Home

About the Nevada Bankers Association

Board of Directors

NBA Bank Members (Members Only)

Special and Associate Members (Members only)

NBA Committees (Members Only)

NBA Endorsed, Sponsored or Supported Educational Programs (Members Only)

Training and Education

Legislative Issues (Members Only)

Shared Documents (Members Only)

Employment Opportunities

NBA BankPAC

American Bankers Association BankPAC

Upcoming Events

Contact Us

Request Information

Training and Education

Training Resources

TTS Logo

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.

 

********

 

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.

 

********

 

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

 

********

 

EDUCATION

 

* * * * * * *

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

 

* * * * * * * * *

 

Graduate School of Banking at Colorado

Multiple Dates Available

 

********

 

Nevada Bankers Association is offering multiple delivery methods of Continuing Education in 2009 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....

 

2010 WEBINARS

 

MARCH 2010

 

Significant changes were effective in 2009 and will be effective in 2010.

This program provides a review of recent revisions, accounting changes, and regulatory guidance.

It will insure that preparers know what will change and can prepare to report accurately.

Banks are allocating tremendous resources (capital and human) to reducing the level of these loans.

Band boards and management are fully
engaged in the process.

The successful outcome depends on process, metrics and reporting.

  • Safe Deposit Compliance & Legal: 2010 Update

    Webinar
    March 9, 2010
    8:00am - 10:00am Pacific Time

    The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CFSSP & CRCM credits.

    Questions regarding the Suspicious Activity Report, USA Patriot Act, deceased renters, past due boxes, abandoned property, payable-on-death clauses, power of attorneys, Americans with Disabilities Act, and many other legal and compliance areas have caused great concern and confusion for the safe deposit industry. At this workshop you will receive current information about all of these issues and an in-depth explanation about how they impact on your financial institution and your safe deposit box renters.

    David McGuinn, a nationally known expert in the area of safe deposit, will provide clear concise answers to complicated questions regarding your institution's responsibility and potential liability. He will also identify and discuss various compliance issues relating to each legal topic.

  • Complying with the FFIEC Interest Interest Rate Risk Advisory

    • Webinar
    March 10, 2010
    11:30am - 1:30pm Pacific Time

The FFIEC Interest Rate Risk (IRR) advisory was viewed by many as a new set of expectations.

In fact, these expectations are nothing more than a restatement of their 1996 Joint Agency Policy Statement on Interest Rate Risk. Join David Koch, COO of Farin & Associates as we examine the increased expectations for upcoming interest rate
risk exams and what you can do now to prepare.

  • Achieving Teller Excellence

    Webinar
    March 10, 2010
    11:30am - 1:30pm Pacific Time

    The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CBT credits.

    This highly motivating workshop continues to evolve as the premier teller workshop. Attended by tens of thousands of tellers across the country for over 20 years, the workshop enjoys exceptional reviews from participants.

    Managers and head tellers say this program gets the point across about the responsibility the teller has in influencing the ongoing impression customers have of the institution. Here are some questions the program has answers for...

    • Have a concern your tellers don't take pride in their work?
    • Are you ready to reduce errors, eliminate balancing problems and increase adherence to dress code and other policies?
    • Looking for ways to improve attitudes, customer service delivery and cross-selling statistics?
    • Want some reinforcement to convince your tellers that what is expected of them can change quickly or that they need to learn to take the initiative on picking up the workload without prodding

Throughout the program excellent tips and techniques will be explored that deal with the skill sets, attitude and knowledge a teller must acquire to achieve excellence.

  • Detecting Counterfeit Checks, On-Line Scams, Money Orders and More

    Webinar
    March 11, 2010
    8:00am - 10:00am Pacific Time

    The Institute of Certified BankersTM(ICB) is
    dedicated to promoting the highest standards
    of performance and ethics within the financial
    services industry. This webinar has been approved for 2.5 CLBB & CSOP credits.

With the advent of new and innovative payment options available to consumers, criminals are exploiting these payment options in ways many Internet providers did not plan for, nor anticipate the affects on other entities in the payment stream.

Financial Institutions of all sizes must be aware of and plan for the fallout. Join us for this webinar to educate your staff to the perils of the various counterfeiting and unauthorized check creation websites on the Internet today.

Fraud prevention requires you to keep abreast of the newest scams, and this webinar will provide valuable prevention steps for your institution.

