INSTITUTE Just keep swimming

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1 ABA Advanced Lending INSTITUTE Just keep swimming Qualifies for 30 CPEs, 19 CLBBs and 31 CRCMs! Oct , 2018 Sandestin Golf & Beach Resort Destin, Florida Registration Oct. 22 at 11 a.m. Session begins Oct. 22 at 11:30 a.m. Adjourn Oct. 26 at 11 a.m. Are you ready to improve your lending game? The Alabama Bankers Association Advanced Lending Institute focuses on the regulatory issues with the highest risks to and incorporates discussion of real-life examples and best practices. We will dive deep and provide you with strategies to address consumer and commercial loans from application to portfolio management. COMPREHENSIVE LENDING INSTITUTE TO MEET YOUR NEEDS AND EXCEED YOUR EXPECTATIONS: This program will focus on regulation requirements applicable to you and your institution and will provide resources and tools to help you strengthen and enhance your lending compliance program. Following are brief descriptions of each topic to be covered. Attendees are encouraged to participate in the discussion of each subject by asking questions and sharing related experiences Underwriting Analysis and Debt Collection Practices Loan officers and credit analysts encounter a number of differing scenarios when underwriting loans. Though there are a number of unique attributes for each deal that is underwritten there are a number of similarities and common issues to be aware of in the underwriting process. This presentation will provide a summary narrative of common errors or oversights made by lending professionals during the credit underwriting and presentation process. The following topics will be discussed as part of this presentation: Financial statements of the business entity including ratio analysis Tax return analysis Credit reports and personal financial statements Cash flow including global debt service coverage and Uniform Credit Analysis (UCA) Considerations in completing a complete loan presentation Even credits that have been underwritten accurately, or that have performed satisfactorily over a number of years may experience some level of delinquency. This presentation will discuss the do s and don ts of debt collection. The presentation will include common errors and opportunities that exist during the debt collection process. Topics covered will include: Collection practices communicating with the borrower or other related parties What you can and should not do in collecting debts Understanding the different chapters of bankruptcy Forbearance and workout agreements Importance of lien perfection Collateral Valuation FAIR CREDIT REPORTING ACT (FCRA) & FACT ACT: Applying Requirements to Your Program Detailed review of your responsibilities under the FACT Act Furnisher Rules, including how to handle direct disputes. We will discuss key components to ensure your policies and procedures effectively support your program, including addressing the use of medical information when making credit or employment decisions and adverse action requirements. Tools to aid you in reviewing your program as well as ideas to help train

