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Training Resources

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Total Training Solutions (TTS) is your source for high quality webinars and recorded training programs.  The program selection is unsurpassed and the choices include everything from compliance to customer service.  The live webinars are very easy to attend and the recorded programs give you the flexibility to watch them when it is most convenient. 

National speakers can now be heard right at your bank when you register for a webinar from TTS.  Click the link to see the list of training programs now available.

Click here for more information.

 

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Bankers Training & Certification Center offers NBA members proven training in a variety of formats to meet specific needs — all at a special discount. Our comprehensive library has over 450 titles covering topics such as: Compliance, Front Line, Security & Fraud, Customer Service, Sales, Management, Lending, Desktop Software, and more.

Training delivery formats from BTCC include video, DVD, print, intranet and online training. Online and intranet training solutions also offer robust administrative tracking abilities that simplify compliance reporting and deliver relevant, consistent training to all your employees. Discover how you can have effective, proven training delivered directly to your bank!

Click here for more information.

 

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Bankers Training Network

Bankers Training Network is literally the missing pieces in your training puzzle. It offers endless capabilities tied into a network of dedicated training professionals and product developers. All available to fill any missing piece you need to implement your
training solutions.

http://www.califprofdevel.com/bindex.html

 

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EDUCATION

 

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ABA Stonier National Graduate School of Banking

The new ABA Stonier National Graduate School
of Banking, the preeminent executive management school for the financial services industry, is
designed to develop leaders who are able to
compete in the 21st century.

The primary objectives of the school are
to provide you with the knowledge and
skills to recognize and solve executive management problems and to implement solutions.

With an industry undergoing such rapid change,
highly developed leadership skills are required
to meet the challenges and rapid changes
occurring in the industry.

Click here for more information

 

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Graduate School of Banking at Colorado

Multiple Dates Available

 

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Nevada Bankers Association is offering multiple delivery methods of Continuing Education in 2011 under our BankersED link.

We will be providing more live Webinars targeted to a more advanced audience in addition to new programs for our
current members.

Whether you are looking to supplement your current education plan or trying to save expenses, what better way to obtain high quality education and save money?

 

Tele-Web Seminars (Webinars) offer the opportunity to participate in Live Presentations and have Real-Time interaction with the seminar speaker(s).

Handout materials are available in
digital format.

You will be provided with a Telephone Number and PIN assigned specifically to them to access the call and
track participation

LEARN MORE...

 

CD-Roms are recordings of the Live
Tele-Web seminars.

All associated materials are provided on
the cd-rom.

This format allows you to add the course to your existing library of continuing education at your bank.

LEARN MORE...

 

Downloadable Audio (Podcast).

Take advantage of downloading your education to your computer and MP3 player.

You can listen to your seminar and follow along with the PowerPoint presentation in note-taking format. LEARN MORE....

 

Online Seminars are live Tele-Web Seminars that have been recorded and then put into a format to watch at your convenience.

Based on hectic schedules and having adequate coverage at the bank at all times, this method of delivery for Continuing Education had become very popular for
many reasons.

The program can be viewed at any time with 24 hour availability. You can watch a portion of the program and come back and pick up where you left off!

You also have the advantage of being able to review the program at will in case you need a refresher. Anyone at your branch can access the program from a computer using the login and password

LEARN MORE....

 

2012 Webinar Schedule

 

JANUARY 2012

 
  • Basic Cash Flow Analysis

    Webinar
    Tuesday, January 31, 2012
    8:00am - 10:00am Pacific Time

    Determining the ability of an entity to generate cash flow is essential whenever the repayment of a loan will extend beyond one year.

Cash flow analysis measures the ability of an entity to generate sufficient cash to operate the business successfully and have excess cash to service the annual debt payment requirements. Understanding how to calculate and interpret cash flow is essential for successful financial institution employees.

This course is designed to assist financial institution employees in calculating cash flow utilizing the Universal Cash Flow Analysis method (UCA), which is used often by financial institutions to determine the flow of cash into and out of a business entity.

The course will start by defining cash flow and identifying potential sources and uses of cash and then illustrating how cash flow analysis is actually the process of converting an Accrual Basis financial statement into a Cash Basis financial statement.

The Rules of Cash Flow will also be covered when determining cash flow generation from changes in asset, liability and capital accounts on the balance sheet over time.

The highlight of the course will be the calculation of a full UCA from the beginning to the end.

Each year, new ACH Rule amendments become effective and it is imperative that you are aware of these changes. You must take steps within your organization to ensure that your financial institution is compliant.

The ACH Rules Update webinar is designed to provide you with the latest amendments and updates to the ACH Rules.