Final regulations implementing Section 114 (Red Flag Guidelines) of the Fair and Accurate Credit Transaction Act (FACT Act) were effective on November 1, 2008.

Substantial work was needed to meet the
compliance deadlines of Section 114.

But the work did not stop in 2008.

The responsibilities are ongoing.

This webinar provides stepby-step instructions on how to comply with the ongoing requirement to
maintain your Identity Theft Prevention Program.

The joint regulations required each financial institution to establish a written Identity Theft Prevention Program (Program).

As part of the Program every financial institution was required to conduct a risk assessment, develop policies and procedures, obtain board approval and train appropriate personnel.

An annual report to the board of directors is a required element for oversight of the Program.

There are ongoing responsibilities in all elements of the Program.

  • Sharing Customer Information with Affiliates & Third Parties

    Webinar
    March 15, 2010
    11:30am - 1:30pm Pacific Time

    Two laws regulate sharing customer information with third parties.

    •The privacy requirements of the Gramm-Leach-Bliley Act govern the sharing of information with non-affiliated third parties.
    •The Fair Credit Reporting Act, as amended by the Fair and Accurate Credit Transaction Act (FACT Act), regulates sharing with affiliates.

    Every financial institution in the nation is affected by these laws.

  • What to do When a Customer Dies:

    Webinar
    March 16, 2010
    8:00am - 10:00am Pacific Time

    The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards
    of performance and ethics within the financial services industry. This webinar has been
    approved for 2.5 CCSR and CPB credits.

    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.

It is a goldmine of information simply because it contains demographic information of applicants and borrowers. Performing analysis of HMDA data is no longer a best practice; it is an expectation of examiners.

After all, they too are using statistical and other tools to identify focal points for their exams. They expect you to understand your own data and be able to apply a risk-based focus in your efforts.

But what does this mean? How to best do this? This program explores ways to use HMDA data in various types of analyses.

This isn't meant only for larger institutions, either. There are many tools that even the smallest community banks can (and should) utilize.

Many of these analyses can be performed with just Excel. But in today's strict fair lending examination environment, understanding your own data is a necessity.

It's not what you know that will hurt you-it's re-polluting the consumer's file that can cost your Financial Institution plenty! We will review FACTA Section 312- new Accuracy and Integrity Guidelines, E-OSCAR, and using the METRO-2 format.

We will also discuss the pros and cons of reporting to more than one NCRA (National Credit Reporting Agency), and why you should run quality control checks on your data to make sure it is correct, and you are in compliance.

  • Right of Setoff

    Webinar
    March 18, 2010
    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.

Reporting of loan and credit information is important and difficult.

Frequently loan accounting personnel do not attend Call Report seminars.

  • Advanced Loan Documentation

    Webinar
    March 22, 2010
    11:30am - 1:30pm Pacific Timne

    This webinar has been created for bankers who have a basic understanding of loan documentation obtained by training or experience and wish to further develop, refine, confirm or polish those skills.

It deals with all types of collateral except real estate.

Program content is based on questions most frequently asked during seminars presented by the instructor on a nationwide basis.

The program is not a theory lesson.

Participants will receive a practical, “real world,” intensive review of critical loan documentation issues, best practices, proper lien creation and monitoring under the requirements of the Revised

Article 9 of the Uniform Commercial Code.

Questions and special situations brought forth by participants will help deepen participants’ understanding.

  • Compliance and Legal Implications with Social Networking and Media

    Webinar
    March 23, 2010
    8:00am - 10:00am Pacific Time

    Is your institution taking a leading role and jumping into new channels of communication, such as Facebook, LinkedIn, blogs, and Twitter? Or are you taking a wait-and-see approach to see how things will shake out? Taking the defensive approach might not be the best move, since the most sought-after demographic, young affluent professionals, are proficient in these communication channels and have come to expect their financial institutions to reach out in these new and exciting ways.

    Besides, you may already have a presence and not even know it. Do your employees mention your institution on their own web pages or tweets? Are you even aware of what is being said about your institution on these new channels? And what about the compliance implications?

    Technology has always been in front of regulation, so we have to adapt current regulatory requirements to these new methods of communication. Do you have a risk management review process that accounts for these types of communications? We'll talk about the challenges that should be addressed when considering social media as a customer service tool within your institution, as well as giving you the awareness as to how to handle these issues now and in the future.

