Calendar of Events

  • Commercial Real Estate Lending: Cash Flow Analysis & Cap Rates

    Nov 26th, 2018
    1:30pm - 3:30pm
    Commercial Real Estate Lending: Cash Flow Analysis & Cap Rates


    Presented by Richard Hamm
    Monday, November 26th, 2018
    1:30 pm - 3:30 pm CT

    COVERED TOPICS
    • Cash flow or net operating income (NOI) concepts
    • Understanding key variables: vacancy, management fees and replacement reserves
    • The missing link: Using NOI along with a cap rate to estimate current property value
    • Moving from NOI to cash flow available for debt service (CFADS) and DSC
    • Stress-testing of debt service coverage (DSC) and loan-to-value (LTV) at transaction level
    • How to use a sample worksheet to explore the major issues, including stress-testing, demonstrated with a case example
    Register here
    More Details
  • TRID Check Point - The 10/1/18 Rule Changes

    Nov 27th, 2018
    10:00am - Noon
    TRID Check Point - The 10/1/18 Rule Changes


    Presented by Jerod Meyer
    Tuesday, November 27th, 2018

    10:00 am - 12:00 pm CT

    COVERED TOPICS

    • Determining “Good Faith” & the “Good Faith Effect"
    • Revised Loan Estimate & Closing Disclosure Rules
    • Multiple Advance Loan Changes
    • Shopping & Provider List Provisions
    • Revised Cash to Close Calculations
    • Tolerance Cure Options
    • All of This & Much, Much More!
    Register here
     
    More Details
  • Agricultural Loan Documentation & Administration

    Nov 28th, 2018
    10:00am - Noon
    Agricultural Loan Documentation & Administration


    Presented by Robin Russell
    Wednesday, November 28th, 2018
    10:00 am - 12:00 pm CT

    COVERED TOPICS
    • Risks of agricultural lending
    • Common agricultural collateral
    • Agricultural loan documentation
    • The Food Security Act of 1985
    • Agricultural financial statements
    • Statutory liens on farm products
    • Documents of title: warehouse receipts and bills of lading
    • Dealing with warehoused farm products
    • Commodity contracts
    • Crop and livestock inspections
    • Registered livestock
    • Farming operations on leased or mortgaged property
    • Crop and other insurance
    • Federal farm programs
    • Lending limits
    Register here
    More Details
  • A Lender's Guide to Understanding and Assessing Commercial Real Estate Leases

    Nov 28th, 2018
    1:30pm - 3:30pm
    A Lender's Guide to Understanding and Assessing Commercial Real Estate Leases


    Presented by Robin Russell
    Wednesday, November 28th, 2018
    1:30 pm - 3:30 pm CT

    COVERED TOPICS
    • Reviewing leases, lease summaries and lease abstracts to extract necessary data
    • Understanding the relationship between the Landlord and each Tenant
    • Evaluating potential conflicts between the Landlord’s Lender and a Tenant’s Lender (and their economic consequences)
    • Assessing the financial strength of the Tenant and any credit support for its lease obligations
    Register here
    More Details
  • Top 50 Safe Deposit Procedures

    Nov 29th, 2018
    10:00am - Noon
    Top 50 Safe Deposit Procedures


    Presented by David P. McGuinn
    Thursday, November 29th, 2018
    10:00 am - 12:00 pm CT

    WHAT YOU WIL LEARN:

    Answer:    (Y) YES (N) NO (NS) NOT SURE to review your internal procedures.

    Answers   OPERATIONS, LAWSUITS & LIABILITY ISSUES: 

    _____ Can box keys be duplicated using silly putty and epoxy glue?
    _____ Will your part-time attendant make a good courtroom witness?
    _____ Are there at least ten items included in your new box renter's kit?
    _____ Are you aware that having box numbers on keys will create liability?
    _____ Are you following the ten necessary steps when granting box access?
    _____ Can FDIC/NCUA signs, logos or brochures create safe deposit liability?
    _____ Are you completing the required Beneficial Ownership of Legal Entity Form?
    _____ Are you providing a "No Insurance Disclosure Notice" to all new box renters?
    _____ Can you purchase locksmith tools on EBAY that will open boxes in seconds?
    _____ Do you know why you will lose a lawsuit if you leave anyone in your vault alone?
    _____ Do you require five types of identification from every signer on a new box contract?
    _____ Are you aware of your liability if box access is allowed "before or after" lobby hours?

