Credit Skills Workshop
The 2008 Credit Skills Workshop is designed to meet the needs of bankers new to lending and those bankers needing an update and/or refresher on essential skills of safe and sound loan decision making.
Nationally-known banking expert Bob Ullom will discuss the role and importance of Loan Policy and offer an overview of credit essentials. Other topics of discussion will include essential tools of spreading financial statements, common sizing, industry averages and ratio analysis. Business financial statement and cash flow analysis will also be addressed.
The one-day seminar will take place on Thursday, March 27 at the Hilton Garden Inn, Johnston. More information and a registration form is provided in this week’s edition of Extras. You can also register online at www.iowabankers.com. For more information contact the IBA’s Pam Peterson at 800.532.1423 or e-mail pampeterson@iowabankers.com.
Secured and Advanced Secured Loan Documentation Seminars
Plan to attend one or both of the upcoming seminars on Secured Loan Documentation and Advanced Secured Loan Documentation March 25-26 at the Hilton Garden Inn, Johnston.
The Secured Loan Documentation seminar will take place on Tuesday, March 25 and will explain practical, effective loan documentation principles and practices.
The Advanced Secured Loan Documentation seminar will take place on Wednesday, March 26 and is intended for those who have a basic understanding of loan documentation and wish to refine their skills.
More information and a registration form is provided in this week’s edition of Extras. You can also register online at www.iowabankers.com. For more information contact the IBA’s Pam Peterson at 800.532.1423 or e-mail pampeterson@iowabankers.com.
Upcoming Webinars
Opening Deposit Accounts Web Seminar Series
These Web seminars are for frontline personnel who routinely open deposit accounts and those who supervise, audit or review the process. Content is at the basic or intermediate level. It does not reflect the laws of a particular state.
Opening Business Accounts | March 18 • 1:30 - 3:30 p.m.
Employees responsible for opening deposit accounts face real challenges. How do they verify that the business exists? How do they document that the people across the desk have the authority to act for the business? Increasingly, federal laws dictate some account documentation requirements. Documentation may vary by state. Nevertheless, each bank establishes its own requirements for the business accounts it opens. This seminar explains the most common forms of organization business customers use: sole proprietorships, corporations and LLCs.
Opening Personal Accounts | April 2 • 1:30 - 3:30 p.m.
Consumer deposit accounts make up the largest number of new relationships opened by most banks every day. Critical compliance processes must be completed or the bank can expect criticism in its regulatory examinations and audits. Account opening takes well-trained personnel whose efficiency depends on the subject matter expertise and clear procedural guidelines. This seminar addresses customer identification programs, IRS requirements for TIN certification, customer due diligence and enhanced due diligence and consumer protection laws and the distribution of disclosures.
Fiduciary Accounts | April 28 • 1:30 - 3:30 p.m.
The fiduciary’s responsibilities are readily translated into legal requirements that fiduciaries must fulfill, always being certain that their actions are well documented and bear in mind the best interests of the person on whose behalf they are acting. Oftentimes, a fiduciary such as a guardian, a custodian, an attorney-in-fact, or a personal representative is required to open bank accounts and handle funds as a part of that fiduciary relationship. This program focuses on those occasions.
Register online at www.iowabankers.com!
|
