Alpha List of all Courses/Seminars

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This training webinar has been approved for 2.5 CRCM credits. As we all know, HUD made revolutionary changes to RESPA, including a brand-new GFE and HUD-1. As compliance with the new requirements becomes the [...]

The Dodd-Frank Act promises to fundamentally change the banking industry.  Whether you manage a large bank or a community bank, bank holding company or non-bank affiliate, the next three years will see your business facing the challenge of 250+ new regulations.  Denyette DePierro, Senior Counsel in the ABA’s Office of Regulatory Policy will lead a [...]

After successfully completing this training course, you will be able to: handle adult and minor account ownership and corporate accounts and documentation; understand joint tenancy laws and precautions; and work with partnerships and community property ownership. Audience: This course is designed for tellers, customer service representatives, personal bankers, new account personnel, managers, and anyone involved in [...]

Accounting Basics provides a complete foundation in basic accounting procedures for students who have minimal or no college accounting or business background, need a refresher course on accounting fundamentals, or need to prepare for further accounting study. Audience:  Students with little or no accounting background at any level. Diploma Applications: General Financial Services Diploma Advanced Financial [...]

(Recommended prerequisite:  Accounting Basics or Accounting Fundamentals) ACE approved for college credit transfer! Accounting teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions.  Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of [...]

This highly motivating training program continues to evolve as the premier teller workshop. Attended by tens of thousands of tellers across the country for over 20 years, the workshop enjoys exceptional reviews from participants. Managers and head tellers say this program gets the point across about the responsibility the teller has in influencing the ongoing impression customers [...]

Learn to make the right loan decisions in this case study training program. Learn the tricks of the trade to make better loan decisions. Apply financial analysis techniques and learn the right questions to ask the loan customer in this seminar that revolves around a case study. During this program, you will analyze a sample [...]

Seasoned underwriters, and graduates of CFT’s Mortgage Underwriting Series, can now attend a special one-day training seminar that will use case studies and problem solving methods to improve your underwriting skills.  Network with fellow underwriters while you brainstorm new and fresh approaches to risk.  Topics to be covered include: Today’s Risk Parameters; Debt Issues; Appraisal [...]

(Recommended Prerequisite:  Marketing) This course presents a comprehensive view of the industry, from the creative stand-point while providing real life business examples. This course addresses the importance of Integrated Marketing Communications (IMC) in the field of Advertising and how it impacts advertising strategy through featured examples of IMC campaigns. Audience: Anyone interested in the Marketing [...]

Some people might think that regulatory attention to the BSA has let up over the past couple of years, given other difficulties and areas of concern, such as lending.  Think again.  With the safety and soundness of the entire industry the focus of news stories every day, the regulators haven’t eased up.  These rules are [...]

(Required Prerequisite:  Accounting or Financial Accounting) ACE approved for college credit transfer! A practical introduction to financial analysis from the viewpoint of the commercial loan officer, this course gives you the skills you need to effectively assess a borrower’s ability to repay loans. After successfully completing this course, you will be able to:  relate how [...]

You will understand one of the most important aspects of banking and a crucial component of the lending process with knowledge gained in this practical program. “Real world” approaches to credit decision-making and a streamlined approach to the analysis process ensures that you leave with an understanding and knowledge essential to your job. Upon completing [...]

Introduction:  This one-day program is designed to assist lenders and other credit professionals who want to better understand the information that is contained in accountant-prepared financial statements. During this program, participants will learn how to analyze financial statements and utilize them as the basis for determining the creditworthiness of potential borrowers and the financial health [...]

This advanced one-day program will provide lenders and other credit professionals with advanced training in the use of financial statements. Particular attention will be paid to the ways in which balance sheets and profit and loss statements interact with one another and how the Cashflow statement can be a useful tool in understanding the strengths [...]

 The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CLBB and CPB credits. One of the more challenging aspects of lending is analyzing personal financial statements and tax returns. To assess the borrower’s ability to convert [...]

The only reliable financial information available from many businesses, especially small businesses, is contained in tax returns.  When accountant-prepared financial statements are not available from businesses, lenders and credit analysts will often need to make a lending decision based on the information contained in those tax returns.  The Analyzing the Tax Returns of Businesses training [...]

As the industry goes through troubled times, proper valuation of collateral is critical. Yet most people reviewing appraisals have never been properly trained in how to review this critical information.  This training webinar features the latest compliance requirements including new appraisal forms and guidelines. Covered Topics: Appraiser guidelines Valuation methods Review of the Single Family [...]

The Institute of Certified Bankers (ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry.  This training webinar has been approved for 2.50 CLBB, 2.50 CRCM credits.  This statement should not be viewed as an endorsement of this program or its sponsor. The valuation process in real estate loans [...]

With everything else going on in the financial services industry, more than ever it is important that your advertising and marketing efforts are effective. Regulator and examiner attention to your advertising and marketing efforts is at an all-time high. There are many new requirements (especially in lending), but advertising is being looked at in a [...]