    How did you do on the test?(This presentation addresses these issues and much more)

    Register here
    More Details
  • How to Analyze the Purchase of an Existing Business

    Dec 3rd, 2018
    1:30pm - 3:30pm

    How to Analyze the Purchase of an Existing Business


    Presented by Vincent DiCara
    Monday, December 3rd, 2018
    1:30 pm - 3:30 pm CT


    COVERED TOPICS

    • Analyzing Historical Performance
    • Non-compete Agreements
    • Goodwill
    • Seller Financing
    • Asking the Right Questions
    Register here
    More Details
  • Developing and Documenting a CRA Assessment Area

    Dec 4th, 2018
    10:00am - Noon
    Developing and Documenting a CRA Assessment Area


    Presented by Jack Holzknecht
    Tuesday, December 4th, 2018
    10:00 am - 12:00 pm CT


    COVERED TOPICS
    • What is Open-End Credit;
    • Coverage and Exemptions;
    • General Disclosure Requirements;
    • Account Opening Disclosures;
    • Periodic Statements;
    • Subsequent Disclosure Requirements;
    • Treatment of Credit Balances; and
    • Billing Error Resolution
    Register here
    More Details
  • Basic Bankruptcy for Bankers

    Dec 4th, 2018
    1:30pm - 3:30pm
    Basic Bankruptcy for Bankers


    Presented by Robin Russell
    Tuesday, December 4th, 2018
    1:30 pm - 3:30 pm CT

    COVERED TOPICS
    • Talk the talk: Bankruptcy terminology
    • The basics of the Bankruptcy Court system and the role of the U.S. Trustee's office
    • An overview of the various chapters of the Bankruptcy Code (7, 9, 11, 12 and 13)
    • Setoffs and foreclosure sales: The automatic stay and what the bank can and cannot do after it goes into effect
    • Filing a proof of claim
    • Secured vs. Unsecured vs. Undersecured Claims
    • Exempt property
    • What debts of an individual can and cannot be discharged
    • The order or "priority" in which claims are paid in bankruptcy
    • The rules on Reaffirmation Agreements
    • Pursuing guarantors when a borrower files bankruptcy
    • Rejection of leases and executory contracts: how they can affect the bank's collateral values
    • Bankruptcy timetable and special rules for single asset real estate cases
    • Special protections afforded members of the armed forces under the Servicemembers Civil Relief Act
    • Preferences, fraudulent transfers and unauthorized post-petition transfers
    Register here
    More Details
  • IRS Information Reporting: Rules and Forms

    Dec 5th, 2018
    10:00am - Noon
     IRS Information Reporting: Rules and Forms


    Presented by Carl Pry
    Wednesday, December 5th, 2018
    10:00 am - 12:00 pm CT
     
    This description is from the December 2017 webinar. Please check back for a modified description. Topics may be updated, but registration is now open.

    COVERED TOPICS
    • Taxpayer Identification Numbers - soliciting them, reporting issues, mismatches from the IRS and what to do (includes truncation options)
    • Backup withholding - "B" notices: what to do and when
    • 1099 reporting - its many and various forms, from interest and dividend income, abandoned and foreclosed property, IRA distributions, debt cancellation, and miscellaneous reporting
    • 1099-C Discharge of Debt rule
    • 1098s - what amount is reportable here? How about points? What is a qualifying mortgage?
    • IRA reporting - 5498s and the 1099-R
    • Timing requirements for the various forms
    • Penalties for noncompliance and failure to file
    • Changes in reporting requirements for tax year 2017
    • The Foreign Account Tax Compliance Act (FATCA) - what it is and what you have to do about it
    Register here
     
    More Details
  • Loan Documentation 101: TWO PART SERIES

    Dec 5th, 2018
    1:30pm - 3:30pm

    Loan Documentation 101: TWO PART SERIES

    PART ONE
    Wednesday, December 5th, 2018
    1:30 pm - 3:30 pm CT

    Loan Documentation 101: Basic Secured Loan Documentation

    Learn about basic loan documentation principles and practices under Revised Article 9 for collateral.


