March 29 - April 1, 2016

Transcription

1 2016 March 29 - April 1, 2016 NDBA/SDBA Dakota School of Lending Principles Radisson Hotel, Bismarck ND

2 Dakota School of Lending Principles School Overview The Dakota School of Lending Principles, hosted by North Dakota Bankers Association and co-sponsored by South Dakota Bankers Association, will provide basic instruction appropriate for loan officer trainees, loan support personnel and personal bankers. To ensure exposure to bank structure and terminology, it is recommended that applicants have a minimum of six months lending experience or one year of loan department experience. Applicants not meeting the suggested prerequisites will be contacted to discuss admission qualifications. What Students Gain The Dakota School of Lending Principles is a learning event with one foot grounded in the classroom and one foot in the bank. This School allows students to learn the theory and process of basic lending and then put this knowledge to work in actual nuts and bolts sessions. Students will gain the following from the school: Insight into how funds and risk management and profit objectives affect the lending process. Increased skill in comprehending and analyzing business and personal financial statements. Improved skill ascertaining client needs through the interviewing process. Increased knowledge of the steps and analysis process involved in consumer, real estate, small business and agricultural lending. The ability to capitalize on selling opportunities. An understanding of loan documentation requirements. The opportunity to learn from respected, dynamic and experienced faculty members as well as peers. The opportunity to expand skills and knowledge beyond the bounds of on-the-job training. Lending Process In the four modules on loan types, learn the lending process by studying elements applicable to each loan type: terminology, the application process, interviewing, investigation, credit analysis, loan structure, decision communication and selling. Case studies and exercises provide hands-on learning experience in the following areas: Modules Consumer Lending Speaker: Rich Beck 1 This module is designed to teach the consumer lending process from start to finish. Learn the types of consumer loans. Identify the sections of an application and learn how to evaluate a consumer request. Understand the four types of collateral: depreciating, fluctuating, stable and appreciating value. Use the five Cs of credit in making a lending decision and learn documentation requirements applicable to consumer loans. Learn the do s and dont s of collections and role-play loan interviews and loan denials. Real Estate 2 Lending Speaker: Perry Haralson This module focuses on real estate lending. Learn about the various types and risks of residential, commercial, and construction/development real estate mortgage products. Understand the purpose of each section of the standard residential real estate loan application. Be able to assist applicants with pre-qualification. Understand the loan process and key steps. Know how to analyze key sections of a residential appraisal to determine market value sufficient to support the loan. Know the purpose of title insurance and attorney opinions. Understand the fundamentals of a loan closing. Have a basic understanding of the required real estate lending regulations and knowledge of the timing requirements involved. 3 and Loan Documentation Speaker: Tom Capouch Understand income statement and balance sheet composition and how to common size statements. Learn select commercial lending ratios and apply to a commercial loan case. Understand interviewing techniques and learn how to investigate trade references. Also understand lender liability, the causes of problem loans and collections. Identify the purposes of loan documentation and how these relate to regulatory requirements. Examine documents commonly used in documenting loans. Gain exposure to the Uniform Commercial Code (UCC), attaching and perfecting a security interest, and differentiating between personal and real property. Learn the steps involved in closing a loan. Speaker: Tim Ohlde 4 Understand the major drivers shaping U.S. agriculture. Identify the main classifications of farm size and the borrowing needs of each class. Become familiar with some of the financial statement recommendations of the Farm Financial Standards Council, including the balance sheet and an accrual-adjusted income statement. Gain exposure to identifying the financial strengths and weaknesses of farm customers.

