Join WBA for this complimentary, one-hour webinar, presented by Marc Gall and Kent Musbach from BOK Financial Capital Markets.
About the webinar:
Bankers are facing the most inverted yield curve in over 30 year (if not ever!). With margins under pressure, there are no easy decisions. At this session, we will discuss the current rate environment, liquidity management and actions to consider for short term and long term success at your institution.
About the Speakers – Marc Gall & Kent Musbach
Marc Gall currently serves as a Vice President of BOK Financial Capital Markets. His primary responsibilities include managing the asset/liability modeling and consulting practice, developing balance sheet strategies for community banks, facilitating ALCO meetings and investment portfolio management. Prior to joining BOK, he worked at Nexity Bank, M&I Bank and Strong Capital Management. Mr. Gall is a graduate of the University of Wisconsin, La Crosse, where he earned a bachelor’s degree in Finance and Economics. He also earned his M.B.A. from Marquette University and completed the Graduate School of Banking at UW-Madison in 2015.
Kent Musbach currently serves as Senior Vice President of BOK Financial Capital Markets and is responsible for asset/liability and investment portfolio management for clients. Mr. Musbach also advises clients on loan and deposit pricing strategy. In addition, he works with clients to produce annual budgets, capital planning and liquidity management. Mr. Musbach has been in banking for nearly 30 years with experience in retail, lending, investment portfolio management and asset/liability management. He is a graduate of Marquette University with Bachelor of Science in Finance.
Register Your Team Today!
While there is no registration fee for this complimentary member webinar, we do ask that members register one attendee for each planned webinar connection, to assist with our planning and to ensure sufficient webinar capacity.
This webinar will be broadcasted via the Zoom Webinar platform. Audio will be available via your computer/device or via call-in number. A recording of this webinar will be made available following the live presentation.
The WBA Branch Manager Boot Camp will include 4 virtual half-day sessions. Sessions will be held on Zoom from 8:00–11:00 a.m. CT on May 24; June 21; July 19; August 23.
About the Program:
Want to grow your total assets in excess of 20% year-over-year? Wish to grow your deposit base by more than 20%? Then consider an investment in training your branch managers in our Branch Manager Bootcamp!
What does your branch have that alternate branch channels and non-bank competitors don’t? The branch has you and your people. As the number of branch transactions continues to fall, community banks and credit unions must reassess the role of the branch manager. Companies must invest in the manager, giving him or her the right people, tools, client goals, and sales goals, and step back and watch the results change into a dynamic source of profitability.
This exciting, four-part series will focus on the next generation manager who will be leading the transition to client relationship management, and to managing an active advisory environment for the client to achieve financial goals. The next generation manager will be leading this vital transformation.
The program will focus on the critical skills and expectations that need to be developed to ensure that the next generation branch manager will exceed expectations and goals set for him or her. Participants will engage in discussions, small group activities, and skills practices to ensure that ideas are shared and learning is entertaining and adopted.
Who Should Attend?
New and experienced Branch Managers, Assistant Branch Managers, Teller Supervisors, Lead Frontline Professionals, and any professional aspiring to lead the team in a retail branch.
Suitable for anyone who wants to learn more about the commercial lending process — the backbone of most banks’ lending portfolios.
The required textbook for this course is Commercial Lending, 7th Edition.
IMPORTANT: Be sure to order the required book for this course. We recommend that you FIRST select and add your course session to the shopping cart, then select your preferred format of book from the “Recommended Training” options that appear alongside the shopping cart.
The Commercial Loan Documentation checklist typically lists “Evidence of Insurance”. Don’t check that off your list without making sure you have reviewed the Certificate of Insurance and assessed your borrower’s coverage. This fast-paced program will discuss the many different types of insurance coverage for commercial businesses including those which can be included in the general terms “comprehensive” and “general liability” as well as specialized types of coverage based on the business sector in which your borrower operates. Collateral protection insurance, including valuation of a loss claim, co-insurance requirements and contractual provisions addressing the lender’s right to proceeds will be covered. Issues such as deductibles and self-insurance will be discussed. The methods for obtaining and perfecting liens on insurance policies and insurance proceeds, including key person life insurance, will also be reviewed.
