Indiana Bankers Association

How to Comply with Regulation Z's Rescission Rules

Thu, 01 Jul 2010

AIB Fundamentals of Consumer Lending

Tue, 06 Jul 2010

Fundamentals of Consumer Lending
5 week Online course

Registration Deadline is one week prior to start date

Member Price: $250
Nonmember Price: $315
General Information on Online Courses
Questions? Contact Susan Clark at the IBA

Course Description:
Fundamentals of Consumer Lending covers the basics of consumer credit including terminology, categories of credit, credit worthiness. Students will learn the applications process and the actions required to ensure bank compliance with regulations. By the end of the course, students should have a higher comfort level with consumer credit and feel an increase in credibility when interacting with clients who apply for consumer credit.

Audience:
Any bank personnel with little or no experience in consumer lending.

Learning Objectives:
After successfully completing this program, you'll be able to:

Describe consumer credit basics including examples of consumer credit, the consumer credit operations of a bank, and the credit application process.
Define basic categories of consumer credit and terminology
Explain how banks make money from loans including which rate types banks use, which factors determine loan pricing, and which loan cost categories affect loan profitability
Describe the credit evaluation and decision-making systems, namely the five C's of Credit and credit scoring
Summarize the impact of bank regulations upon the credit application process.

Course Credits:
AIB:0.5
ICB:7.25 CLBB
CEU:0.5

AIB Analyzing Bank Performance

Tue, 06 Jul 2010

Analyzing Bank Performance
7 week Online course

Member Price w/Textbook: $755
Nonmember Price w/Textbook: $960
Member Price w/oTextbook: $625
Nonmember Price w/oTextbook: $805

General Information on Online Courses
Questions? Contact Susan Clark at the IBA at 317/387-9380.

Course Length: 7 weeks
Course Credits: AIB: 2.0

Course Description: Analyzing Bank Performance provides participants with all of the tools needed to analyze their bank's financial performance. During this class, participants will analyze their own bank's performance. Audience: This course is designed for junior-level bank officers all the way up through CEOs who need the analytical tools to analyze their bank's performance. Learning Objectives: After successfully completing this program, you will be able to:

Identify the key balance sheet and income items for a bank
Use the Uniform Bank Performance Report to analyze their bank's performance over time and compare that with other banks
Identify the major factors affecting bank performance
Analyze the profitability of various lines of business within the bank using a variety of measures
Utilize the concepts of economic value added and the balanced scorecard in assessing their bank's performance
Identify the key drivers on non-interest income and non-interest expense and various strategies for managing them
Evaluate customer profitability within the bank

Note: Because of the rigorous nature of this course, there will be two (2) opportunities during the eight (8) weeks to ask questions of the instructor during pre-scheduled class conference calls. Participants who are unable to participate during these conference calls will have online access to the questions and answers after the call.

Textbook: Bank Management, 7th Edition, by Timothy W. Koch and S. Scott MacDonald, Thomson Learning 2009 is the required textbook and will be provided to participants. However, if you already have a copy of the textbook, you need not request another one.

Prerequisites: Participants should have previously taken a basic accounting course and must have experience using Microsoft Excel.

Meetings of the Mind: How to Hold the Best Meetings Ever

Wed, 07 Jul 2010

Meetings of the Mind: How to Hold the Best Meetings Ever

Webinar
Presented by Indiana Bankers Association
Wednesday, July 7, 2010 - 11:00 a.m. - 1:00 p.m. EST

Click here for a PDF registration brochure.

Program Content
Don't be chairman of the bored! Learn how to become the facilitator of lively and productive meetings. This workshop will help you get more out of your meetings by providing tips, techniques, and strategies that you can immediately apply. Learn how to set up winning agendas, get Customers to read advance mailings, improve attendance and decrease tardiness, liven up discussions, facilitate effectively, and get participants to more fully participate. You'll learn ways to handle the stickiest meeting situations—such as disarming hecklers—with ease! You'll learn the top 10 meeting mistakes and the 5 most effective tools for facilitating effective meetings. This workshop will help you turn ho-hum meetings into meetings that really hum!

