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 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
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
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 […]
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
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
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
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
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
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
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 […]
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
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
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
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
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 […]
Objective:This session focuses on the relationship building process to identify how to gain the trust of your client, gain a larger share of wallet, and present solutions that solve your clients’ needs. Key Skill Transfers/Takeaways: Mastering pre-call planning. Learning to call virtually or in-person on the right (most profitable) clients and prospects. Building relationships with […]
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: Presents opportunities […]
Come join us at the Triangle RMA and NC Emerging Leaders Spring Networking Event for a great opportunity to connect with professionals in the area!