What You Will Learn
Reasons for Requiring Insurance
Governmental Insurance Requirements
Commercial Property Insurance: Claims and Common Exclusions
Deductibles
The Lender’s Security Interest in Policies and Proceeds
Claim of Lender as Lender’s Loss Payee or Co-Loss Payee
Co-Insurance Issues and Reductions
Green Insurance
Flood Insurance
Lease Insurance: Residual Value and Enhancement
Self-Insurance
Commercial General Liability (CGL): Coverage A, B and C
Business Interruption Insurance
Professional Liability Insurance
Errors and Omissions Policies
Coverage for Officers & Directors
Employment Practices Liability Insurance (EPLI)
Data Breach & Cyber Liability Insurance
Coverage for Business Autos
Examples of Optimum Coverage for Various Types of Commercial Businesses
Certificates of Insurance and Borrower Reporting Requirements
Key Person Life Insurance
Who Should Attend?
This program will benefit commercial loan officers, as well as compliance and loan documentation team members.
Presenter
Robin Russell has practiced law for 30 years and is licensed in Texas, New York and Massachusetts. She is a fellow in the American College of Bankruptcy and of the American Law Institute. She combines a depth of experience in bankruptcy restructuring and litigation with financial transactions. She has represented corporate debtors, independent directors, liquidating trustees, bondholders, unsecured creditors’ committees, bank groups, private equity funds, landlords, trade creditors and bidders for estate assets in Chapter 11 and Chapter 7 bankruptcy proceedings. She has also represented banks, institutional lenders and corporate borrowers in commercial loan transactions and debt restructurings.
Robin is the principal author of Thomson Reuters’ Texas Practice Guides for both Creditors’ Rights and Financial Transactions and the Texas Bankers Association’s Texas Secured Lending Guide, Texas Problem Loan Guide, Texas Real Estate Lending Guide and Texas Account Documentation Guide. She is a frequent speaker on banking, bankruptcy and financial restructuring related topics and has served as a Chapter 7 Trustee. Robin received her LL.M. in Banking Law from Boston University and her J.D. from Baylor University where she was Editor-in-Chief of the Baylor Law Review and the highest ranking graduate in her class. She clerked for the Texas Supreme Court before beginning her legal career.
For 27 years, Anthony Cole Training Group has been helping banks and other financial service organizations close their sales opportunity gap by helping them sell better, coach better and hire better. Our Mission: Grow People, Grow Organizations.
Registration Options
$279 Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts
Available Upgrades
12 Months OnDemand Playback $110
12 Months OnDemand Playback + Digital Download $140
Additional Live Access $85 per person
The past few years have seen significant developments in real estate appraisals and evaluation rules and regulations. Revised Interagency Guidelines, new rules under Reg Z, additional requirements finalized due to Dodd-Frank, and changed thresholds and proposed some additional exceptions from the requirements. We’re also awaiting new rules on Automated Valuation Models, or AVMs. We’re also hearing quite a bit lately on racial bias in appraisals, and this promises to be a hot topic for some time to come.
Because breakdowns in appraisal practices have been partly blamed for the mortgage crisis more than ten year ago, regulators raised their expectations, lenders’ appraisal and evaluation programs must include more elements than ever before. Some themes now emphasized by the agencies are independence of the appraiser, and evaluator, reviews, and qualifications. There are also restrictions against using AVMs (automated valuation models), BPOs (broker price opinions), and tax valuations that have upset many in the industry.
Do you know the requirements? We’ll provide in-depth 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 need.
Dealing with Appraisals: Regulations and Requirements has been approved for 2.5 CRCM credits.
What You’ll Learn
- What is an appraisal? What is an evaluation? What is the difference?
- Exemptions, threshold amounts, and appraisals in rural areas
- CFPB mortgage regulations under Reg Z – additional requirements for certain loan types
- Regulations and Interagency Guidelines – requirements for lenders and brokers
- Coming new rules for AVMs
- Clarified independence requirements and their importance to examiners
- The many forms of appraisals and evaluations – what can you use and when? AVMs and BPOs aren’t what they used to be
- Can you accept a previous appraisal? Dealing with “”readdressed”” and “”transferred”” appraisals
- USPAP rules and standards – how do appraiser rules influence what lenders must do?
- How to achieve appraiser independence – you’ve got to prove it
- Anti-coercion and undue influence provisions of Reg Z – what can you NOT do (or say)?
- Racial bias in appraisals – what does this mean to the lending industry?”
Who Should Attend?
Real estate lenders, compliance officers, auditors, underwriters, appraisers (in-house or external), closing agents, management, and anyone else involved in the real estate or residential lending process with a need to understand the current state of appraisal regulation and requirements.