Covered Topics:

Prepare for the meeting by asking eight key questions.
Develop effective strategies for chairing or leading a meeting
Start out on the right foot with an overview statement
Establish appropriate meeting ground rules
Use powerful phrases to keep things on track
Better understand body language
Establish a workable meeting agenda
Utilize a timekeeper to keep things focused
Foster group participation
Integrate presentations to account for multiple intelligences
Handle difficult meeting situations

Presenter: Margaret DeMarino
Margaret DeMarino is a corporate trainer, specializing in the area of written and verbal communication, supervisory skills, administrative training, and customer service. Known for her "fun and functional" approach, Ms. DeMarino offers workshops and webinars to a wide range of clients including, banks and financial institutions, manufacturing companies, state and federal government agencies, and others. Ms. DeMarino holds a B.A. in Communication Arts from the University of Dayton and was a Fellow of the Yale-New Haven Teachers Institute at Yale University. She also currently free-lances for the Hartford Courant.

Who Should Attend:
Anyone who runs meetings would benefit from this seminar.

What is a Webinar?
A Webinar is a seminar that you watch on your computer, via Internet, while listening to the content through your telephone. This offers you the opportunity to have a seminar at your location without any of the travel! The registration fee of $255 allows you access to one website “seat,” one telephone site license and all hand out materials. Webinars are live and allow time throughout for questions and answers. If you are unable to attend the Webinar but would like to have this information for training purposes, you may also purchase an audio CD, handout materials and a password to view the information online.

CAN’T ATTEND THE SCHEDULED TRAINING?
ORDER THE NEW, IMPROVED CD ROM*. As an added benefit, you may purchase the entire presentation on CD Rom. NEW! The new, improved CD Rom is complete with the audio and visual presentation from the original Webinar plus participant handouts. With this CD, you will have an “off-the-shelf” training program for those that were not able to attend the live seminar and for future training purposes. Affordable, professional training, when and where you choose! *CD Rom for PC use only

Registration Fee
Webinar
$255 Member $150 Each Additional Member Location
$510 Non-Member $300 Each Additional Non-Member Location

Webinar & CD-ROM
$375 Member $750 Non-Member

CD-ROM & Handout Training Material
$255 Member $510 Non-Member

Cancellation Policy
Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. If your bank is unable to participate after registering, you can also select to purchase an audio of the recorded presentation. To cancel please call Marlene Wells at the Indiana Bankers Association at 317-387-9380 or e-mail her at mwells@indianabankers.org.

Handling Dormant Accounts, Unclaimed Property and Escheatments

Wed, 07 Jul 2010

Handling Dormant Accounts, Unclaimed Property & Escheatment's

Webinar
Presented by Indiana Bankers Association Partnering with Financial Ed
Wednesday, July 7, 2010 - 3:00 - 4:30 p.m. EST

Click here for a PDF registration brochure.

PROGRAM CONTENT
There has been considerable attention recently on the large dollar amount of dormant accounts and unclaimed property held by financial institutions. The way dormant accounts and unclaimed property in safe deposit boxes is handled has come under attack by both consumers and state agencies that receive the unclaimed property. Escheat laws vary from one state to another. This webinar will not cover the specific escheat laws of each state, but it will cover the Uniform Unclaimed Property Act and its concepts. More importantly, this program will provide the tools that banks need to evaluate procedures/practices regarding dormant accounts and unclaimed property.

HIGHLIGHTS

When is an account considered dormant?
What fees can be imposed on dormant accounts?
Are federally-chartered financial institutions exempt from state law?
What are a financial institution’s requirements under the Uniform Unclaimed Property Act?
How should safe deposit boxes be handled?
Does your bank’s deposit share agreement or safe deposit agreement impose additional requirements?

WHY SHOULD YOU PARTICIPATE?
This session is a cost-effective way to learn about the various laws and regulations regarding dormant accounts and unclaimed property. You may train as many individuals as you like for one set price. There will be no travel costs, no time lost from work, and no one will be required to leave the institution.

WHO SHOULD ATTEND?
This informative session is designed to assist staff with the proper handling of dormant accounts and unclaimed property. Any personnel involved with deposit accounts and safe deposit boxes will benefit from this session.

ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA
Elizabeth Fast is a partner with Spencer Fane Britt & Browne LLP where she specializes in the representation of financial institutions. Elizabeth is the head of the firm’s training division known as Bankers Choice. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a customer of the Missouri State Banking Board by appointment of the Governor.

THREE REGISTRATION OPTIONS
1. LIVE WEBINAR
The LIVE WEBINAR registration option allows you to have one telephone connection for the audio portion and one internet connection (from a single computer terminal) to view online visuals as the presentation is delivered. You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number and pass code that will allow entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials will be sent prior to the broadcast along with hookup instructions. Your pin number, hookup instructions and handouts will be emailed to you. You will need the most current version of Adobe Acrobat Reader available free at www.adobe.com.