  • Compliance Perspectives: A Monthly Update

    Webinar
    March 23, 2010
    11:00am - 12:00NOON

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

  • How to Comply with the New Risk-Based Pricing Regulations

    • Webinar
    March 23, 2010
    11:30am - 1:30pm Pacific Time

This final piece of the FACT Act, which has been unfolding since December 2003, requires all financial institutions to adopt new policies and new procedures to comply with the new requirements.

The primary intent of these changes is to ensure that consumers are willing participants in
a bank's overdraft program as it relates to ATM and selected debit card transactions.

In addition to consumer compliance issues, the regulatory changes impose significant technological challenges on banks, their core software vendors, and their card processing partners.

Selected requirements include additional detail as to the source and disposition of transactions, new requirements for interactive communication via local and network ATM channels, and new notification and reporting requirements for electronic transactions.

This webinar will address and explain the technology requirements of the changes, discuss their potential implications, and provide guidance
to banks as they interface with their technology providers to assess their efforts toward compliance.

This fast-paced session will help both consumer
and commercial lenders better understand and use tax returns to improve the quality of loan decisions.

This program will improve your ability to 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.

  • Regulation E Revisions: Handling Overdrafts Created by EFTs

    Webinar
    March 29, 2010
    11:30am - 1:30pm Pacific Time

    Revisions to Regulation E prohibit financial institutions from imposing an "overdraft" fee on ATM and one time debit card transactions that overdraw a consumer's account unless the consumer has "opted in" to the
    service.

Compliance with the regulation is mandatory on July 1, 2010.

Implementation requires banks to develop an "opt - in" program that complies with the regulation if they expect to charge overdraft fees in
these circumstances.

Banks that have no disclosed overdraft program
and who do not typically approve debit card transactions when there is a negative balance are also affected.

Banks will be able to offer the option to new customers at account inception, but they will be required to contact existing customers.

A customer's silence will not be the equivalent
of consent.

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.


APRIL 2010

Furthermore, recent amendments to the regulation are going to increase a financial institution's responsibilities with how it handles overdrafts resulting from certain electronic transactions.

Make sure to attend this important webinar to learn more about the Electronic Funds Transfer Act and Regulation E.

The once-in-a-lifetime Liquidity event of Fall 2008 coupled with a melt-down in the residential real estate market has left many institutions in dire straights and surviving this year will be a challenge.

Another problem we face is a lack of experience with this kind of crisis so, for many of us, we are learning how to cope for the first time in our careers.

Our workshop is designed to address several important concepts, many of which come from our last great crisis in 1988-1990.

This NEW two-session webinar has been developed in response to requests from bankers to provide a convenient, in-depth financial statement analysis training experience.

A further objective of this program is to provide bankers planning to attend a Banking School (perhaps offered by your state's bankers association) with background (or prerequisite) understanding which will make the lending school
experience more meaningful.

This program is low on theory and high on practical and immediately useful tools of financial statement analysis.

All case studies are presented in a "real world" context.

  • Dealing with New Compliance Requirements in Consumer Lending - Where Do We Stand?

    Webinar
    April 6, 2010
    8:00am - 10:00am Pacific Time

    The Institute of Certified BankersTM (ICB) is
    dedicated to promoting the highest standards
    of performance and ethics within the financial
    services industry. This webinar has been approved
    for 2.5 CRCM and CLBB credits.

    Consumer (non-real estate) lending is one of the most regulated activities in the country, and with recent legislative and regulatory developments, more attention than ever is being placed on how you make your loans, and to whom.

The Credit CARD Act, for one, imposes significant new operational requirements on ALL open-ended plans, not just credit cards. Plus the proposed new Consumer Financial Protection Agency could upset the apple cart altogether.

We'll discuss these developments and the requirements for (non-real estate) loans, such as credit cards, vehicles, and student loans, among others.

There are several new rules in place that affect various types of loans you make, plus there is significant regulatory pressure in 2010. Make sure you understand the changes and know the regulators' hot button issues.

  • Call Reports - Lending Schedules

    Webinar
    April 7, 2010
    8:00am - 10:00am Pacific Time

    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-off's and recoveries, averages, and past dues and nonaccruals. This webinar will help you learn the classification priority for reporting loan information correctly.

