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Bank Accounting: Boot Camp on the Basics – 5 Part Series

An overview of the Accounting Standards Codification (ASC) and the concept of Generally Accepted Accounting Principles in the United States (U.S. GAAP) and the role of the Financial Accounting Standards Board (FASB)Examples and exercises to illustrate accounting transactions for major asset, liability, equity, income, and expense items will play a significant role in the learning experience
Discussions related to basic and important internal controls with description of why controls are important to the overall accounting and financial reporting process of the institution
The basic concept of consolidation accounting with sample eliminating entries will be provided
Take-away accounting exercises will be provided to participants after each session
The presentation materials and the extensive exhibit take-aways provide a future reference source to all participants on the accounting topics covered

Writing Procedures for Personal and Business Accounts: CIP/CDD, Risk, TIN Reporting

Review federal laws we have to cover in the opening of accountsLearn the different ownership types that we should set up sample signature cards and screenshots for
You will receive a checklist for documents for every type of business and nonprofit accounts
How to set up a manual like this if you are in more than one state
What questions should we ask and research for state law purposes
You will receive a template to start the hard work and lots of guidance to help you in the process

Active Listening Unlocked: A Leadership Workshop (1.5 SHRM-CP Credits)

Analyze your listening skills and identify areas of strength and areas for improvementExamine the five key principles of active listening
Gain skills in reading and interpreting body language to identify nonverbal cues
Develop the ability to stop interrupting and refrain from making premature judgments
Explore the “magic skill” of validation and how it elevates trust in a relationship

What to Do When a Customer Dies

Documents required upon the death of an individual
Actions to be taken on deposit accounts owned by the decedent
How to deal with the decedent’s estate or lack thereof
How to handle death as a default on a loan
Mortgage servicing rules that impact consumer mortgage loans after death
What to know about doing business with the borrower’s estate

Dealing with Appraisals and Valuations: Regulations and Requirements, including Recent Developments – Part 1 (2 Part Series) (5 CRCM Credits)

What is an appraisal? What is an evaluation? What is the difference?
What are the requirements of an appraisal? What does it look like?
When must we get what? Exemptions, threshold amounts, and evaluations (including when you don’t need anything at all)
Selecting the appraiser: Who does this? Who can do it?
Board of Director responsibilities and the approved appraiser list
Appraiser selection criteria – licensed vs. certified
Independence of the appraisal function
Readdressed and transferred appraisals

Call Report Loan Activities and Lending Schedules – Part 1 (2 Part Series) (4 CPE Credits)

RC: How to report your loan portfolioRI: Properly reporting loan income
RC-C: Loan classifications and type codes
RC-C: Memoranda: Reporting modified loans
RC-K: Reporting average balances of loans
RC-L: Reporting unused commitments and letters of credit
RC-M: Reporting insider loans
RC-N: Reporting past due loans, non-accrual loans, and modified loans
RI-B: Charge-offs, recoveries, and changes in the ACL
RI-C: Reporting the ACL

2025 BSA & AML Update Seminar w/ Patti Joyner

PROGRAM INFORMATION Patti Joyner is returning to lead our compliance experts through the various updates in BSA and AML. Expand your sta?’s understanding and expertise in some of the most critical skills they will ever possess – skills that can protect your profits in these very challenging times of tight margins and sustained high expectations! Exam […]

Call Report Loan Activities and Lending Schedules – Part 2 (2 Part Series) (4 CPE Credits)

RC: How to report your loan portfolioRI: Properly reporting loan income
RC-C: Loan classifications and type codes
RC-C: Memoranda: Reporting modified loans
RC-K: Reporting average balances of loans
RC-L: Reporting unused commitments and letters of credit
RC-M: Reporting insider loans
RC-N: Reporting past due loans, non-accrual loans, and modified loans
RI-B: Charge-offs, recoveries, and changes in the ACL
RI-C: Reporting the ACL

CRE Appraisals: Components, Approaches to Value & Cap Rates

Types of appraisals by formatWhat to look for within the assumptions and limiting conditions
Property ownership interests clarified (fee simple, leased fee, etc.)
Highest and best use of the property
Approaches to value
Cost approach and information useful in the underwriting and loan structuring process
Income approach options of discounted cash flow (DCF) and direct capitalization

