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Adverse Action Compliance Workshop (3 CRCM Credits)

How and when to notify applicants when denying a loan applicationHandling withdrawn applications
Processing counteroffers
Common errors and audit findings in the adverse action process
Second reviews of adverse action notices for dual purposes
The interplay of ECOA and FCRA for adverse actions
Current requirements for business applications and an outline of pending small business application handling (can you say 1071?)
Ideas/tips/tools from other bankers to try in your bank

The UCC for Lenders

Overview and UCC definitionsArticle 9 secured transactions
Perfection and attachment
Rules of priority
UCC forms and how they work: UCC-1, UCC-3, UCC-5, UCC-11
Common mistakes: debtor names, collateral descriptions, filing locations
Titled assets
Special rules for intellectual property
Special filing offices

CRE Appraisals: Regulations and the Review Process

Overview of guidelines and issues critical to CRE appraisalsThe five minimum standards and what they really mean
Types of reviews, as suggested by the guidelines
Administrative/compliance review, plus a sample checklist
Technical/internal review, plus a sample checklist
Outside/third-party review, plus sample comments
Ideas for setting dollar limits
Ideas for screening for Uniform Standards of Appraisal Practice (USPAP) as of Jan. 1, 2020
Appraisal review outcomes and when to request revisions

The Right of Setoff: What Institutions Need to Know

The legal requirements to create a right of setoff
The difference between a contractual right of setoff and a statutory right of setoff
The differences between setoff, garnishment, and foreclosure of security interest, and why these terms are frequently misused
What happens when a third party is competing with your financial institution’s right of setoff
How the automatic stay in bankruptcy affects the right of setoff

How to Craft an Effective Commercial Loan Write-Up

Review effective commercial loan write-upsDiscuss types, styles, and components parts
Cover the financial analysis section
Assess the company’s strategic plan and management’s strengths/ weaknesses
Analyze the risk assessment and mitigation section as a summary of the loan presentation
Summarize the concepts by reviewing three loan write-ups

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

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