    Several changes to the Call Report loan schedules have been approved for 2010. Beginning with the March, 2010 Call Report, additional information will be required on RC-C. New line items have been added to report reverse mortgages and there is also a new line item for loans to non-depository financial institutions. In addition, RC-C Part II, Loans to Small Businesses and Small Farms, will have to be completed on a quarterly basis instead of annually each June.

    There have also been revisions approved for schedule RC-L. The definition of an unused commitment has been clarified to include commitments where the bank has extended terms and the borrower has accepted those terms, even though the related loan agreement has not been signed. More detail has also been added to the unused commitment line items.

  • Introduction to Residential Mortgage Underwriting

    Webinar
    April 8, 2010
    8:00am - 10:00am Pacific Time

    This webinar will introduce and reinforce skills needed to properly Underwrite a Conventional Mortgage Loan. In the current business climate, sound underwriting practices are critical, and this class is an excellent overview to the Underwriting step.

  • Understainding Revised Article 9 of the Uniform Commercial Code

    Webinar
    April 8, 2010
    11:30am - 1:30pm Pacific Time

    It is essential for lenders and loan administrators to know and understand Revised Article 9 (RA9) of the Uniform Commercial Code.

RA9 governs and controls secured transactions involving primarily personal property. This presentation is designed to provide the participant with an overview of the important facts lenders and loan administrators must know to perfect their security interest in collateral governed by the Uniform Commercial Code. RA9 became effective on July 1, 2001 and it changed the way we attach and perfect personal property dramatically.

This program will discuss the facts you need to know to avoid your financing statements from becoming invalid and will review the major changes in the UCC; the types of collateral covered by Revised Article 9; the new rules of perfecting collateral interest under RA9; completion of financing statements and the new rules of filing in the proper place.

  • Overcoming Negativity on the Frontline

    Webinar
    April 13, 2010
    11:30am - 1:30pm Pacific Time

    In this two hour workshop, let an ITS trainer help you learn how to contend with burnout, gossip, unprofessional behavior, employee and customer conflicts, and poor attitudes.

Managers will learn how to get the frontline teaming instead of steaming, choosing actions instead of reacting, choosing a good attitude to avoid burnout, making gossip only familiar tabloid fodder, and resolving conflicts instead of letting them lead to explosions.

You may not anticipate an upcoming termination today.

However, the need to terminate an employee can arise despite your best efforts, and by then it may already be too late to "do it properly."

To keep your terminations legal and avoid costly errors, learn what you need to know about terminations before you need to know it. Learn what you should and should not do - before, during and after the termination occurs.

For most of our careers, Liquidity was a function of ratio analysis; however, regulators are now keen on a more dynamic measure called a Contingency Funding Plan.

This enhanced look at Liquidity appeared on the scene in late 2007 as regulators saw the coming Liquidity Crisis and more and more information about these plans have come to light over the past few years.

Our workshop is designed to review the historic look at Liquidity from the regulator viewpoint and describe the enhanced techniques now required for banking.

Moving toward a more dynamic approach through the Contingency Funding Plan is essential for all financial institution's operating in this difficult environment.

The primary purpose of a Fair Lending Self Assessment is to detect problems before examiners cite violations, the Department of Justice seeks a consent decree or a consumer hires an attorney to take legal action against your bank. There is not just a single preferred method
for conducting the self assessment.

Some focus primarily on statistical analysis, a technique that works best with high volume lenders.

Other methods focus on side-by-side file reviews.

Some use a combination of techniques.

  • Compliance Perspective: A Monthly Update

    Webinar
    April 20, 2010
    11:00am - 12:00NOON

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

  • Flood Insurance: Compliance Problems that just Don't Seem to Go Away

    Webinar
    April 20, 2010
    8:00am - 10:00am Pacific Time

    The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards
    of performance and ethics within the financial services industry. This webinar has been
    approved for 2.5 CLBB & CRCM credits.

    With flood insurance rules having been around as long as they have, you'd think compliance would be a snap. Not the case. There are still significant issues with flood insurance, and the regulators are still attempting to deal with them through their questions and answers process. We're still not quite there yet - even more Q&As are on the way, they tell us. The feeling is that financial institutions have been slipping in their flood compliance, increasing the risk to borrowers and institutions alike. A quick look around also shows that more than a few lenders out there are being fined for flood problems, and the penalty amounts are not a laughing matter.

    We'll concentrate on some of the more vexing issues in flood compliance, such as monitoring, contents coverage, and the ever-present condo problem, by talking through sample scenarios and explaining best practices in keeping your portfolio covered.