Don't miss your opportunity to get a jump on recent changes and those that will take place during 2012. Take the steps to ensure your compliance!

     

February 2012 Webinars

 

Sometimes the simplest error or typo can create legal ownership, insurance and access issues for your accountholder.

If you do not sign the signature card on a joint account, it is not insured by either the FDIC or NCUSIF.

Or if you add notes to the cards or add signers after the fact, many times you can create liability for your financial institutions. When you open accounts, you are tempted to accommodate accountholder wishes and needs in ways that create liability for your financial institution.

These do's and don'ts may save your financial institution thousands of dollars in the future.

These 10 fundamental rules will keep your officers and your account representatives from creating liability and future losses on the deposit side of your organization.

  • Lending to Non-Profit Organizations

    Webinar
    Thursday, February 2, 2012
    11:30am - 1:30pm Pacific Time

    Non-Profit Organizations ("NPOs") are common in the marketplace for most financial institutions and may comprise a noticeable portion of a financial institution's loan portfolio.

NPOs can be grouped as being providers of a public benefit (museum, schools, hospital and civic groups) or provider of a mutual benefit (churches, trade or professional association, and clubs)

Since the ultimate goal of an NPO is having resources sufficient enough to meet its objectives of providing a social service or need, cash is more important than profitability.

As such, the skills required to understand and underwrite the risks involved in this type of lending is quite different from analyzing profit oriented organizations. For example, terminology commonly used to describe an NPO's operations and the accounts on the financial statements are unlike the terminology and accounts found on the financial statements of a traditional for profit organization.

This course is designed to introduce participants to the various types of NPOs and present appropriate methods of analyzing and lending to these types of entities. It will highlight a Religious Organization; a Private School, and a Non-Profit Service Provider.

  • Loan Documentation 101: Part 3: Reviewing Collateral Files

    Webinar
    Friday, February 3, 2012
    11:30am - 1:30pm Pacific Time

    Reviewing Collateral Files
    This session presents a unique collateral documentation checklist that gives lenders the ability to quickly and effectively review collateral documentation for acceptability. There will also be a brief discussion of loan agreements, their purpose, use, role and content.

    • The checklist focuses on:
    • The nature and proper name of the borrower
    • Authorization documentation for all kinds of borrowers
    • The proper questions to be asked and answered related to each document and type of collatera
  • Checks and Holds for Tellers: Part 1

    Webinar
    Monday, February 6, 2012
    9:30am - 11:30am Pacific Time

    Paying "on us" checks and accepting checks for deposit are routine decisions for banks. Both activities contain risks.

Those risks are governed and, in some cases, managed by a unique combination of state and federal law. The law governing checks is state law, the Uniform Commercial Code.

This webinar focuses on check handling. (It covers the model version of the UCC; it does not incorporate amendments made by any particular state.)

It is one of the few training programs that can pay for itself the next day by avoiding a loss on a bad check.

Highlights include:

    • Who are the parties to a check and what are their responsibilities?
    • Cashing checks at the teller window, what should we watch for?
    • Accepting checks for deposit, are the risks any different?
    • What are reasonable identification requirements?
    • Stop payments, what information do we need?
    • How soon must we return a check with a forged drawer's signature? Forged endorsement?

How to Prepare: review the account contracts/signature cards used by your institution before participating in this program.

Typically the safe deposit responsibilities are passed from employee to employee with very little understanding of the institution's liability.

Unfortunately, only after a lawsuit occurs does management turn their attention to this area. Ask yourself the questions outlined in the program HIGHLIGHTS.

If you're unable to answer them, this seminar will provide vital information to reduce your liability and hopefully avoid a potential lawsuit.

Regardless of the size of your safe deposit operation, this presentation provides a realistic and well-organized method of reviewing your procedures before a lawsuit occurs.

The presenter knows firsthand what to look for, from the most common errors to the not so common, but costly mistakes. This presentation will help you review many critical internal procedures.

  • Employment Law Challenges for 2012

    Webinar
    Tuesday, February 7, 2012
    11:30am - 1:30pm Pacific Time

    Increasingly complex employment regulations pose significant challenges to community banks with limited internal resources.

This program addresses both new requirements and the continuing compliance pitfalls with up-to-date information on best practices to manage HR compliance.