2. ON-DEMAND WEB LINK** AND FREE CD ROM*
Can’t attend the live webinar? The ON-DEMAND WEB LINK** is a recording of the live event including audio, visuals, and handouts. We even provide the presenter’s email address so you may ask follow-up questions. Within 5 business days following the webinar, you will be provided with a web link that can be viewed anytime 24/7 for the next 6 months. This link will expire 6 months after the live program date. But there’s more . . . AS AN ADDED BONUS, you will also receive a FREE audio/visual CD ROM.* The CD includes the original audio/visual presentation, the question and answer sessions, and the handouts. Use the on-demand link or this “off-the-shelf” training program for those that could not attend the live seminar and for future training.

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK** (INCLUDES FREE CD-ROM*)
Includes options 1 and 2 above

AFFORDABLE, PROFESSIONAL TRAINING, WHEN & WHERE YOU CHOOSE

*CD Rom for PC use only

**All materials are subject to copyright and intended for your bank’s use only.

Registration Fee
Live Webinar
$255 Member $150 Additional Branch Member

$510 Non-Member $300 Additional Branch Non-Member

On-Demand Web Link **And Free CD ROM**
$255 Member $510 Non-Member

Both Live Webinar & On-Demand Web Link **(Includes Free CD-ROM)**
$375 Member $750 Non-Member

The ALCO Process - Time For A Tune-Up?

Thu, 08 Jul 2010

The ALCO Process - Time For A Tune-Up?

Click here for a PDF registration brochure.

Webinar
Presented by Indiana Bankers Association
Thursday, July 8, 2010 - 11:00 a.m. - 1:00 p.m. EST

Program Content
During the past few years, it has become increasingly clear that our Asset Liability Management (ALM) Process is a critical factor for successful financial institutions. We will review the various critical components of a good ALCO Policy and spend time looking at each issue that should be addressed therein. Our goal is to make this complex process one that is understandable to those who do not participate directly in the ALM Process.

Please join us for this look at this critical bank function - all participants will receive a sample ALCO Policy.

Covered Topics:

Discuss the Structure and Focus of a good ALCO Policy.
Discuss the Types of A/L Committees.
Discuss the Membership of the ALCO process.
Review the essential components of an ALCO Policy.
Describe the logic for combining policies today.

Presenter: Karl Nelson
Karl Nelson is the President and CEO of KPN Consulting, an organization engaged in the ALCO, Funding, and Liquidity arena. His career has included positions as Director of Industry and Governmental Relations with Silverton Bank, President and Chief Marketing Officer of Institutional Deposits Corp (SR), and National Market Development Director for Promontory Interfinancial Network where he worked on national marketing strategies for the CDARS program.

In addition, Karl served as a Senior Vice President with the Federal Home Loan Bank of Atlanta from 1991 through 2002 where he managed the sales and marketing, strategic planning, and trade association/regulatory outreach efforts and served on the bank's ALCO. Prior to joining the Home Loan Bank, he was involved for eighteen years with various regional banks including Barnett, Florida National, AmeriTrust Company, Society National Bank, and FNB Atlanta. Karl began his banking career with Chase Manhattan Bank in 1972.

Karl serves on the faculties of the Graduate School of Banking in Madison, Wisconsin and Boulder, Colorado, the Graduate School of Bank Investments & Financial Management in Columbia, South Carolina, the Financial Managers School in Madison, the Asian Banking Academy, as well as the faculties of the state banking schools in Florida, North Carolina, and Tennessee. Mr. Nelson is an organizing Director and ALCO Chair for a de novo bank in North Carolina.

Who Should Attend:
This workshop is designed for those Directors, CEO's, CFO's and other Senior Managers who have an interest in learning more about this most important process.

Registration Fee
Webinar
$255 Member $150 Each Additional Member Location
$510 Non-Member $300 Each Additional Non-Member Location

Webinar & CD-ROM
$375 Member $750 Non-Member

CD-ROM & Handout Training Material
$255 Member $510 Non-Member

Debit Card Issues: Breaches, Resolving Errors and Other Concerns

Thu, 08 Jul 2010

Debit Card Issues: Breaches, Resolving Errors & Other Concerns

Webinar
Presented by Indiana Bankers Association Partnering with Financial Ed
Thursday, July 8, 2010 - 3:00 - 4:30 p.m. EST

Click here for a PDF registration brochure.

