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
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
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
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
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
Commercial loan officers, private bankers, junior commercial real estate lenders, and other banking professionals who need to understand the basic concepts of commercial real estate lending will benefit from this webinar.
This workshop will be advantageous to anyone with hands-on responsibilities for Fair Lending and/or Community Reinvestment Act compliance as well as those handling loan adverse actions and loan exceptions. This can include loan officers, loan processors responsible for denials and/or second review, compliance officers, and auditors.
This session is ideal for employees from financial institutions who are involved in CECL processes. ARCSys Technologies, LLC DBA assures that the program content and program level for this course are appropriate for the intended participants.
These rules impact anyone in your institution who has direct dealings with customers, such as Customer Service Representatives and tellers. But others are impacted as well, like loan officers and others who make important customer-related decisions. Compliance officers, auditors, attorneys, and management too will benefit from this information, as well, as they often are the ones who must draft these complex programs, administer them, and audit them.
This course is ideal for lenders, loan assistants, loan operations personnel, credit analysts, and personnel involved in loan review, internal audit, and compliance.
Commercial loan officers, private bankers, junior commercial real estate lenders, and other banking professionals who need to understand the basic concepts of commercial real estate lending will benefit from this webinar.
If you’re a loan officer, loan assistant, or part of the loan operations or Call Report preparation team, this webinar is your chance to sharpen your skills and stay ahead of the game. Even seasoned Call Report preparers, reviewers, and auditors will uncover insights to boost their accuracy and efficiency. This two-hour power session is also a perfect way to complement your annual comprehensive Call Report training – regulators recommend it, and your career will thank you for it.
This session is ideal for chief executive officers, chief operating officers, loan committee board members, senior credit and lending officers, commercial loan officers, small business loan officers, loan review personnel, staff accountants, and credit administration personnel.
This session is ideal for commercial lenders, credit analysts, small business lenders, middle market lenders, private bankers, loan review specialists, special assets officers, lending managers, and credit officers.
Anyone in the institution having compliance responsibilities – when you think about this, it could be just about anyone in the institution. This may include members of senior management, operations personnel, lending personnel, underwriters, customer service representatives, back-room personnel, and of course compliance officers, auditors, and attorneys, and anyone else in the institution that might benefit from this valuable information.
This session is ideal for commercial lenders, credit analysts, and support staff that deal directly with commercial construction loans, as well ass mortgage bankers, private bankers, small business lenders, loan review specialists, special assets officers, lending managers, and credit officers indirectly involved in the construction lending process.
These rules impact anyone in your institution who has direct dealings with customers, such as Customer Service Representatives and tellers. But others are impacted as well, like loan officers and others who make important customer-related decisions. Compliance officers, auditors, attorneys, and management too will benefit from this information, as well, as they often are the ones who must draft these complex programs, administer them, and audit them.
This session is ideal for financial institution legal counsel, managers, supervisors, notaries, and potential new notaries.