Consumer Lending School Giving students knowledge of the consumer credit function as an integral part of retail banking and a vital source of bank income. OCT. 1-5, 2018 OKLAHOMA CITY O K L A H O M A B A N K E R S A S S O C I A T I O N
PURPOSE & PHILOSOPHY Consumer credit is one of the highest profile and most diverse operations in a bank. Specialists in the field need knowledge that runs both broad and deep. The purpose of the Consumer Lending School is to: - Give students the knowledge of the consumer credit function as an integral part of retail banking and a vital source of bank income; - Deepen the students comprehension of the managerial aspects of consumer credit operations, especially how the bank s loan portfolio can be managed to increase profitability and improve competitive positioning; - Develop and refine the administrative skills the students will need to manage the assets of their banks and to meet the credit needs of their customers. The total program exposes students to major issues consumer credit managers face. It provides a framework for examining a bank s consumer credit programs, policies and procedures. TARGET AUDIENCE The school is designed for consumer lenders, credit administration personnel, loan secretaries and others who are involved in consumer lending. Enrollment is limited to 60 students. OBA-member banks will receive first priority. REGISTRATION Students will register at the Oklahoma Bankers Association s Harris Event Center from 9-9:30 a.m. on Monday, Oct.1, 2018. All students are required to register during this period. ENROLLMENT REQUIREMENTS There is no limit to the number of employees any one bank can send to the school. However, enrollees must meet the following criteria: - A minimum of 6 months experience in consumer credit; or - A high school diploma and minimum 3-5 years of banking experience. ** Note: Completion of a 4-year college degree is helpful. ** CLASS ORGANIZATION Formal classes will be held Monday through Friday. School will conclude by noon on Friday, Oct. 5, 2018. REQUIREMENTS & REGULATIONS Each student will be required to attend every class until adjournment on Friday, Oct. 5, 2018. An attendance record will be kept and his or her respective bank will be notified at the close of the session if the student s participation is not satisfactory. Additionally, an exam covering all of the topics discussed during the week will be given on Friday morning. All students are required to take the exam. DRESS Dress for class is informal, but in good taste. Tailored shorts and jeans are acceptable. Plan to bring a light sweater or jacket.
ACCOMMODATIONS The Oklahoma Bankers Association has a block of rooms available at the Courtyard by Marriott OKC NW. The Courtyard by Marriott is located at 1515 N.W. Expressway in Oklahoma City, OK, 73118. Please call 800-321-2211 or 405-848-0808 and mention the Oklahoma Bankers Association Consumer Lending School room block. The $115 room rate includes a breakfast sandwich and coffee. Reservations should be made by September 14 to guarantee this rate. THE BOTTOM LINE The cost for the one-week school is $1,000 for OBA-member banks and $2,000 for non-members. The registration fees cover daily lunches, snacks, a one-year subscription to the Oklahoma Banker, books and tuition. The fee must accompany the application and be received by the OBA by Sept. 14, 2018. Upon cancellation by Sept. 14, the full fee will be returned to the bank. A $400 cancellation fee will be charged for cancellation requests received after Sept. 14 through Sept. 21. Cancellations received after Sept. 21 will be subject to forfeiture of fees. All cancellations must be in writing. EARLY BIRD REGISTRATION: MULTIPLE REGISTRATIONS: REGULAR REGISTRATION: Any registrant enrolling prior to August 31, 2018 will be afforded the following discounted rate: $950 OBA member. Any OBA-member bank enrolling two or more students will be afforded the following discounted rate: $950 first student and $900 each additional student. Single registration fee after August 31: $1,000 OBA-member $2,000 Non-members SCHOOL PLAN The one-week school is structured in such a way as to measure each student s gain in knowledge through the use of a final exam. Each student must successfully complete the coursework and the final exam to qualify for a completion certificate. STUDENT HONORS PROGRAM Each year, the Board of Regents, staff, faculty and students select two students as the outstanding graduates. Criteria for the selection of the honor graduates include, but is not limited to: outstanding work on the case studies and test, contributions to and participation in class and overall contributions within the student body. Awards will be presented to these students once they have returned to their respective banks. Additionally, these two students will be asked to serve as advisory board members for the following year. The recipients must be bankers from OBA-member banks and reside in Oklahoma. CONSUMER LENDING SCHOOL BOARD Chairman: Jeff Hammock, Vision Bank, NA, Durant Debra Williams, Arvest Bank, Norman Rocky Williams, Arvest Bank, Norman Members: James Boggs,First Fidelity Bank, Edmond Mattheu Brasel, RCB, Collinsville Jason Hensley, City Natl. Bank & Trust Co., Lawton Jimmy Nance, First Oklahoma Bank, Jenks Carl Oblander, First Bank & Trust Co., Ardmore Brae Riley, Bank of Oklahoma, Tulsa Taylor Skouby, The Bank of Kremlin, Kremlin Tracy Stine, Great Plains Bank, Woodward Julie Stovall, First United Bank & Trust, Holdenville Advisors: Mark Byers,Vision Bank, NA, Ada Ginny Patterson, Anchor D Bank, Guymon