  • Construction Lending

    Webinar
    April 27, 2010
    8:00am - 10:00am Pacific Time

    The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CLBB credits.

    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.
  • Managing a Financial Institution Branch

    Webinar
    April 28, 2010
    11:30am - 1:30pm Pacific Time

    This highly acclaimed webinar speaks directly to branch managers and reviews practiced, tested management techniques that turn the branch office into a winning operation. All methods discussed and examples used will be geared to your Branch Management situations.

  • Debit and Credit Card Fraud

    Webinar
    April 29, 2010
    8:00am - 10:00am Pacific Time

Operational losses attributable to fraud, specifically debit and payment channel fraud are changing right in front of our eyes, and at a pace that threaten both your accounts and the reputational integrity of your financial institution. Please join us as we explore why your "sales market" is local, but your "risk market" is global, and what this means to the risk management strategies for your plastic card portfolio.

Plastic card portfolios are traditionally viewed as a silo that must be protected, weighing the risks and rewards associated with the marketplace in which you operate. Unfortunately, the Internet and Worldwide trade are changing the rules for everyone. Please join this program to elevate your knowledge of the perils you face today, with suggestions for change to protect your institution.

 

MAY 2010

 

  • Maximizing Telephone Effectiveness

    Webinar
    May 4, 2010
    11:30am - 1:30pm Pacific Time

    Many customer interactions with a financial institution now happen on the telephone. This webinar will help you to maximize your telephone effectiveness from both a service and sales standpoint. Learn how to build a relationship from the greeting through the end of the call. You will also learn how to diffuse anger and complaints received by phone and will become more aware of how to capitalize on sales opportunities in your telephone inquiries.

  • These People Drive Me Crazy

    Webinar
    May 5, 2010
    8:00am - 10:00am Pacific Time

Headache Remedies and Other Pain Relievers for Supervisors

Some days it just doesn't pay to get out of bed! Ever said that? Most of us that deal with the public find there are just some people that can drive us crazy! This program will provide you with excellent coaching tactics on dealing with the challenging people issues that frequent the workplace.

This program will examine the groundwork that must be laid in your branch or your department in order for you to help negative or difficult people see that what they are doing isn't working. If you are ready to put an end to allowing people who sabotage teamwork or don't pull their load to create turmoil this program is for you!

You will enjoy hearing Honey Shelton discuss ideas and solutions for improving communication, teamwork, production and morale. Have your pen handy as you take note of how to no longer let others drive you crazy.

  • Home Valuation Code of Conduct

    Webinar
    May 5, 2010
    11:30am - 12:30pm Pacific Time

    As of May 1st 2009, FNMA/FHLMC requires that all lenders selling loans to them adhere to the new Home Valuation Code of Conduct. As with many of the regulations put in place by the Secondary Market, this will quickly become standard procedure within the industry. Join J.T. Turner, Trainer and Consultant, for an overview of the new regulations, their impact on lenders, and the latest updates to the Code.

    As of April 1 2009, FNMA requires that sellers send a new added form with all loans sold to them. This form, 1004MC, places an added burden on the appraiser and lender. A brief overview of the form and its content will be reviewed in this webinar.

  • Break Out of the Box: Differentiante Your Financial Institution From Everybody Else

    Webinar
    May 6, 2010
    8:00am - 10:00am Pacific Time

    There's been a sea change in the basis of competition in most industries, and the banking industry is no exception. If you or your business clients ignore it, you'll be caught in dangerous undertows that, at some point, are impossible from which to escape.

    We've become a copycat economy in which customers see fewer differences between qualified financial institutions and therefore select on price or its equivalent.

    Loyalty's gone out the door.

    Unfortunately, the traditional strategies for dealing with price-competition: new products or services, cost cutting and better markets, are no longer effective because they do little to offset the underlying economic forces creating commoditization in the first place.

    In this webinar, you'll find new approaches to competing as one-of-one, the only market situation aside from being the lowest cost financial institution that generates an attractive return.