Highlights

    • A Big Year at the NLRB: non-union workplaces like banks must still comply with rules governing workers' rights, including new notice requirements.
    • Department of Labor's Wage & Hour Mission: while banks struggle to apply new interpretations of the overtime exemption, the DOL attacks the independent contractor classification.
    • Managing Attendance: Recently toughened, the Americans with
    • Disabilities Act requires banks to dialog with employees about time off work, reduced schedules and other accommodations -- even when FMLA leave is exhausted.
    • Retaliation: With the US Supreme Court's expansion of the definition of retaliation, EEOC charges have reached an all-time high. At the same time, the Dodd-Frank Act has focused attention on claims of retaliation against whistleblowers.
    • Social Media: Boon or Bain? Facebook can be a great marketing tool, and helps screen candidates for employment, but what can the bank do to prevent misuse of social media by employees?
  • Notary Public

    • Webinar
    Wednesday, February 8, 2012
    8:00am - 10:00am Pacific Time

Being a notary public is a responsibility assumed by many financial institution employees.

Unfortunately, most do not understand the personal liability assumed when agreeing to serve in this capacity.

This two hour webinar is designed to provide notaries with the best practices for dealing with issues that are unique to the financial industry.

This session is a way to make sure your team knows their responsibilities as well as basic laws, liability and reviews various notarial acts.

Balance sheets are among the most important types of financial information that potential (and current) borrowers provide to banks, credit unions, and other lenders.

This program will examine ten important things that every analyst and loan officer should look for when evaluating the information contained in balance sheets.

This program will demonstrate the ways in which lenders can be more successful in the loan process and will identify the most important questions that they need to ask their business borrowers.

At the end of this program, participants will be able to be more comfortable with knowing what to pay attention to when they analyze the balance sheet of a business.

The Dodd-Frank Act has expanded the topic to include Unfair, Deceptive or Abusive Acts or Practices (UDAAP).

The purpose of this program is to assure you are aware of the current status of the rules on this topic, to make you aware of the pending changes, and to provide examples of acts or practices cited by examiners.

Do you want your tellers to demonstrate professional maturity and balance, be accountable and on time, and excel at sales and service? Sounds good, doesn't it?

This program will focus on teller performance management - it's the key to the teller becoming motivated and responsible. Are you ready to learn how to work with the teller to create a performance plan that enhances what they do well and works on what needs improvement?

Traditionally, the role of the supervisor was to develop the plan, inform the employee of the goals and objectives and tell them how to meet them. The employee had very little input.

This best practice approach involves both the teller and the supervisor. Once the teller is made aware of the expectations and goals, the next step is for the teller to create a performance plan outlining how the goals will be met.

The supervisor's role in the planning stage is to act as an adviser to the teller. Once a plan is in place, a coaching schedule is established to address progress or the need for it.

What gets in the way of this process? Maybe you face resistance, lack of cooperation, old grudges and resentments. Or it could be an inexperienced supervisor or lack of time to dedicate to the process.

Tune in and learn how to take success to a new level - start coaching, stop hovering over the teller line!

Financial strength and ability to repay must be the primary focus of credit underwriting. However, analysis of personal financial condition is substantially different from financial information provided by business borrowers.

Case study exercises will help participants better utilize the information provided and the analysis techniques presented.


Highlights include:

    • Why analysis of personal financial information is increasingly important to consumer and commercial lenders
    • Personal financial information constraints and requirements
    • Analysis tools (Adjusted Net Worth) to more realistically evaluate financial strength
    • Determining debt repayment ability by analyzing individual cash flow using tax returns and other tools
    • Simple ratios which provide understanding of the borrower’s cash flow, liquidity and financial soundness.

The Story: Troy Evans pursued a career as a self-employed addict, drug dealer, gambler and thief for more than 15 years.

Ultimately, his disregard of values and discipline resulted in a 13 year federal prison sentence. Facing the obstacles, pressures and violence of prison life, he was determined that his time behind bars would not be wasted.

Today he is a speaker and consultant, sharing his story of endurance and personal transformation with audiences of all ages.

For nearly a decade now he has provided financial institutions with real-life insight surrounding robbery prevention, apprehension and recovery. He didn't go to bank-robbing school. He didn't read a manual or serve an apprenticeship. Like many of his peers, he was simply a natural at finding the path of least resistance.

Having met and interviewed over 300 bank and credit union robbers he is able to give us a "look into the mind of the enemy."

With the safety and soundness of the entire industry the focus of news stories every day and well-publicized enforcement actions, the regulators obviously haven't eased up. In fact, recent enforcement actions suggest risk assessments for BSA are still in focus. The rules are still very close to being the #1 issue facing compliance officers.

We'll talk about where the risk areas are in these rules, and where examiners are criticizing institutions. Your comprehensive program must be continually updated, and we'll make sure you have the information you need to meet expectations.

  • Checks & Holds for Tellers: Part 2

    Webinar
    Tuesday, February 21, 2012
    9:30am - 11:30am Pacific Time

    One of your institution's primary defenses against check fraud is its funds availability policy; i.e. the holds you place on deposited items.