    PART TWO

    Thursday, December 6th, 2018
    10:00 am - 12:00 pm CT

    Loan Documentation 101: Lien Perfection, Business Collateral

    Learn about specific classifications of collateral and language description requirements for UCC-1s and security agreements. Borrowing base certificates and other documentation topics will also be discussed.

    We'll also present collateral documentation checklists for intangible personal property such as instruments, investments, and deposit accounts, as well as aircraft, boats & vessels and motor vehicles.

    Checklists give lenders the ability to quickly and effectively review collateral documentation for acceptability and focus on the proper questions to be asked and answered related to each document and type of collateral.


     

    More Details
  • Loan Documentation 101: TWO PART SERIES

    Dec 6th, 2018
    10:00am - Noon

    Loan Documentation 101: TWO PART SERIES

    PART ONE
    Wednesday, December 5th, 2018
    1:30 pm - 3:30 pm CT

    Loan Documentation 101: Basic Secured Loan Documentation

    Learn about basic loan documentation principles and practices under Revised Article 9 for collateral.


    PART TWO

    Thursday, December 6th, 2018
    10:00 am - 12:00 pm CT

    Loan Documentation 101: Lien Perfection, Business Collateral

    Learn about specific classifications of collateral and language description requirements for UCC-1s and security agreements. Borrowing base certificates and other documentation topics will also be discussed.

    We'll also present collateral documentation checklists for intangible personal property such as instruments, investments, and deposit accounts, as well as aircraft, boats & vessels and motor vehicles.

    Checklists give lenders the ability to quickly and effectively review collateral documentation for acceptability and focus on the proper questions to be asked and answered related to each document and type of collateral.


     

    More Details
  • Excel 101: Introduction to Spreadsheets

    Dec 7th, 2018
    10:00am - Noon
    Excel 101: Introduction to Spreadsheets


    Presented by David Ringstrom
    Friday, December 7th, 2018
    10:00 am - 12:00 pm CT

    COVERED TOPICS
    • Gaining control of long lists of data by filtering instead of sorting.
    • Getting a jump start on spreadsheet projects by using free, prebuilt templates in Excel.
    • Mastering Excel’s order of operations for mathematical formulas.
    • Minimizing effort in Excel by only selecting cells when necessary.
    • Separating first/last names into two columns without using formulas or retyping.
    • Getting an overview of the different types of files you can create in Excel.
    • Using Text to Columns in any version of Excel to quickly separate city, state, and ZIP code into separate columns.
    • Managing cumbersome lists of data using the Table feature.
    • Learning how the Table feature allows you to transform filtering tasks.
    • Getting oriented with Excel’s grid of rows and columns.
    • Identifying duplicates in a list using Conditional Formatting.
    • Bringing Excel’s green error-checking prompts under control by managing the underlying rules.
    Register here
     
    More Details
  • Residential Construction Lending

    Dec 10th, 2018
    1:30pm - 3:30pm
    Residential Construction Lending


    Presented by Richard Hamm
    Monday, December 10th, 2018
    1:30 pm - 3:30 pm CT

    COVERED TOPICS
    • What is construction risk and how is it mitigated?
    • What additional due diligence is needed, beyond a conventional mortgage application and underwriting?
      • Full construction vs. repair/remodel
      • Construction contract and cost estimate issues (Description of Materials form)
      • Contractor credentials and qualifications
      • Plans and drawings
      • Survey
      • Title insurance
      • Appraisal issues
    • Loan pricing and structuring
      • Typical interest rate and fees
      • Construction loan agreements
    • Issues with draws and inspections, including cost over-runs and lien priority
    • How is the construction loan going to end (get repaid)?
    Register here
    More Details
  • Notary Public

    Dec 11th, 2018
    10:00am - Noon
    Notary Public


    Presented by Terri D. Thomas
    Tuesday, December 11th, 2018
    10:00 am - 12:00 pm CT

    This description is from the June webinar. Please check back for a modified description. Topics may be updated, but registration is now open.