  • 2010 Directors Certification Program

    • Session 2
    May 11, 2010
    Hyatt Regency
    21500 Pacific Coast Highway
    Huntington Beach, CA

    May 13, 2010
    Sheraton Grand
    1230 J Street (13th and J)
    Sacramento, CA

  • Are You Accepting Proper Appraisals? New Regulator Attention to the Requirements

    Webinar
    May 11, 2010
    8:00am - 10:00am Pacific Time

    The Institute of Certified Bankers (ICB) is
    dedicated to promoting the highest standards of performance and ethics within the financial
    services industry.  The Are You Accepting Proper Appraisals? New Regulator Attention to the Requirements has been approved for 2.50 CLBB, 2.50 CRCM credits. 
    This statement should not be viewed as an endorsement of this program or its sponsor.

    The valuation process in real estate loans is one of the areas targeted as partly responsible for the ''mortgage meltdown.'' Consequently, there have been critical developments in the regulatory process that lenders and compliance personnel must be aware of. There are changes in USPAP for 2010 and for related forms. The regulatory agencies have issued guidelines regarding appraisal and evaluation practices, to take new methodologies, such as drive-bys and AVMs, into account. Independence of the appraisal process is essential, and you have to be able to prove it to your examiners. Fannie Mae and Freddie Mac have entered into agreements with the New York AG's Office, which they say will continue "in spirit" long after the legal requirement has passed.

    Do you know the requirements? We'll go in-depth on the details of the appraisal and valuation process, from both the lender and appraiser side of the game, to provide a thorough understanding of what is required and what you have to have.

  • Compliance Perspective: A Monthly Update

    Webinar
    May 11, 2010
    11:00am - 12:00NOON

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

  • Bankruptcy for Creditors

    Webinar
    May 12, 2010
    11:30am - 12:30pm Pacific Time

    In this webinar, we will discuss Chapter 7 and 13 timelines, the First Meeting of Creditors, the ability to discharge debts, lien avoidance, treatment of mortgages in Chapter 13 plans, reaffirmation agreements, automatic stay issues and abusive multiple filers.

Scott Fink, our speaker, will examine the Bankruptcy Code and its current affect on your mortgages, as well as updating your institution on pending legislation amending the Bankruptcy Code. Handouts along with two question and answer periods will be provided.

"It's just a little new account job, right?"

If that's the case, why do we feel like we are acting as "estate planners" instead of "account opening professionals"?

The main reason is, in many states, the signature card and account agreement could possibly override formal documents created outside of the financial institution - for example, wills and trusts.

It is imperative that we understand the consequences of "choosing" the correct ownership box to be consistent with the accountholder's wishes - especially at death. In this session, we cover the definition of the ownership boxes for consumer and trust accounts including: titles, ownership, TIN and authorized signers for that ownership and death payouts.

The Institute of Certified BankersTM(ICB) is
dedicated to promoting the highest standards
of performance and ethics within the financial
services industry. This webinar has been approved
for 2.5 CLBB and CPB credits.

One of the more challenging aspects of lending is analyzing personal financial statements and tax returns.

To assess the borrower's ability to convert assets to cash to pay short term debt often requires significant adjustments to the borrower's reported net worth.

Adjusted gross income on Form 1040 bears no relationship at all to cash available to pay personal living expenses and debt service. To determine cash available, the lender must construct a personal cash flow using information contained in the personal financial statement and schedules of the tax return.

  • Opening New Accounts 2

    Webinar
    April 19, 2010
    11:30am - 1:30pm Pacific Time

    It is no longer "okay" to open accounts for non-documented businesses. When you open a commercial account you should verify this is a legal business and who is authorized to transact business on behalf of that entity. In this two hour Webinar, we will investigate the types of business entities available in most states and who that "authority" person is to open the account and sign the resolutions.

    It is highly recommended you have a copy of your financial institution's account agreement and resolutions nearby to follow along during the session. To customize it to your state law, you may also want to access your Secretary of State website to access information on forming business structures in your home state.

  • Supervisory Secrets and Skills

    Webinar
    May 25, 2010
    8:00am - 10:00am Pacific Time

    This "nuts-and-bolts" workshop is crammed with dozens of "field tested" techniques to put you on the path to supervisory success.

You'll get proven, practical techniques and strategies that will really make a difference in dealing with the transition to supervisor, capitalizing on the skills that you already have.

Through group discussion, practical exercises, and coached skill practice, the upbeat tempo of this seminar will not only keep your interest, but also provide you with a wealth of practical skills essential to effective supervision and management.

   

Nevada Bankers Association
3360 W. Sahara Avenue, Suite 115
Las Vegas, NV 89102
Tel: 702-233-8607
Fax: 702-233-2546
webmaster@nvbankers.org