2 your staff will be provided. FAIR LENDING: Application, Approval & Denial Process The agencies will not tolerate lending discrimination in any form. Further, fair lending is not inconsistent with safe and sound operations. Requirements and best practices at each stage of the lending process to avoid costly fair lending violations will be reviewed. In addition, we will discuss the importance of conducting a fair lending comparative analysis before your next exam and provide you with tools to help you get started. TRID OVERVIEW: Are You Sending Accurate Disclosures? In this session we will dive deep into each section of the Loan Estimate and Closing Disclosure reviewing what is required and offering best practices and tips. Proper disclosure completion for different loan types, including construction will be discussed as well as when revised disclosures are required and permitted, which fees are subject to tolerances, and how to review the accuracy of your calculations. New URLA: Planning & Compliance Considerations On September 26, 2017, Fannie Mae and Freddie Mac released an updated implementation time line for the roll out of the new Uniform Residential Loan Application (URLA). This notice set a date of July 1, 2019 for optional use of the new form and mandatory use starting in February, This session will cover the implementation time line and detail of the new forms. We will also cover in detail the requirements for capturing demographic information both prior to and following URLA implementation. BSA & UDAAP Managing BSA risks in the lending area, including red flags to detect potential mortgage fraud. Review of recent customer due diligence (CDD) rules and your role in gathering the right information. FLOOD: Are you Drowning in Flood Regulation? Is your head swimming with questions, such as how much coverage is needed and when you are required to escrow? Flood insurance compliance continues to be a hot button topic with examiners. In this session we will brush up on the basic guidelines and discuss when escrowing flood payments is required. Tools and tips will be provided to help you manage forced placed insurance. DODD-FRANK: Then and Now At the time Dodd-Frank was passed in July 2010, it contained the most significant reform to our industry since the Great Depression. The act introduced numerous new rules and several amendments. Eight years out from its passage, we will discuss how these provisions continue to affect our banks and the future of the legislation going forward. ELDER FINANCIAL EXPLOITATION: The Crime of the 21st Century Elder abuse impacts all of us, both personally and professionally. The information learned will be beneficial for monitoring for reportable suspicious activity, implementing a training program for staff from the front line to the board, developing policies and procedures and organizing an elder outreach program. We will share actual stories of financial exploitation and analyze the pros and cons of the events and how to incorporate this incident review process into your bank to enhance your policies, procedures and training. We will also discuss how financial elder exploitation impacts Bank Secrecy Act obligations, Regulation E, and privacy laws. LENDER PRIMER: What Every New Lender Needs to Know As a rookie in the bank lending game you likely have already began training on available products, services and programs offered through your institution. In addition to those options, you will need to be prepared for the blitz of regulatory lending requirements you will be faced within your field. This session will serve as your play book to help you tackle lending compliance and score success for you and your lending team. HMDA: Establishing an Efficient and Effective Process The 2018 HMDA changes requires the reporting of 110 data fields for EACH covered loan. We will discuss methods and provide tools to take some of the stress out of this process and make sure HMDA LAR data is accurate starting with the data gathering process. COMMERCIAL LOAN COMPLIANCE It Exists! So often we think, I m a commercial lender, compliance doesn t apply to me! While it s true that many regulations focus on consumers, key provisions from Reg B to Flood to HMDA and BSA do affect do affect the commercial lending side of the house. LOAN ADVERTISING: Reviewing Before It s Published It s Monday afternoon, the marketing committee and the loan team have developed THE best loan offer that is going to exponentially increase your bank s bottom line, and it needs to be published first thing tomorrow morning! How familiar is this scenario to you? We will review the areas of compliance that impact marketing your loans and provide tools that will increase the efficiency with which those ads can get off your desk and out into the world. Observations From the Office of the Attorney General Consumer Complaints Current check Scams Consumer Protection Identity Theft WHO SHOULD ATTEND? This ADVANCED jam-packed five-day school is designed for: Consumer and Commercial Loan Officers; Loan Processors; Compliance Officers and individuals responsible for/involved in loan compliance. TENTATIVE DAILY AGENDA Monday - 11:30 a.m. 4 p.m. Tuesday - 7:30 a.m. 4 p.m. Wednesday - 7:30 11 a.m. Thursday - 7:30 a.m. 4 p.m. Friday - 7:30 11 a.m.

3 Advanced Lending Institute Faculty TINA COKER HAMMONDS is an assistant attorney general. She has been with the attorney general s office since 2007 and working in the consumer interest, capital litigation, and violent crimes divisions. She is a graduate of the Cumberland School of Law and Duke University. DAWN KINCAID began her banking career working for a community bank, while attending The Ohio State University. She has nearly 15 years of experience in client service, operations, information technology, administrative and board relations, marketing and compliance. Most recently Dawn served as the Senior Vice President of Bank Operations for a central- Ohio based community bank, where she created and refined the bank s policies and procedures, conducted self-audits and risk assessments, and organized implementation of new products and services. She has served in the roles of Compliance, BSA/AML, CRA, Privacy and Security Officer and led training initiatives, prepared due diligence information for and completed a variety of regulatory applications and coordinated internal and external audits and exams. AARON LEWIS is a consultant in the lending division of Young and Associates, Inc. As a consultant Aaron assists client banks by performing loan review. In addition to loan review, he has performed reviews in lending compliance and quality control. Aaron also presents seminars in the area of lending. Prior to joining Young and Associates, Inc. he was employed by a community bank in southeast Michigan for eleven years. While at the bank, he worked his way through various facets of the operation from front-line customer service to branch management and finally as Vice President, Credit Administrator. He has secondary market, compliance, and asset quality experience. Aaron holds a B.A. in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin. EMILY NICHOLS is a specialist with the attorney general s office. She regulates charitable entities and those who solicit donations on behalf of charitable organizations. She also oversees the issuance and regulation of certain telemarketing firms soliciting in the state. Additionally, Nichols reviews complaints in an effort to mediate consumer disputes, as well as identify patterns of misconduct that may warrant investigation by the Alabama Attorney General s Office. MOLLY STULL began her banking career on the teller line while working on her undergraduate degree and has continued working in the financial industry ever since. She has experienced the growth of a hometown bank, acquisitions of branches, bank mergers, charter changes, name changes, and working in a de novo bank. Throughout these experiences she has gained a wealth of banking knowledge. She has activated business resumption plans, implemented a VoIP phone system, performed secondary market quality control reviews, processed wires, filed SAR s, developed bank approved policies and coordinated reviews with external auditors and examiners.