2018 CONSUMER LENDING SCHOOL APPLICATION FOR ADMISSION OCTOBER 1-5, 2018 A check payable to the Oklahoma Bankers Association must accompany this application. This fee covers instruction, materials, tuition, refreshment breaks, lunch and a one-year subscription to the Oklahoma Banker. The registration deadline is Sept. 14, 2018. This institution does not discriminate with regard to race, color, sex or age. REGISTRATION Early Bird Registration: $950 OBA Members * To qualify, you must enroll by Aug. 31, 2018. Multiple Registrations: (OBA Members) $950 first student $900 each additional student * To qualify, students must be from the same bank. Regular Registration: After Aug. 31, 2018. $1,000 OBA Members $2,000Non-OBA Members REFUND POLICY Any registrant withdrawing by Sept. 14, 2018, will receive a full refund. A $400 cancellation fee will be charged for cancellation requests received after Sept. 14 through Sept. 21. Cancellations received after Sept. 21 will be subject to total forfeiture of fees. ALL CANCELLATIONS MUST BE IN WRITING. PLEASE TYPE THE FOLLOWING INFORMATION I, the undersigned, have read the attached information which describes admission criteria and understand that I will be expected to attend all scheduled classroom and work periods, to prepare all assigned work, to participate in classroom sessions and to successfully complete the final examination to qualify for graduation. Signature The submission of this application has been approved by the bank. (To be signed by the president, department head, personnel officer or other executive authorized by the bank.) Nominating Officer s Signature Nominating Officer s Name and Title OPTIONAL I consent to the release to my employer of grades and other measures of performance in courses taken by me at the school. Signature Date Please send grades and other measures of performance to: Name (as you want it to appear on certificate) Name or first name (for badge) Email address Date of Birth (Month/Day/Year) Age Business Phone Cell Your Title Bank Name Post Office Box City State Zip Application must be returned by Sept. 14, 2018. (OVER)
APPLICANT S TITLE (Check only one) 1. President/CEO 2. Executive VP/Sr. VP 3. Vice Pres./Cashier 4. Asst. VP/Asst. Cashier 5. VP/Loan Officer 6. Asst. VP/Loan Officer 7. Compliance Officer 8. Auditor 9. Admin. Asst./Secy. 10. Loan Review 11. Other (Specify) SIZE OF BANK IN DEPOSITS 1. $0-100mm 2. $100-250mm 3. $250-500mm 4. $500-1 Billion 5. Over 1 billion 6. Bank Holding Co. 7. Other SIZE OF BANK IN ASSETS 1. $0-100mm 2. $100-250mm 3. $250-500mm 4. $500-1 Billion 5. Over 1 billion 6. Bank Holding Co. 7. Other TOTAL YEARS IN BANKING 1. Less than 1 2. 1-3 years 3. 3-5 years 4. 5-10 years 5. 10-15 years 6. 15 years & over EDUCATIONAL BACKGROUND (Check only one) 1. High School Graduate 2. Some College (Hrs ) 3. Associate Degree 4. Bachelor s-business 5. Bachelor s-other 6. Masters-Business 7. Masters-Other 8. Ph.D. 9. Law Degree OBA SCHOOLS ATTENDED YEAR 1. Compliance 2. Consumer Lending 3. Operations 4. Commercial Lending 5. Intermediate 6. Basic 7. Other YEARS IN LENDING 1. Less than 1 2. 1-3 years 3. 3-5 years 4. 5-10 years 5. 10 years & over BUSINESS EXPERIENCE List in chronological order your banking and other business experience. Include dates, bank and other business firms and a brief description of duties. Briefly describe your major responsibilities in the bank. EMERGENCY INFORMATION In case of emergency, please contact: Name: Address: Cell: Relationship: Work phone: Home phone: Please make your check payable to the Oklahoma Bankers Association and mail to: Oklahoma Bankers Association P.O. Box #960173 Oklahoma City, OK 73196-0173 Contact Janis or Nancy for further information at 405-424-5252 or at janisr@oba.com. FOR OBA USE ONLY Rec d Rt# By Amt. # k C
*Schedule/topics subject to minor changes 2018 Consumer Lending School Monday October 1 Tuesday October 2 Wednesday October 3 Thursday October 4 Friday October 5 9:00 9:30 Registration 9:00 10:30 Reg Z/TRID 9:00 10:15 Documentation & Compliance, UDAAP 9:00 10:30 Lender Liability 9:00 10:00 Exam 9:30 9:45 Class Introductions 10:15 Class Photo 10:30 Break 9:00 9:30 Break 10:30 10:45 Break 10:15 10:30 Break 10:30 10:45 OBA Update 9:45 10:45 10:45 12:15 10:30 11:30 10:45 Noon Direct Lending Reg Z Loan Pricing Risk Management 10:45 11:15 Indirect Lending continued Issues 11:00 Exam Summary 11:15 Noon Application Generation Lunch Noon 12:45 Lunch 12:15 1:00 Lunch 11:30 12:15 Lunch 12:00 12:30 12:45 1:45 1:00 3:00 12:15 2:00 12:30 2:30 Application Real Estate Collections Management BSA for Loan Evaluation Compliance Officers 2:00 2:45 1:45 3:15 Bankruptcy Overview Credit Analysis Break 3:15 3:30 Break 3:00 3:15 Break 2:45 3:00 Break 2:30 2:45 3:30 5:30 3:15 4:30 3:00 5:00 2:45 4:45 Lending Case Study Real Estate Relationship Fee Based Compliance Development Products & Continued Services 5:15 4:45 Exam Review Exam Review Trends in Retail Banking 5:30 The Bankers Bank 5:00-Exam Review