This seminar focuses on Regulation CC, the federal regulation that addresses funds availability requirements. It covers situations that bank's face each day and reflects the changes made through the recent consolidation of the check processing regions.

The program focuses on the distribution of required disclosures, calculation of hold periods and the completion of hold notices. This webinar can pay for itself the next day by avoiding a loss on a bad check or regulatory criticisms for illegal holds.

Regulation CC is one of the few federal regulations incorporating a specific training requirement - the absence of training can be cited as a separate violation.

Highlights include:

    • How holds do, and do not, protect the institution
    • Reviewing the initial disclosure
    • Next day availability items
    • Case by case holds
    • Exception holds
    • Timing and content of hold notices

How to Prepare:

Review the Regulation CC or funds availability disclosure used by their institution before participating in this program.

Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.

  • 400,000 Reasons to get HMDA Reporting "Right" in 2012!

    Webinar
    Wednesday, February 22, 2012
    8:00am - 10:00am Pacific Time

    It's not over yet, but 64 banks supervised by the FDIC have been fined civil money penalties that totaled nearly $400,000 through September 2011 for HMDA reporting violations.

The fines ranged from $1,000 to $46,500 and the banks were located throughout the country.

What did they do wrong? How can you avoid these fines, penalties, and headaches? What does the HMDA data tell regulators about potential Fair Lending problems?

If your bank is reporting HMDA data in 2012, listen to this seminar and learn the basics for accurate HMDA data collection. Invest just two hours of your time and learn how to use the "HMDA Getting it Right Guide" and other tools that will help streamline your efforts and detect potential errors.

Tax returns can be a significant source of helpful information once the format, content and purpose of the many forms and schedules are understood.

This fast-paced seminar will help both consumer and commercial lenders better understand and use personal and business tax return information to make better, more confident loan decisions.

This program will improve your ability to evaluate cash flow and more fully understand the financial strength of an individual or company.

The information presented will also help you improve customer service, protect the bank and enhance career development.

Highlights include:

    • The difference between IRS tax return and Generally Accepted Accounting Principles (GAAP)
    • The most important questions to ask about tax returns for individuals, corporations and partnerships
    • Case study regarding Form 1040 and supporting schedules
    • Developing cash flow from a personal tax return
    • Evaluating a company's earnings and financial condition using a tax return
    • Limitations regarding the use of tax returns
    • Easy-to-use forms/worksheets.

The credit analysis process requires that a lender review a wide variety of financial information. This information includes profit and loss statements, which occasionally are the only financial information that borrowers provide to lenders.

This program will examine ten important things that every analyst and loan officer should look for when evaluating the information contained in profit and loss statements.

The objective of this program is to provide lenders with a simple checklist that they can utilize whenever they receive a business' profit and loss statement information.

At the end of this program, participants will be more comfortable with knowing what to pay attention to when they analyze the profit and loss statement of a business.

Two of the proposed changes would affect the March, 2012 Call report (for thrifts converting to the call report), but most of the proposed changes would be effective with the June, 2012 Call Report.

The Call Report - Recent Changes, Highlights, and Pitfalls webinar is designed for experienced preparers and reviewers.

The webinar will cover the 2012 revisions and recently approved changes to the call report, as well as updates due to revisions in accounting standards, other areas of concern, and common errors made during call report preparation.

A classification priority for schedule RC-C will also be reviewed. All loan schedules, including loan income and averages, are required to be reported using RC-C definitions of loan types.

Loans must be reported using a classification priority that considers several factors -- borrower, purpose, and collateral; reporting should not be based on purpose or class coding.

  • Lending Essentials: Business Entities

    Webinar
    Tuesday, February 28, 2012
    11:30am - 1:30pm Pacific Time

    Characteristics, Requirements, Creation, Advantages and Disadvantages of Corporations, LLCs, Partnerships and Other Entities for Lenders

    Essential legal principles underlying creation and operation of borrower entities are significant issues for lenders concerned with creating effective and enforceable loan documents. It is estimated that 30% of UCC filings do not have the correct name of the entity or identify the correct type of entity.

    This new webinar presents a survey of requirements, characteristics, advantages, disadvantages plus creation and documentation issues for the most frequently used type of business entities.

    Highlights

    • Corporations
    • Subchapter S Corporations
    • Partnerships-General and Limited
    • Limited Liability Companies
    • Professional Corporations
    • Trusts
    • Associations

Everyday financial institutions are required to complete transactions for customers that involve Power of Attorney or Living Trust documents.

To protect the financial institution's interests when using these documents, it is imperative to understand the basic do's and don'ts.

This two hour presentation is designed to provide financial institution personnel with the best practices that can be used in dealing with these complex legal documents.

