing for trid compliance exams or audits. the complexity of the trid requirements (as well as their applicability to a broad spectrum of products with varying terms) has the potential to result in incorrect or overstated exam/audit findings. with so many of the cfpb’s interpretations provided informally (e.g., in the preamble to the final rule, cfpb webinars, or other resources), the potential for differing interpretations has significantly increased. while a full review and analysis of the trid requirements is not possible, this webinar will provide answers to common questions and likely areas of examiner/auditor scrutiny. timing requirements, written lists of providers, and tolerance levels will be specifically analyzed. documentation and record retention requirements will also be addressed. continuing education: attendance verification for ce credits upon request highlights timing requirements for loan estimates, written list of providers, revised loan estimates, and closing disclosures review of tolerance levels and options for providing tolerance cures documentation requirements for intent to proceed, changed circumstances, and a borrower's receipt of required disclosures analysis of common questions and resources to assist in documenting compliance tips for pinpointing regulatory sections for additional research and confirmation take-away toolkit summary of definitions of "application" and the two definitions of "business day" summary of tolerance levels and examples of tolerance violations and cure processes resource with answers (and regulatory citations) to frequently asked questions employee training log quiz you can administer to measure staff learning and a separate answer key related webinars still available! "revisiting trid line-by-line part 1: loan estimate" tuesday, may 2, 2017 "revisiting trid line-by-line part 2: closing disclosure" tuesday, june 6, 2017 who should attend? this informative session is designed for mortgage lenders, compliance staff, and audit teams. having representatives from each department will ensure everyone is on the same page when preparing for or responding to a trid exam. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Steven Van Beek, Esq. Howard & Howard Attorneys PLLC
thursday, october 5, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et on october 13, 2015, financial institutions were put on notice that significant changes would be made to the home mortgage disclosure act (hmda). these changes modify the types of transactions covered and greatly expand the data collection process. this webinar will provide expert insight into the new rules and valuable tips for successful implementation. there are less than 60 business days from this presentation until the january 1, 2018, effective date. will you be ready? continuing education: attendance verification for ce credits upon request highlights which loan applications will and will not be reportable? heloc reporting will no longer be optional – loan types will now include lines of credit unique standards for consumer-purpose transactions and another set of rules for commercial-purpose transactions hmda reporting in 2018 will be a four-step process: is there a purpose exclusion? is the transaction secured by a dwelling? is the transaction an extension of credit? are there other exclusions that apply? detailed information on completing the lar (loan application register), which will be expanded to 48 data points – including 25 new fields data collection of demographic information, including 15 new subcategories of "disaggregated" information for ethnicity and race how to report when an applicant or co-applicant chooses to self-identify under the new rules changes to the submission process that include certain unique identifiers highlights of the cfpb hmda implementation tools and final rules (a proposal was made april 13, 2017, but not yet finalized as of august 1, 2017) tips to identify transactions and minimize reporting errors, penalties, and data resubmission take-away toolkit hmda key dates timeline and coverage charts hmda fact sheet that summarizes key changes and "tips" for implementation roadmap template to monitor implementation success employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "revisiting your hmda policies & procedures to include comprehensive changes effective january 1, 2018 " friday, august 25, 2017 who should attend? this informative session is designed for lenders, loan assistants and processors, loan operations staff, compliance officers, fair lending officers, it staff, and auditors. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Susan Costonis Compliance Consulting and Training for Financial Institutions
wednesday, october 11, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et financial institutions continue to struggle with issues surrounding adjustable rate mortgages (arm) and balloon payments. part of the issue lies in understanding the regulations. in addition, there is ambiguity with the regulations themselves. this webinar will address apr disclosures and recalculation, initial and subsequent arm disclosures, and how to comply with the requirements for these loan types – including changes in the recently released trid update. although there are unanswered questions regarding the loan estimate and closing disclosure, this webinar will address appropriate responses based on the existing and new regulation z/trid regulation. continuing education: attendance verification for ce credits upon request highlights how apr disclosures are calculated examples and instructions regarding recalculation of the apr to ensure it is correct (aprwin) regulatory text and commentary for all fields impacted by balloon loans and arm loans, including other portions of regulation z and the trid rules required changes to comply with the trid regulatory update, effective october 1, 2018 take-away toolkit employee training log quiz you can administer to measure staff learning and a separate answer key don’t miss the other real estate series webinars! sign up for the entire series and receive 6 webinars for the price of 5! click here to learn more about the real estate series who should attend? this informative session is designed for those responsible for balloon and arm loans, including management, lenders, compliance officers, and loan processors. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Bill Elliott Young & Associates, Inc.
thursday, october 12, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et with hundreds of pages of form instructions and many complex rules and definitions, both new and veteran call report preparers struggle to understand the regulatory capital requirements and prepare schedule rc-r. this session will be an in-depth look at regulatory capital, geared specifically to community bankers. it will include an overview of the regulatory capital rules, details on calculating capital ratios, and guidance on risk weighting bank assets and commitments. continuing education: attendance verification for ce credits upon request highlights overview of the basel iii standards and capital calculations how the capital conservation buffer impacts your institution answers to frequently asked questions regarding basel iii a deeper look at the key changes to risk-weighted assets residential and multifamily loans high volatility commercial real estate (hvcre) loans off-balance-sheet liabilities take-away toolkit risk-weighting guide employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "introduction to call report loan classifications" thursday, august 17, 2017 who should attend? this informative session is designed for call report preparers and reviewers, management, and board members responsible for overseeing the bank’s capital. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Amanda C. Garnett CliftonLarsonAllen LLP
friday, october 13, 2017 8:00 am – 9:30 am pt 9:00 am – 10:30 am mt 10:00 am – 11:30 am ct 11:00 am – 12:30 pm et the new uniform residential loan application (urla) brings significant changes to a document that has remained largely unchanged for nearly 20 years. it is a form the financial industry knows well and relies on every day. while these changes are expected to make the form more efficient and consumer friendly than the current version, there will likely be issues that should be considered throughout the implementation process. don’t be caught off guard by the significant changes to this document. although the industry is waiting for fannie mae and freddie mac to provide a new effective date, now is the time to start planning for implementation. join us for this line-by-line review of the new form and obtain implementation tips to ensure your staff is ready. continuing education: attendance verification for ce credits upon request highlights additional fields on the revised urla analysis of loan purpose and how it relates to hmda and trid implications for regulation b capturing information on multiple applicants how to handle collection of new disaggregated government-monitoring information implementation tips take-away toolkit cheat sheet to determine purpose for urla, hmda, and trid implementation action plan urla demographic addendum employee training log quiz you can administer to measure staff learning and a separate answer key who should attend? this informative session is designed for loan officers, lending staff, compliance personnel, and anyone who completes or relies on information documented on the urla. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Michael Brode Brode Consulting Services, Inc.