    COVERED TOPICS
    • Basic Notary Public laws
    • Responsibilities of a Notary Public
    • Conflicts of interest
    • What happens when the law and the employer don't agree
    • Different types of notarial acts
    • Notarial liability and why notaries are sued
    Register here
    More Details
  • Quarterly Compliance Briefing: Winter 2018

    Dec 12th, 2018
    10:00am - Noon
    Quarterly Compliance Briefing: Winter 2018


    Presented by Carl Pry
    Wednesday, December 12th, 2018
    10:00 am - 12:00 pm CT


    Carl Pry, a well known and highly respected compliance expert and recipient of the 2015 ABA Distinguished Service Award will be presenting a quarterly update that will address new items to be aware of, deadlines and what's on the horizon. In a simple language webinar format that you can view from your office, Carl will make sure you have the information you need to keep your financial institution in compliance.

    Attendees love the handouts that Carl provides each quarter including a calendar and timeline of future expected regulatory updates.

    COVERD TOPICS COMING SOON.

    Register here
     

    More Details
  • Overdrafts

    Dec 12th, 2018
    1:30pm - 3:30pm
    Overdrafts


    Presented by Jerod Moyer
    Wednesday, December 12th, 2018
    1:30 pm - 3:30 pm CT

    COVERED TOPICS
    • The Overdraft Environment
    • The Latest Guidance, Best Practices & Expectations
    • The CFPB’s Overdraft Agenda & Research Findings
    • Regulatory Examination Feedback
    • Overdraft Hot Spots
    • Risk Assessments
    • Management & Frontline Oversight
    • UDAAP & Much More!
    Register here
    More Details
  • Information Security Program Frameworks

    Dec 13th, 2018
    10:00am - Noon
    Information Security Program Frameworks


    Presented by Chad Knutson
    Thursday, December 13th, 2018
    10:00 am - 12:00 pm CT

    COVERED TOPICS
    • Regulatory Requirements
    • Purpose of repeatable cybersecurity frameworks
    • Program Basics for a solid framework
    • Detailed explanation of framework components
    • Next steps for a comprehensive, valuable, repeatable framework
    • Making decisions with the framework
    • See new issues and technologies automatically handled by a solid framework
    Register here
    More Details
  • Preparation, Risk, and Critical Robbery

    Dec 17th, 2018
    1:30pm - 3:30pm
    Preparation, Risk, and Critical Robbery


    Presented by Arvin Clar
    Monday, December 17th, 2018
    1:30 pm - 3:30 pm CT

    COVERED TOPICS
    • Learn the various factors that contribute to the chance of robbery and how to mitigate them.
    • Establish steps to take during a robbery in progress.
    • Best practices for robbery response.
    • Key cues to look for in your staff following a robbery.
    Register here
    More Details
  • Regulation E Error Resolutions and Disputes

    Dec 18th, 2018
    10:00am - Noon
    Regulation E Error Resolutions and Disputes


    Presented by David Dickinson
    Tuesday, December 18th, 2018
    10:00 am - 12:00 pm CT

    COVERED TOPICS
    • Disclosures (Initial, Change in Terms & Periodic)
    • What is an EFT?
    • Consumer & Bank Liability
    • Investigation Time Limits
    • Resolution Requirements
    • How the Visa & MasterCard Rules fit in
    • Common Misconceptions
    • UDAAP Risks
    Register here
    More Details
  • Basic Personal and Business Tax Return Analysis

    Dec 20th, 2018
    1:30pm - 3:30pm
    Basic Personal and Business Tax Return Analysis


    Presented by David Osborn
    Thursday, December 20th, 2018
    1:30 pm - 3:30 pm CT

    COVERED TOPICS
    • Review the basic structure of the personal 1040 federal tax return (including the various schedules and K-1 forms),
    • Use analysis techniques to prepare a personal cash flow from information gleaned from the 1040 and the related schedules,
    • Discuss recent changes in the tax code including the “Tax Cuts and Jobs Act” (TCJA) and how they affect the bank’s clients, and
    • Describe how the 1040 tax return can be used to market the bank’s products and services.
    The second part includes:
    • Discuss the structure of a C corporation, S corporation, and Partnership (including LLC) tax return,
    • Analyze business tax returns and prepare cash flows for these entities,
    • Draw additional information from the business returns including identifying fraudulent tax returns,
    • Discuss updates in the tax code including the TCJA as they apply to businesses.
    Register here
    More Details