 

MARCH 2012

 

The IRS is seriously working the names and withholding for accounts and your responsibility as withholding agent is becoming very important.

Your financial institution may incur penalties, be responsible for withholding if your financial institution does not understand how the IRS reads names and it can be costly.

In this program we will review taxpayer identification numbers and W-9 and W-8BEN requirements. We will look at how the IRS reads names and the process of resolving name conflicts.

  • You're the New Supervisor!

    Webinar
    Thursday, March 1, 2012
    11:30am - 1:30pm Pacific Time

    If you need others to take direction from you in order to succeed, you will find this program of tremendous value. The seminar focuses on the techniques and strategies you need in order to handle your job responsibilities successfully while at the same time increasing your personal job satisfaction.

    Supervisors must master the art of juggling - staff, schedules, meetings, compliance concerns, goals that must be met, deadlines that won't wait, on-going training needs, serving as a back-up for the employee that didn't come in...the list goes on and on. We'll discuss how to keep all the balls in the air without breaking a sweat.

    This program will ramp up your leadership skills and address critical supervisory issues necessary to becoming an extraordinary supervisor.

  • Flood Insurance Review and Update

    Webinar
    Thursday, March 1, 2012
    11:30am - 1:30pm Pacific Time

    Institute of Certified Bankers: This program has not been pre-approved for ICB credit.

Attendees may go to http://www.aba.com/icb/membercereviewfor instructions regarding self-reporting. Estimated credits earned: 2.5 hours CRCM/CLBB relevant instruction.

The regulatory agencies are increasing already heightened efforts to ferret out violations of the flood regulations. This program provides knowledge needed to avoid frequently cited violations and obtain a positive outcome in flood insurance examinations.

Following the incalculable losses from storms in recent years, the federal government is focusing much attention on flood insurance. The bank regulatory agencies are increasing already heightened efforts to ferret out violations.

No other aspect of the compliance examination consistently receives such close scrutiny, and many financial institutions have paid penalties. Most of the violations involve a basic misunderstanding of the rules of coverage and other requirements.

Common violations involve incorrect completion of the Standard Flood Hazard Determination Form, failure to require flood insurance and the failure to deliver the Notice of Special Flood Hazards.

Recently the OCC, FDIC, Federal Reserve, Farm Credit Administration, and the NCUA issued revised Interagency Questions and Answers Regarding Flood Insurance. The two final and three proposed questions and answers clarify rules relating to insurable value and force placement.

  • Bank Call Report Preparation for Beginners: Four Part Webinar

    Webinar
    Monday, March 5, 2012
    8:00am - 10:00am Pacific Time

    This 4 part webinar series will be held on
    March 5, 12, 19, and 26
    from 11am-1pm ET.

    This four part webinar is designed for bankers who are new to call report preparation and also OTS bankers who will have to file a Call Report starting in 2012.

The series will cover recent changes to the Call Report, basic reporting requirements, schedules that can be prepared using the general ledger and investment reports, loan schedules, maturity and repricing, and risk based capital.

There will be exercises designed to reinforce the classification of balance sheet and income statement items, as well as classification requirements for loans.

Reference will be provided for OTS banks of where line items on the current OTS report will be reported on the Call Report (per FDIC mapping report).

  • The New Form 112: "BSA-CTR

    Webinar
    Monday, March 5, 2012
    9:30am - 11:30am Pacific Time

    All U.S. depository institutions are expected to file BSA forms electronically by June 2012.

However, the real change is the fact that FinCEN has introduced a new electronic CTR. The current e-filed "legacy form" CTR will be discontinued.

Its replacement, the "BSA-CTR,” reflects substantive changes to the responsibility to report large currency transactions. It’s more sophisticated design breaks down aggregated transactions into individual components.

It has many new data fields and a completion sensitivity that generates a need for over 130 different error codes.

The BSA-CTR is also designed for use by several different industries. The BSA-CTR is not currently available for use, but instructions have been published.

The collection process is fraught with potential liability. Debtors who can't or aren't willing to pay their obligations are looking for ways to get out of paying their obligations.

Making a mistake in the collection process can mean the loss of rights to go after the debtor and the collateral.

This webcast seminar will address all legal issues involved in the collection process.

  • Analyzing Business Strength: Part 1

    Webinar
    Tuesday, March 6, 2012
    11:30am - 1:30pm Pacific Time

    This webinar provides an in-depth financial statement analysis training experience. The focus is building a strong base of understanding and application of the purpose, use and interpretation of financial analysis tools, including:

    The proper Role, Purpose and Focus of financial statement analysis in loan risk determination and mitigation;

    Key financial concepts related to risk determination and loan decision making, including:

    • Financial structure
    • Operating cycle
    • Trend analysis
    • Financial leverage
    • “True” cash flows

    The four key tools of financial statement analysis. Case study tools will teach participants how to “crunch the numbers” and interpret the meaning of the data.

