Managing the Community Bank’s Loan Review Function and  The Allowance for Loan and Lease Losses

Click here for a PDF registration brochure.

Program Overview

This seminar focuses on best practices for managing the community bank’s loan review function and the allowance for loan and lease losses.   Both the primary outcomes and current regulator expectations for loan review will be discussed.   This seminar will also answer the question: “What is an appropriately stated Allowance for Loan and Lease Loss Account?” Provision methodologies for FAS 5 and FAS 114 will be reviewed.  Regulatory expectations for the Allowance will be discussed.  Specific attention will be given to the following areas:

• Regulatory Guidance for managing the Loan Review Function
• The Seven Objectives of Loan Review
• What the Regulators Are Finding Wrong with Loan Review and the Proactive Measures Banks can take now
• Regulatory Guidance for managing the Allowance for Loan and Lease Loss Account
• The Nine considerations for an appropriately funded Allowance
• What the Regulators are Finding Wrong with Allowance Funding Methodologies and the Proactive Measures Banks can take now

Workshop Learning Resources
Handout materials will include a variety of lending resources, including:

• Regulatory resources and citations for Loan Review and the Allowance for Loan and Lease Loss Account.
• A sample template for conducting loan review and documenting the review in the borrower’s credit file.
• A sample template for documenting specific FAS 114 provisions to the Allowance.
• A sample template for segmenting the bank’s loan portfolio to document FAS 5 provisions to the Allowance.

Who Should Attend
Community bankers who have lending and loan review responsibilities as well as members of the bank’s credit administration staff who manage the Allowance for Loan and Lease Losses.

The program is approved for 6 hours of CPE credits.

About Your Presenter
John Cochran, John Cochran & Associates, Jefferson City, Missouri presents a variety of lending seminars to many state banking associations and individual client banks. Additionally, he serves on the faculty of several commercial lending schools. When not teaching, John provides consulting and loan review services to client banks.  During his banking career, he served in a number of lending capacities including compliance and loan review officer, consumer and commercial lending, chief lending officer, and president and chief executive officer of a community bank.

Fees

The following fees include the program, materials, lunch and refreshments:

$225 — IBA Members
$155 — Each Additional IBA Member
$450 — Non-Members

As of Jan. 1, 1994, only 50 percent of business food and beverage can be deducted. For tax purposes the cost of food and beverage for this program is $25.

The Agenda
8:30 a.m. Registration & Continental Breakfast
9:00 a.m. Program begins
12:00 noon Lunch (included)
1:00 p.m. Program resumes
4:00 p.m. Program adjourns

Location
IBA Center for Professional Development
6925 Parkdale Place
Indianapolis, IN 46254

The IBA Center for Professional Development is located on the westside of Indianapolis just off of I-465. From I-465 take the 38th Street West Exit (Exit 17). When you exit go west on 38th street. Turn north/right onto Eagle Creek Parkway and then east/right onto Parkdale Place. Our address is 6925 Parkdale Place, Indianapolis, IN 46254. Click here for a map and a list of local hotels.  Dress is business casual.

Confirmation/Cancellation
Everyone who registers online will receive an e-mail confirmation after the registration is submitted. Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed.  Within two days prior, 50% of the fee is assessed.  Refunds are not provided for cancellations or absences which occur on the day of the program.  Substitutions are welcome at any time.