Presenter
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.
Registration Options
- Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
- Available Upgrades:
-
- 12 Months OnDemand Playback + $110
- 12 Months OnDemand Playback + Digital Download + $140
- 12 Months OnDemand Playback + CD + $140
- Additional Live Access + $85 per person
This webinar will walk you through the compliance maze related to Ability to Repay, Qualified Mortgage, High Cost & Higher-Priced Mortgage Loans.
Regulation Z has a whole lot of requirements for loans deemed to be a Qualified Mortgage, High Cost Mortgage or a Higher-Priced Mortgage. It also requires you to verify a borrower’s Ability to Repay on certain types of loans. Keeping all these rules straight can be quite a challenge to say the least. This webinar will look at each requirement, break it down and tell you what you need to know and how to maintain compliance!
The “Ability to Repay, Qualified Mortgage, High Cost & Higher-Priced Mortgage Loans” webinar has been approved for 2.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for Live attendance only. Certification holders must report these credits at https://aba.csod.com.
What You’ll Learn
- All About the Ability to Repay Requirements
- The New General & Seasoned QMs
- Policy & Procedure Recommendations and Requirements
- Small Creditor Categories, Criteria & Status Transitions
- Small Creditor Portfolio & Balloon QMs
- QM vs. Non-QM Risk
- HCM Loans – What to Look for & Avoid
- HPML Criteria & Effects (Exceptions, Balloons, Escrows, Appraisals, etc.)
- Your Questions, Plain English Answers & Much More!
Who Should Attend?
This webinar is designed for consumer real estate loan officers, loan processors, compliance and audit personnel.
Presenter
Jerod Moyer is the leader of Banker’s Compliance Consulting’s training productions. He is a nationally recognized speaker. Whether it’s a conference, seminar, school, webinar or luncheon, it’s easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Jerod has spoken on behalf of the American Banker’s Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.
Jerod likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!
Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279
- Available Upgrades:
- 12 Months OnDemand Playback + $110
- 12 Months OnDemand Playback + Digital Download + $140
- 12 Months OnDemand Playback + CD + $140
- Additional Live Access + $85 per person
Call Centers create a competitive advantage for organizations that learn to create them well; whether there are two or two hundred people answering calls. In most instances, calls are answered by an (AVRS) automated voice response system allowing the caller to participate in determining where they need to be routed. This streamlines the process; routing the person to the agent best suited to assisting the caller. While this process makes sense for the business, do callers become frustrated with being stuck in an endless loop of options to choose from so that when an agent comes on the line they are met by a frustrated caller?
There are three key factors that must be present in order to deliver on an exceptional Call Center experience for members. The Call Center must employ effective people, have effective internal processes and have effective information technology. The primary focus for Call Center managers is to learn how to make these key factors work together effectively to deliver on the promise of a world class service delivery proposition.
Covered Topics
- Establish training curriculum for Call Center Agents
- Determine and Institute a Call Flow Guide
- Create a motivational work environment
- Build consistency between agents
- Decrease member dissatisfaction
- Reduce excessive call times
- Practice Coaching techniques that increase agent performance
Who Should Attend?
Call Center Managers, Trainers, and Supervisors will all benefit from this webinar.
Presenter
Janice Branch has been a senior training consultant for InterAction Training for twenty years. She is a very seasoned presenter that has all the right stuff to wow her participants about the subject matter. Prior to joining InterAction Training, Branch was the Senior Manager of Training for Consolidated Communications where she managed, designed, coordinated and presented training programs for this multi-state telecommunications company with over 1000 employees.
Whether it is teaching how to coach, manage, lead, negotiate, service, sell or train at every level in an organization or if it is consulting on problem solving and servant leadership, Branch is the “go-to” person every bank wants to hear from. Participants appreciate her “been there, done that” humor along with her expert ability to facilitate learning.
Branch has obtained a Bachelor of Business Administration with a major in Management from Almeda University and is certified by the University of Houston in Leadership and Management. In addition, Branch has obtained trainer certifications from Achieve Global and Development Dimensions, Inc.
A native Texan she enjoys many pursuits in addition to teaching and learning but none more than being a grandmother and tending to her ten acre home in Montgomery, Texas just north of Houston.
Registration Options
Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
Available Upgrades:
- 12 Months OnDemand Playback + $110
- 12 Months OnDemand Playback + CD + $140
- Additional Live Access + $85 per person