    • Spreading
    • Common sizing
    • Use of industry averages

    Ratio analysis of liquidity, leverage, profitability, over-trading and debt service ability

  • What To Do When a Customer Dies?

    • Webinar
    Wednesday, March 7, 2012
    8:00am - 10:00am Pacific Time

Ironically when a financial institution finds out that a deposit or loan customer has died, confusion and dread seem to be the normal reaction.

This two-hour webinar will walk you through the complicated process of dealing with a customer's death, both on the deposit and loan side; as well as the unique issues of doing business with the decedent's estate.

In this webinar we will go over the new language, ratings and requirements that impact the way the appraisal form is completed.

This program provides a review of recent revisions, accounting changes, and regulatory guidance. It will insure that you know what has and will change and can report accurately.

2012 Proposed Revisions

    • Loan origination activity, (RC-U New)
    • Loan Loss Allowance by loan type and impairment method, (RI-C New)
    • RC-N past due and nonaccrual data purchased credit impaired loans
    • New items on RC-P for representation and warrant reserves
    • RC-M and RC-R reporting additions for saving associations
    • Changes and additions to Call Report instructions

Critical issues include Goodwill impairment testing, (ASU 2011-08 effective 2012), restructured loans, (ASU 2011-02 effective 2012), and other real estate.

2011 Revisions

    • Reporting of consumer automobile loans
    • Instructions for reporting of construction loans after completion
    • Reporting of restructured loans by loan type
    • Reporting of deposits obtained through listing services
    • Additional information on life insurance assets
    • Assets covered by loss sharing agreements on RC-M and RC-N
    • Revision of RC-O.

Business Development is a vital part of the lending process for Loan Officers, Relationship Managers, Branch Managers, Customer Service Representatives and anyone who has the responsibility of developing good business for their financial institutions.

Understanding how to build and retain a profitable customer base is essential for the successful banker and for financial institutions that want increased business.

Successful business development will allow financial institutions to shape their loan and deposit portfolios to reflect the types of credit risks the financial institution is willing to take and the customer profile the financial institution desires.

This course is designed to assist bankers in building skills for effective customer sales and results. Although selling is something many bankers resist, this course will help the participant to understand that financial institutions' products and services will "help" their customers and prospects to become better money managers, to save money or to make money.

It emphasizes how to make quality prospect and customer contacts and not just on meeting a calling quota. The course provides practical ideas on enhancing the calling process by focusing on every aspect of the process from preparing for the call to handling objections to closing the sale and retaining the customer.

  • The Federal Benefit Payments Garnishment Requirements - Doing It Right

    Webinar
    Wednesday, March 14, 2012
    11:30am - 1:30pm Pacific Time

    On February 23, 2011, several federal agencies, including the Department of the Treasury, the Social Security Administration, the Department of Veterans Affairs, the Railroad Retirement Board, and the Office of Personnel Management, jointly issued an Interim Final Rule to protect certain federal benefit payments from garnishment actions.

These rules were effective May 1, 2011 and supersede state laws pertaining to garnishments. The rules impact how financial institutions process such actions.

  • The 10 Must-Have Skills for Customer Service Success

    Webinar
    Thursday, March 15, 2012
    8:00am - 10:00am Pacific Time

    Today, more than ever before, good customer service is vital to the success of any institution. Research says that it takes 10 times the effort to keep a customer loyal to an institution today in comparison to the effort it takes to get them to choose to do business with the institution in the first place.

    Financial institutions looking for ways to increase the relationship with the customer know that the success of the relationship is in the hands of the people who wait on and assist customers every day.

While certainly an important skill, it takes more than processing transactions accurately to grow the relationship with the customer. Customers like to do business with a person, not a place.

The warmer the relationship between the customer and employees who assist them, the more opportunity there will be to increase and enhance the customer's relationship with the institution which results in a loyal customer.

It is the employee's approach to customer service that determines whether or not they will have the opportunity to sell additional products and services to the customer.

Customers who feel a connection to the people who wait on them feel valued and well-cared for and will not only increase their relationship with the institution but will also recommend you to their friends.

  • Call Report Preparation Part 2: Call Report Lending Schedules

    Webinar
    Friday, March 16, 2012
    11:30am - 1:30pm Pacific Time

    Reporting of loan and credit information is important and difficult. Frequently loan accounting personnel do not attend Call Report seminars.