3 March 29 - April 1, 2016 School Faculty Richard E. Beck, Jr. SVP/ Corporate Sales Manager STAR Financial Bank Fort Wayne, IN Consumer Lending Richard Beck is the Senior Vice President of Commercial Banking for STAR Financial Bank in Ft. Wayne, Indiana. Prior to joining STAR Financial Bank, Rich was with National City Bank for twenty-five years where he served as Manager of Private Banking. He teaches at the Dakota School of Banking and serves as an adjunct faculty member at Concordia University of Wisconsin. He holds a Bachelors degree from Ball State University and a Masters of Science in Management from Indiana Wesleyan University. Rich is the author of the American Bankers Association s Consumer Lending textbook. Perry Haralson Chief Financial Officer Cornhusker Bank, Lincoln, NE Real Estate Lending Perry Haralson serves as the Chief Financial Officer for Cornhusker Bank and supervises a team responsible for reconciling, reporting, accounting, profitability, and the financial and statistical modeling for the bank. He has worked at Cornhusker Bank for 12 years and served as a branch manager, construction/commercial loan officer, and financial operations officer prior to his current position. He is a graduate of the Graduate School of Banking at Colorado, the Financial Management School at University of Wisconsin, holds an M.B.A specialized in Financial Management, and a Business Administration degree from the University of Nebraska-Lincoln. Tom Capouch President - The First And Farmers Bank Portland, ND Analyzing Small Business Loans and Loan Documentation Tom Capouch has been President of The First and Farmers Bank of Portland, ND since Tom received his business degree from Mayville State University, where he now serves as an adjunct professor of business, and an MBA from Minnesota State University-Moorhead. He is a 1986 graduate of the Dakota School of Banking and has served as a faculty member since Tom was named Northwestern Financial Review s Rising Star for North Dakota in 2002 and received the Greater North Dakota Association Leadership Award in He is married and has two sons. Tim Ohlde President The Elk State Bank, Clyde, KS Tim Ohlde is President of The Elk State Bank of Clyde, Kansas, and has been in banking for over 25 years. He was the Chairman of the American Bankers Association Agriculture and Rural Bankers Committee and is a past member of the Kansas Bankers Association Ag and Rural Development Committee. In addition, he is a past chairman of the Schools of Banking Lending Advisory Committee, and he is the School Director for the Schools of Banking Agricultural Lending School as well as Assistant Lead Faculty member for the Advanced School. Tim is a member of the Executive Committee of the Farm Financial Standards Council. Tim is married, has three boys, and is active in his church and community. School Schedule Tuesday, March 29 Wednesday, March 30 Thursday March 31 Friday, April 1 7:00-8:00 a.m. Breakfast 7:00-8:00 a.m. Breakfast 7:00-8:00 a.m. Breakfast 7:00-8:00 a.m. Breakfast 8:00-9:30 a.m. Consumer Lending 8:00 a.m. - 9:30 a.m. Real Estate Lending 8:00 a.m. - 9:30 a.m. 8:00-9:30 a.m. 9:30-9:45 a.m. Break 9:30-9:45 a.m. Break 9:30-9:45 a.m. Break 9:30-9:45 a.m. Break Real Estate Lending 12:00-12:45 p.m. Lunch 12:00-12:45 p.m. Lunch 12:00-12:45 p.m. Lunch 12:00-12:45 p.m. Lunch Real Estate Lending 3:00-3:15 p.m. Break 3:00-3:15 p.m. Break 3:00-3:15 p.m. Break 3:15-5:30 p.m. 3:15-5:30 p.m. Real Estate Lending 3:30-5:30 p.m. Loan Documentation Free Evening Free Evening Free Evening 3:00 p.m. Adjournment (Note: Schedule subject to variations in sequence and minor adjustments in length of class sessions.)

4 Dakota School of Lending Principles Admission Information The school has a limited enrollment of 50 people per day. NDBA and SDBA members may register at the member rate. Bankers can attend the entire four-day school or select individual days as follows: Entire four-day school...$825 member/$1250 nonmember Consumer Lending Module...$255 member/$395 nonmember Residential Real Estate Lending Module...$255 member/$395 nonmember and Loan Documentation Module...$255 member/$395 nonmember Ag Lending Module...$255 member/$395 nonmember Banks may also purchase one registration for the entire school and send a different employee each day. Please copy the registration form if registering more than one employee. Add $50 for applications received after March 9, Last day to register is March 22, Hotel Information/School Location Radisson Hotel 605 E Broadway Avenue Bismarck ND Phone: Room Rate: $119 per night Ask for ND Bankers to receive special group rate. Room block will be released February 28. Refund Policy Refund of registration fees will be issued according to the following policy: 100% for cancellations received one week or more before the seminar; 75% for cancellations received 3 to 6 days before the school; no refund for cancellations received within 2 days of the school. If you are unable to attend, substitution by another bank employee is encouraged. Tax Disclaimer The cost for meals at the school is $40/day or $160 for the week. This information is provided for your tax records, in keeping with IRS 50% deductible provision under Section 274 (n) of the Internal Revenue Code. More Information For more information on the Dakota School of Lending Principles, please contact Dorothy Lick, NDBA, at or dorothy@ndba.com. North Dakota Bankers Association PO Box 1438 Bismarck, ND Phone: Fax:

5 NDBA/SDBA Dakota School of Lending Principles March 29 - April 1, 2016 Radisson Hotel, Bismarck ND Application Form Full Name (as you wish it to appear on the certificate) First Name (as you wish it to appear on your badge) Business Phone Address Bank Name Title Bank Address City State Zip Registration Fees NDBA and SDBA members may register at the member rate. Entire Four-Day School...$825 member/$1150 nonmember Consumer Lending Module...$255 member/$395 nonmember Real Estate Lending Module...$255 member/$395 nonmember / Loan Documentation Module...$255 member/$395 nonmember Module...$255 member/$395 nonmember Add late fee of $50 after March 9. Banks may also purchase one registration for the entire school and then send a different employee each day. Please copy this form if registering more than one employee. The early registration deadline is March 9, Please complete the following demographic information: 1Total Assets of Bank q up to $50 mm q $ mm q $ mm q $ mm q $ mm q Over $1 b q Bank Holding Company q Other: 2Total Size of Bank s Loan Portfolio q Under $25 mm q $25-99 mm q $ mm q $ mm q Over $500 mm 3Total Banking Experience q Less than 1 year q 1-2 years q 3-5 years q 6-8 years q 9-11 years q years q Over 16 years 4Educational Background (check highest level attained) q High School q Some College q Associate Degree q Bachelors Degree q Masters Degree q Law Degree 5Rank Your Three Major Areas of Bank Experience (1 indicates most experience) Consumer Lending Real Estate Lending Small Business Lending Loan Administration Credit Analysis Administration Operations Bank Investments Other: 6List Your Three Primary Job Responsibilities Please send an invoice Check is enclosed I d like to pay by credit card. Please contact me. Total Due: Send registation form and payment to: North Dakota Bankers Association Attn: Registration PO Box 1438 Bismarck ND or to ndba@ndba.com Questions about the Dakota School of Lending Principles? Call NDBA s SVP of Education Dorothy Lick at or dorothy@ndba.com