thursday, october 19, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et community banks are using loan participations and syndications more frequently. in some instances, insufficient documentation, servicing, administration, and due diligence in a loan participation or syndication can cause significant credit losses for your bank. you can’t simply rely on the work product of the other institutions involved. you must keep up-to-date on the most effective risk management practices for participations and syndications. this webinar will address all important aspects of loan participations and syndications, including proper documentation, servicing, administration, and due diligence. continuing education: attendance verification for ce credits upon request highlights review of loan participation and syndication documentation how to ensure the loan is being serviced properly determining whether the lead bank is properly handling its administrative responsibilities due diligence issues for loan participations and syndications how to best handle a loan default in a participation or a syndication situation take-away toolkit fdic's advisory on effective risk management practices for purchased loans and purchased loan participations (november 2015) sample loan participation agreement employee training log quiz you can administer to measure staff learning and a separate answer key part 1 still available! "understanding loan participations & syndications part 1: recognizing the distinction & determining the best solution" thursday, september 21, 2017 who should attend? this informative session will benefit loan officers, loan operations personnel, credit administration staff, managers, compliance officers, and attorneys. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Elizabeth Fast Spencer Fane LLP
wednesday, october 25, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et commercial loans carry the most risk and technical requirements, and therefore receive the most examiner scrutiny. this webinar is designed to go beyond the basics. it will provide a better understanding of protections and safeguards to implement when drafting loan and collateral security documents and underwriting the loan – and explain how to avoid the hazards. this must-attend webinar is for commercial lenders seeking more advanced training. continuing education: attendance verification for ce credits upon request highlights identifying parties to the loan. who needs to sign what? know who owns, guarantees, and is authorized/required to sign which documents. loan agreement covenants. when should more than boilerplate covenants be considered? perfection of security interest. different types of collateral (marketable securities, deposit accounts, life insurance policies, equipment and inventory, contracts or receivables, leases, etc.). title insurance policies. endorsements and exceptions. subordination agreements. when to get them, what is actually being subordinated (repayment priority, lien position), and when to ask for subordination of loans to shareholders. documenting commercial construction loans. compliance hot spots in commercial lending. take-away toolkit commercial loan documentation checklist commercial real estate documentation checklist employee training log quiz you can administer to measure staff learning and a separate answer key related webinar still available! "required compliance for commercial loans secured by real estate" tuesday, november 7, 2017 who should attend? this informative session is designed for commercial lenders, support staff, loan review staff, and auditors. please note: program content is subject to copyright and intended for your individual financial institution’s use only. Ann Brode-Harner Brode Consulting Services, Inc.
Working with Troubled Customers: Loan Extensions, Deferments, Re-Aging, Refinancing & Incentives
wednesday, november 1, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et further details will be available 45 days prior to the webinar date. continuing education: attendance verification for ce credits upon request please note program content is subject to copyright and intended for your individual financial institution’s use only. David A. Reed Reed & Jolly, PLLC
tuesday, november 7, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et further details will be available 45 days prior to the webinar date. continuing education: attendance verification for ce credits upon request please note webinar content is subject to copyright and intended for your individual financial institution’s use only. Susan Costonis Compliance Consulting and Training for Financial Institutions
CFPB’s TRID Amendments: Understanding the Clarifications & New Expectations
friday, november 10, 2017 8:00 am – 9:30 am pt 9:00 am – 10:30 am mt 10:00 am – 11:30 am ct 11:00 am – 12:30 pm et further details will be available 45 days prior to the webinar date. continuing education: attendance verification for ce credits upon request please note program content is subject to copyright and intended for your individual financial institution’s use only. Steven Van Beek, Esq. Howard & Howard Attorneys PLLC
tuesday, december 5, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et further details will be available 45 days prior to the webinar date. continuing education: attendance verification for ce credits upon request don’t miss the other bsa compliance series webinars! sign up for the entire series and receive 6 webinars for the price of 5! click here to learn more about the bsa compliance series please note webinar content is subject to copyright and intended for your individual financial institution’s use only. Susan Costonis Compliance Consulting and Training for Financial Institutions
tuesday, december 12, 2017 12:00 pm – 1:30 pm pt 1:00 pm – 2:30 pm mt 2:00 pm – 3:30 pm ct 3:00 pm – 4:30 pm et further details will be available 45 days prior to the webinar date. continuing education: attendance verification for ce credits upon request don’t miss the other real estate series webinars! sign up for the entire series and receive 6 webinars for the price of 5! click here to learn more about the real estate series please note webinar content is subject to copyright and intended for your individual financial institution’s use only. Steven Van Beek, Esq. Howard & Howard Attorneys PLLC