    • RC-C Loan Classification Priority
    • RC-K Quarterly Averages
    • RC-L Letters of Credit, Commitments
    • RC-M Insider Extensions of Credit
    • RC-N Past Due & Nonaccrual
    • RI Loan Interest & Fees
    • RI-B Charge Offs & Recoveries

At about the same time the last depository institution moves to e- filing in 2012, all institutions will be migrating to a new SAR.

The new "BSA-SAR" is not currently available, but instructions have been published. They provide information banks need to refurbish their filing processes to accommodate the new form.

Regulations that require filing have not changed nor has there been a redesign of the form for several years.

Nevertheless, the "BSA-SAR" reflects changes in the categorization of suspicious activity that have a tangible effect on what a depository institution would consider as suspicious activity and how it should be reported

Reg. Z and RESPA have now been officially turned over to the CFPB, and they have plans to make major changes.

Some of those changes were mandated by the Dodd-Frank Act, others are planned to encourage “transparency” and achieve other goals the Bureau has. But we have to comply now - how to best do this?

This session will serve as a review of the major trouble points encountered by mortgage lenders, as well as an update on things heard from mortgage lenders and regulators alike.

We'll talk about the common mistakes and misconceptions, what examiners will be looking for, and get you ready for your next mortgage lending exam.

  • Compliance Perspectives: A Monthly Update

    Webinar
    Tuesday, March 20, 2012
    11:00am - 12:00NOON Pacific Time

    Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.

    Carl Pry, a well known and highly respected compliance expert will be presenting a monthly one-hour compliance 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.

  • Cash Flow Analysis: Part 2:

    Webinar
    Tuesday, March 20, 2012
    11:30am - 1:30pm Pacific Time

    Cash flow repays debt! Without an adequate understanding of “true” cash flows, it is impossible to make sound, disciplined loan decisions.

This dynamic webinar has been developed to help lenders better understand cash flow analysis at a more useful and meaningful level. Issues to be presented and discussed include:

The “true” nature of cash flow in a business: cash flow is NOT net income plus depreciation!

“E-B-I-T-D-A” is not cash flow, and using this erroneous tool can lead to problems

How to quickly and easily prepare and use cash flow statements

How to understand the importance of the difference between:

    • Operating cash flows,
    • Cash flows caused by management discretion, and
    • Financing flows.
  • Right of Setoff

    • Webinar
    Wednesday, March 21, 2012
    8:00am - 10:00am Pacific Time

The "Right of Setoff" is a term frequently used in the banking industry when trying to collect on past-due debts owed by customers.

Unfortunately, many bankers do not understand the legal requirements and the procedures that are necessary to use this process. The risks of using the process incorrectly can be costly to a financial institution.

On the other hand, successfully using the right of setoff can protect a financial institution from significant financial losses. Do you know when it is allowed and when it isn't? Do you know if your financial institution has a statutory or contractual right of setoff? Do you understand the financial risks of using your setoff rights incorrectly?

If you don't know the answers to these questions, make sure to attend this valuable webinar.

  • Overdraft Fees: New Impact for Financial Institutions

    Webinar
    Thursday, March 22, 2012
    8:00am - 10:00am Pacific Time

    Does your financial institution offer overdraft protection products to your customers? Are these products in compliance with the numerous regulatory requirements?

Can your employees explain the benefits and drawbacks of these products to your customers?

This session will give participants a thorough understanding of the differences between the various overdraft protection products available, how the regulators view such products, the requirements and restrictions involved with offering various overdraft payment options, the risks and rewards of each, and how recent regulatory actions impact the offering of these products to your customers.

Here are some questions we will address; If we are we required to give out the credit scores to our customers through our Adverse Action Notices and our Risk Based Pricing Notices which methods/models are best for us?

Can a consumer or a Financial Intuition legally improve the FICO score, and if so, what has the greatest impact? How does data (positive and negative) affect/effect scoring models?

How do we avoid disparate treatment when using scoring models? How can we use credit scores to streamline the lending and checking account decision process? Can we get scores on Commercial Credit Applications? Does your customer really need a score over 780?

These are just a few of the questions we will answer in this informative session.

  • Health Savings Accounts

    Webinar
    Thursday, March 29, 2012
    8:00am - 10:00am Pacific Time

    Yes, they are still around! Were you hoping they might fade into the sunset?

    Because of the high cost of health insurance premiums, more and more companies and individuals are enrolling in High Deductible Health Plans (HDHP) to reduce their health care premium costs. As they do, there is a growing need for Health Savings Accounts to pay those medical expenses until the high deductible has been met and the insurance co-pay kicks in.

    Whether you are now offering HSAs or are thinking about offering HSAs, this 2 hour extremely informative webinar will give you the information you need to make sure you are setting the accounts up correctly and performing the proper maintenance and reporting.