4 ACCOMMODATIONS SANDESTIN GOLF & BEACH RESORT This conference will be held in the Baytowne Conference Center at the Sandestin Golf and Beach Resort. To reserve a room, please Georgan Mason in reservations at GeorganMason@sandestin.com. Or, reserve a room online at and enter group code 23R19G be sure to ask Georgan about Village rates if interested in that area of the resort. Room block deadline is Sept. 1. Beachside Studio $205 Beachside 1 Bedroom $225 Westwinds 1 Bedroom $239 Westwinds 2 Bedroom $339 Village Studio $145 Village 1 Bedrom $159 Grand Complex Studio $155 Grand Complex 1 Bedroom $169 Luau Studio $155 Luau 1 Bedroom Unit $165 Luau 2 Bedroom Unit $239 Luau 3 Bedroom Unit $315 Room rates do not include 12 percent resort fee or 12 percent tax.

5 PRAISE FOR ABA S ADVANCED LENDING INSTITUTE This was my first year to attend the Advanced Lending Institute of the Alabama Bankers Association. I found it to be interesting and the speakers were very informative. It was overall an outstanding experience. I connected with other bankers in the lending field and believe this week enhanced my ability to perform my job. I would recommend everyone in the field attend. Renee Finch Bank of Moundville The Advanced Lending Institute is a learning experience like no other. I am always provided with useful information that I can take back to my company and put into action. I left with the tools that I need to make sure I am doing my job to the best of my ability. Shay Spivery Acceptance Loan Company, Inc. The Advanced Lending Institute is a great week of learning and networking. The presenters are always so knowledgeable on the regulations and the new hot topics. They help us to understand and implement changes that need to be made to policies and procedures. It also offers a valuable opportunity to connect with other compliance and lending professionals and to work together to interpret the regulations to best protect the bank. Leigh Johnson First Bank of Boaz REGISTRATION Please return this form and appropriate fees to: ABA, 445 Dexter Ave., Suite 10025, Montgomery, AL or fax your registration form to (334) DEADLINE TO REGISTER IS 12 NOON ON SEPT. 1, EARLY BIRD MEMBER RATE*: $1,445 - Register before 8/1/2018 and save $250! *To qualify for early bird rate all fees must be paid by 8/1/2018. REGULAR MEMBER RATE (after 8/1/2018): $1,695 NON-MEMBER RATE: $1,995 (Prepayment is required for all non-members.) All rates are for ONE attendee. Daily substitutions are not permitted. Name Bank Title/Dept. Mailing Address City, State & Zip Office Phone Cell Additional Attendees: PAYMENT METHOD: Total fees due: $ (Payment due prior to event.) Check enclosed Please send me an invoice Please bill the following credit card: Visa MasterCard Discover Amex Credit Card No. Exp. date CANCELLATION POLICY A processing fee of $200 applies to all SCHOOL cancellations. We will gladly refund 100 percent of your registration fee (minus $200 processing fee) if notice is given IN WRITING by 12 noon, 15 business days before an event. After 15 business days, no money can be refunded, credited or transferred, although substitution of a participant is welcomed. Late Registration: Please note, there will be a $50 late registration fee for all attendees that register later that FIVE business days before the seminar. Early Bird Rates: To qualify for the early bird rate, full payment MUST be received by July 2, Otherwise, additional billing for the regular rate will be necessary. Note: If registrant has received any manual/ handouts prior to cancellation, no money can be refunded, credited or transferred. PHOTO USE By registering, you give your permission to be photographed and for those photographs to be used by the association. QUESTIONS? Contact Debbie Pharr, ABA Director of Education, by calling (334) or ing dpharr@alabamabankers.com.