PROGRAM CONTENT
Your debit card franchise is poised for rapid growth in 2010 and beyond . . but so are identity theft, data breaches, and card regulation. Are you ready?

Last year, debit and prepaid card transactions grew 13% as consumers migrated in droves from “pay later” to “pay now.” But last year also saw the biggest card breach in history and the first real threat to the integrity of PIN security as criminals successfully reversed HSM encryption at RBS/Worldpay. Revisions to Reg E, ongoing implementation of the CARD Act, and the evolution of PCI rules also present major challenges & opportunities for card-issuing community banks. Learn what your bank should do strategically and tactically to protect its fastest-growing payment franchise and the customers who use it.

HIGHLIGHTS

Debit card security update: End-to-End (E2E) Encryption vs. Tokenization vs. EMV
Regulatory Update: Title IV of the CARD Act and PCI
Fee income threats: Bank of America, overdraft opt-in for one-time debits, shift to PIN
Resolving debit errors: hold-triggered overdrafts (signature vs. PIN)
Deputizing customers in the fight against fraud: one- and two-way mobile text alerts
The future of debit: online PIN debit, EMV and P2P
Next steps: top 5 debit moves for 2010

WHY SHOULD YOU PARTICIPATE?
This session is a cost-effective way to brief and train bank staff on the strategic, security, and regulatory challenges facing your fastest-growing payments franchise: debit and prepaid cards. You may train as many individuals as you like for one set price. There will be no travel costs, no time lost from work, and no one will be required to leave the institution.

WHO SHOULD ATTEND?
This informative session is designed for bank management; operations/marketing officers; and staff responsible for managing credit/debit card programs and other payments services/initiatives.

ABOUT THE PRESENTER – Lee Wetherington
Lee Wetherington is Director of Strategic Insight for ProfitStars, a division of Jack Henry & Associates, Inc.®, and provider of best-of-breed solutions that improve the performance of community banks using any core system. Lee directs the development of actionable insight and strategy for the financial services industry. To this end, he develops programs, presentations, and articles designed to orient & educate financial institutions on the trends & implications of new technologies. He delivers keynotes nationwide and serves as the Technology Faculty Chair for several regional banking schools.

In addition, Lee has authored numerous articles for financial trade periodicals, including Independent Banker and ABA Bank Marketing. He received bachelor degrees in Economics and English from Duke University in 1990. In 1995, he earned the distinguished Accredited ACH Professional (AAP) certification from the National Automated Clearing House Association (NACHA).

3. BOTH LIVE WEBINAR AND ON-DEMAND WEB LINK** (INCLUDES FREE CD-ROM*)
Includes options 1 and 2 above

AFFORDABLE, PROFESSIONAL TRAINING, WHEN & WHERE YOU CHOOSE

*CD Rom for PC use only

**All materials are subject to copyright and intended for your bank’s use only.

Registration Fee
Live Webinar
$255 Member $150 Additional Branch Member

$510 Non-Member $300 Additional Branch Non-Member

On-Demand Web Link **And Free CD ROM**
$255 Member $510 Non-Member

Both Live Webinar & On-Demand Web Link **(Includes Free CD-ROM)**
$375 Member $750 Non-Member

Consumer Lending for Commercial Lenders

Fri, 09 Jul 2010

AIB Economics for Bankers

Mon, 12 Jul 2010

Economics for Bankers
16 week Online course

Member Price: $415
Nonmember Price: $515
Questions? Contact Susan Clark at the IBA at 317/387-9380.General Information on Online Courses

Course Length: 16 weeks

Course Credits: AIB: 3.0; ICB: 45 (CLBB, CFTA [INV] or CSOP)

Course Description:

This program introduces you to the fundamental principles of economics. Special emphasis is placed on macroeconomics and topics of importance to you as a banker. The course covers the basics of economic theory and includes examples of the application of economics to banking.

Audience:

Bank personnel who have not had a formal course in Economics and wish to increase their understanding of economics as it relates to banking.