 

APRIL 2012

 

From the single member to the multiple member, LLC we will cover all the definitions, tax reporting, CIP and due diligence issues for opening the deposit account of an LLC.

You will receive a state specific chart and help with understanding the ins and the outs of these deposit relationships.

  • Improving Your Sales Abililty on the Frontline

    Webinar
    Wednesday, April 4, 2012
    11:30am - 1:30pm Pacific Time

    Designed for financial institutions that are serious about becoming a world-class sales organization, this dynamic webinar will help raise the bar when it comes to effective cross selling. When the customer walks in, drives up, emails, or phones, the organization starts racking up points, for or against, tightening up the relationship and setting the stage for cross selling.

    Aimed at the frontline staff including tellers, customer service representatives, call center personnel, account managers and branch managers, this program teaches participants how to excel at cross-selling and referrals. Honey Shelton will teach you how to implement skills, strategies and standards that will raise the bar when it comes to cross-selling outcomes.

    Be reminded of the importance exceptional service plays in obtaining referrals and increasing sales outcomes. In order for your institution to have a service advantage in your market your staff must be aware, alert and well-trained about how to get the community talking about the friendly experts at your organization. Make service advantage your key to excelling at cross-selling.

  • How to Properly Handle, Drill, Secure and Report Safe Deposit Box Past Dues and Unclaimed Property

    Webinar
    Thursday, April 5, 2012
    8:00am - 10:00am Pacific Time

    Questions regarding the collection of past due box rent, drilling delinquent boxes, securing drilled and inventoried box contents, reporting abandoned property to our state authorities and many other legal and compliance issues have caused great concern and confusion for the safe deposit industry.

At this workshop you will receive current information, step by step procedures and an in-depth explanation about how to handle these issues and how they impact on your financial institution and your safe deposit box renters.

  • Construction Lending

    Webinar
    Wednesday, April 11, 2012
    8:00am - 10:00am Pacific Time

    A construction loan is one of the most complicated loans that a financial institution will make.

Construction lending requires knowledge of unique lending processes and special regulatory requirements.

It is a trap for the unwary who think construction lending is simply making a real estate loan. This webinar will explain the construction lending function from start to finish.

  • Call Report - Lending Schedules for Banks

    Webinar
    Thursday, April 12, 2012
    8:00am - 10:00am PacificTime

    Several changes to the Call Report loan schedules have been proposed for 2012.

    • New schedule, RC-U, proposed to report loan origination activity during the quarter
    • New schedule, RI-C, proposed to report loan loss allowance by type and impairment method
    • Proposed memo item on RC-M for savings associations to report on test of compliance with Qualified Thrift Lender
    • Proposed memo item on RC-N to report past due and non-accrual of purchased credit impaired loans
    • Proposed new item on RC-P to report the amount of representation and warranty reserves for 1-4 loans sold

    Loan information on the Call Report provides critical credit information for regulators, especially in today's environment. The rules for schedule RC-C dictate how loans are to be reported on all loan schedules, including the income statement, charge-offs and recoveries, averages, and past dues and non-accruals. This webinar will help you learn the classification priority for reporting loan information correctly.

    Recent guidance, ASU 2011-02, on reporting restructured loans will also be discussed.

  • Compliance Perspectives: A Monthly Update

    Webinar
    Tuesday, April 17, 2012
    11:00am - 12:00NOON Pacific Time

    Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.

    Carl Pry, a well known and highly respected compliance expert will be presenting a monthly one-hour compliance 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.

  • Can We Count On You? How to Excel on the Job!

    Webinar
    Wednesday, April 18, 2012
    8:00am - 10:00am Pacific Time

    Most of us want to be good employees - and most of us want to excel at our jobs. To be a highly successful employee and excel at work is not simply a matter of being good at what you do.

Excelling involves issues such as professionalism, attitude, and teamwork - all of that and plenty more will be covered in this fast-paced webinar.

What is the payoff for you? The most significant earning asset you have is sitting in your chair. Invest in excelling on the job, it's your livelihood, your future and is your most important investment.

  • Marketing for Mortgage Originators

    Webinar
    Thursday, April 19, 2012
    8:00am - 10:00am Pacific Time

    With the current marketplace in our industry, we find there is a huge need for originators of home loans to successfully find and capture business.

This webinar is designed to share marketing ideas specifically designed for loan originators, to help them better promote themselves, their products and their company.

Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.

Carl Pry, a well known and highly respected compliance expert will be presenting a monthly one-hour compliance 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.
   

Nevada Bankers Association
9081 W. Sahara Avenue
Suite 230
Las Vegas, NV 89117
Tel: 702-233-8607
Fax: 702-233-2546
webmaster@nvbankers.org