Security Awareness Training: Best Practices for Keeping Your Employees Engaged

Cyber Threat’s New NormalPeople, Process, and Technology – which is the weakest link?
Compliance-based vs. Proactive Security Awareness Training
Building an Effective Security Awareness Training Program (for all areas of your organization)
Topical Training Ideas
Why Accountability Matters Most

Deposit Operations: First Quarter Update

Who is liable to whom on checks? Altered, forged, and fraudulent itemsRule 9
Regulation CC Inflation Changes
FDIC Logo, Advertising, and Digital Changes
Regulation E Unauthorized Transactions, Stop Payments, and Reopening Closed Accounts
IRA Update: Domestic Abuse, Emergency Savings, Terminal Illness exceptions and repayments
Nonresident Alien Interest Reporting
Overdrafts and Junk Fees

Converting Accrual Financial Statements Into Cash Flow

Obtain a good understanding of how to convert an accrual basis financial statement into cash flowKnow how to interpret and explain cash flow analysis to determine the debt repayment capability of the entity
Know the types of companies prone to utilize cash basis financial statements and why
Be able to compare various methods to calculate cash flow including the Uniform Cash Analysis (UCA) Method, EBITDA, and Traditional Methodologies, and their advantages/disadvantages
Know the rules of cash flow required to perform the conversion from accrual to cash
Be exposed to the Fast Cash Analysis method which can get you to the same results in less time

Opening New Accounts – Part 1 (3 Part Series)

6-Step Account Opening ProcessTIN Compliance
Personal Account Ownership Overview
Personal/Consumer Account Difficult Scenarios
Opening Accounts for Minors – UTMA
Who Can Access An Account During Lifetime And At Death

Frontline Branch Series: Wowing the Client

The Frontline Branch Series is for retail staff in the branches, or staff wanting to move into the branches. These professionals may be new hires, new to the field, or professionals with years of experience. They are the emerging professionals who want to become qualified to move laterally or forward in the organization.Objective: Addresses the […]

Dealing with Appraisals and Valuations: Regulations and Requirements, including Recent Developments – Part 1 (2 Part Series) (5 CRCM Credits)

Utilizing existing appraisals: Criteria for acceptance
Appraisal Management Company (AMC) requirements
Reg. Z valuation rules: When are they applicable?
Avoiding coercion and undue influence of appraisers
Reg. Z’s “flipping” rule: Obtaining a second appraisal
Reg. B rules: Disclosure and copies
Appraisal bias: What to look for
The Property Appraisal and Valuation Equity (PAVE) taskforce: Recommendations and future changes

Opening New Accounts – Part 2 (3 Part Series)

Business Account DocumentationResolutions – Purpose and Proper Completion
Business Taxation Options and Why We Have To Care
Sole Proprietorships
General, Limited, Limited Liability, and Limited Liability Limited Partnerships
Limited Liability Company and Series LLC
Determining LLC Business and Tax Classification
Profit and Non-Profit Corporations
Understanding Sub-Chapter S Corporations (S-Corps)
Non-Profit Associations, Social Clubs, and Charitable Organizations

AI 101: What You Need to Know about AI and Banking Today

Types of Artificial Intelligence and their Inherent RisksAI WINS
Strategic Considerations and Use-Cases of AI in banking
Risks and Threats of AU (including the strategic risk of NOT using AI)
Mitigating AI Risk
Vendor Management of AI
How to Get Started Using AI

Opening New Accounts – Part 3 (3 Part Series)

Defining Trustee, Personal Representative, and Fiduciary Roles and ResponsibilitiesTIN Compliance for Trust, Minor and Fiduciary Accounts
Proper Account Titling
Formal vs. Informal Trust Comparison
Key Questions to Ask When Setting Up Trust Accounts
Six Pieces of Required Information For all Trust Accounts
Revocable vs. Irrevocable Trust Accounts
Payable on Death (POD)
As Trustee For, In Trust For, Totten Trusts
Minor Accounts

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2025 Carolinas Bank Directors and Executives Summit

Join us for the 2025 Carolinas Bank Directors and Executives Summit, a premier event dedicated to helping bank directors and management teams from across the Carolinas stay informed, strategic, and competitive. Hosted by the North Carolina Bankers Association, the North Carolina Commissioner of Banks, the South Carolina Bankers Association, and the South Carolina Commissioner of […]