Learning Objectives:

After successfully completing this program, you will be able to:

Understand the meaning of economic terminology and the discipline of economic reasoning
Follow economic news and analyze important economic questions
Locate and obtain economic data and information and use it to examine economic questions
Apply economic principles to important questions in the financial services industry
Use basic graphing and graph interpretations skills to examine economic questions
Understand the major economic policy problems faced by government: economic growth, unemployment, inflation, and budget deficits and debt
Understand the aggregate demand/aggregate supply model and its importance in examining major economic policy problems
Recognize major economic policy controversies and the various schools of thought associated with them

Textbook: Economics: Fundamentals for Financial Services Providers, 3rd edition, 2006, ABA

Prerequisites: None
Required Software: None

ACE College Credit Recommendation: In the lower division baccalaureate/associate degree category, 3 semester hours in Economics or Social Science elective

AIB Intro to Mortgage Lending

Mon, 12 Jul 2010

Intro to Mortgage Lending
16 week Online course

Registration Deadline is one week prior to start date

Member Price: $415
Nonmember Price: $515
General Information on Online Courses

Questions? Contact Susan Clark at the IBA

Audience:

Financial service professionals who want a broad overview of mortgage lending including those who intend to pursue a career in mortgage lending (business development, underwriting, processing) and those individuals who recently joined a mortgage lending department.

Course Description:

Mortgage lending by America's banks is one of the greatest success stories in the history of financial services. Particularly in the area of home mortgage lending, the creativity of our country's financial services sector has delivered enormous benefits to the average American. As a result, our country has a homeownership rate among the highest in the world. And our banking industry, in the course of providing credit to homeowners, has created jobs for thousands of loan officers, underwriters, loan processors, and loan servicing professionals. Both banks and their customers have benefited greatly from the innovation and growth in the mortgage lending sector.

Learning Objectives:

After successfully completing this program, you will be able to:

Discuss the involvement of commercial banks and other financial institutions in the real estate industry
Explain how property is transfered from one owner to another and the legal implications of transfer of property
Identify the principle federal laws that apply to origination of home mortgage loans
Explain the cost approach, market data approach, and income capitalization approach to real estate lending
Describe the basic procedures involved in purchasing and selling residential property
Understand the various functions and responsibilities of the loan servicing department
Describe the organization, principal participants, and basic operations of the secondary mortgage market
Identify government agencies and government-sponsored agencies that interact to further home ownership
Explain why banks loan money on the security of income-producing property

Textbook:Course Credits: AIB: 3.0; ICB: 45 (CLBB or CTFA [INV])

Introduction to Mortgage Lending, 3rd edition, 2009, ABA

Topics

The topics to be covered are as follows:

The Business of Mortgage Lending
Introduction to Real Estate and Mortgage Law
The Law of Residential Real Estate Lending
Determining Property Values
Financing Residential Real Estate
Servicing Residential Mortgage Loans
The Secondary Mortgage Market
Government Involvement in Mortgage Lending
Construction Lending and Land Development Lending
Investing in Residential Real Estate

Prerequisites:

None

Required Software:

None

Indiana Bankers Association

How to Comply with Regulation Z's Rescission Rules

AIB Fundamentals of Consumer Lending

Fundamentals of Consumer Lending 5 week Online course

Member Price: $250 Nonmember Price: $315 General Information on Online Courses Questions? Contact Susan Clark at the IBA

AIB Analyzing Bank Performance

Analyzing Bank Performance 7 week Online course

Member Price w/Textbook: $755 Nonmember Price w/Textbook: $960 Member Price w/oTextbook: $625 Nonmember Price w/oTextbook: $805 General Information on Online Courses Questions? Contact Susan Clark at the IBA at 317/387-9380.

Meetings of the Mind: How to Hold the Best Meetings Ever

Handling Dormant Accounts, Unclaimed Property and Escheatments

The ALCO Process - Time For A Tune-Up?

Debit Card Issues: Breaches, Resolving Errors and Other Concerns

Consumer Lending for Commercial Lenders

AIB Economics for Bankers

AIB Intro to Mortgage Lending

Intro to Mortgage Lending 16 week Online course

Member Price: $415 Nonmember Price: $515 General Information on Online Courses

Audience:

Fundamentals of Consumer Lending
5 week Online course

Member Price: $250
Nonmember Price: $315
General Information on Online Courses
Questions? Contact Susan Clark at the IBA

Analyzing Bank Performance
7 week Online course

Member Price w/Textbook: $755
Nonmember Price w/Textbook: $960
Member Price w/oTextbook: $625
Nonmember Price w/oTextbook: $805

General Information on Online Courses
Questions? Contact Susan Clark at the IBA at 317/387-9380.

Intro to Mortgage Lending
16 week Online course

Member Price: $415
Nonmember Price: $515
General Information on Online Courses