Increased profitability correlates directly to a financial institution’s management of its assets and liabilities.  Users will learn how to establish financial goals, determine fundamental trade-offs between risks and returns, understand the link between GAP and net interest margin, determine conditions that affect market value of stockholders’ equity, factors that make assets and liabilities price sensitive, [...]

Think you have a good handle on the basics of asset liability management or you’re ready to take the next step?  Learn the income-based and wealth-based approach to asset/liability management, GAP management of interest rate risk, how to conduct a static GAP analysis, calculating asset/liability valuation and market risk, regulation of interest rate risk using [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This training webinar has been approved for 2.5 CLBB credits. The collection process is fraught with potential liability. Debtors who can’t or aren’t willing to pay their obligations are looking for ways to get [...]

This course builds your knowledge of proper analytical techniques for evaluating the financial condition of a financial institution. Subjects include an in-depth look into the Uniform Bank Financial Report, operating ratio analysis, capital components, return on assets (ROA), establishing net interest margin (NIM), rate sensitivity, asset and liability liquidity sources, and many more financial components [...]

After successfully completing this training course, you will be able to: explain the background of the Bank Secrecy Act (BSA); report transactions; know the exemptions to reporting regulations; recognize suspicious transactions; complete the Currency Transaction Report (CTR); and excel in customer relations. Audience:  This course is designed for tellers, customer service representatives, personal bankers, new account [...]

Monday, June 28, 2010 12:00 noon – Shotgun Start – Scramble Tunxis Plantation Country Club, Route 4, Farmington, CT Please plan to arrive at the golf course no later than 10:45 am to receive your tee assignment, tournament rules, and prize information.  You may want to arrive even earlier as your fee includes free use [...]

In this webinar, we will discuss Chapter 7 and 13 timelines, the First Meeting of Creditors, the ability to discharge debts, lien avoidance, treatment of mortgages in Chapter 13 plans, reaffirmation agreements, automatic stay issues and abusive multiple filers. Scott Fink, our speaker, will examine the Bankruptcy Code and its current affect on your mortgages, [...]

Determining the ability of an entity to generate cash flow is essential whenever the repayment of a loan will extend beyond one year. Cash flow analysis measures the ability of an entity to generate sufficient cash to operate the business successfully and have excess cash to service the annual debt payment requirements. Understanding how to [...]

Day 1 of the two-day Mortgage Originator’s Boot Camp. The mortgage origination business is very competitive, and it’s getting tougher every year.  This training workshop will give you the tools you need to beat your growing competition and develop a loyal base of referral and repeat business that will keep you profitable, even when the [...]

This comprehensive three-day workshop is designed to explain and provide the analytical tools needed to become an even more effective residential mortgage lender.  From basic underwriting skills to the analysis of tax returns and real estate appraisals, you will gain the knowledge necessary to effectively serve your mortgage customers.  Utilizing a combination of lecture, group [...]

Day 2 of the two-day Mortgage Originator’s Boot Camp The mortgage origination business is very competitive, and it’s getting tougher every year.  This workshop will give you the tools you need to beat your growing competition and develop a loyal base of referral and repeat business that will keep you profitable, even when the market [...]

This seminar gives an excellent overview of the basics of mortgage underwriting, using standard secondary market guidelines.  Topics to be covered include:  the loan application; legal disclosures; income documentation and calculation; credit review; credit scores; asset valuation; collateral review; ratio calculations; the transmittal summary; and compensating factors. Audience:  This is an ideal workshop for loan [...]

With the increasing incidences of business and personal bankruptcy filings, bankers must be aware of the procedures to follow, as well as actions to avoid to best protect the bank’s and the customer’s interests.  Course objectives: Understand the differences of the various forms of bankruptcy that can be filed; Explain the rights of both the [...]

Let’s face it: the teller is the face of the bank. This hands-on position involves more than counting cash. A Stellar Teller is actually a public relations professional, representing the interests of the bank and looking for opportunities to promote products and services. This webinar packs a punch in helping tellers become more confident and [...]

Are you a new teller supervisor?  Or have you been “at the head of the line” for some time now and want to sharpen your supervisory skills?  This training workshop takes a practical look at the issues encountered in everyday situations, and gives a “heads-up” on how to handle everything from grooming a professional image [...]

 This is what you will learn…. How much Spanish you already know Words written the same in Spanish and English but pronounced differently Basic expressions in Spanish Banking terms and transactions Financial language In addition: You will practice banking conversations with your fellow students, and Test your knowledge with fun quizzes Audience:  All employees needing a [...]

This webinar is designed for financial institutions that are serious about becoming a world-class sales organization. When the customer walks in, drives up, emails, or phones, the organization starts racking up points for, or against, tightening up the relationship. Aimed at the frontline staff – tellers, customer service representatives, call center personnel, account managers, branch [...]

This meticulously designed program delivers the superior skills that a Branch Manager requires to be successful in today’s demanding banking environment.  Through instructor led education, case studies, exercises, peer interaction, and role play students will learn timely strategies and gain a deeper understanding of several competencies that are essential to effective branch management.  These competencies [...]

This workshop focuses on the basic components of marketing in a contemporary financial institution and how the branch is an important part of that strategy.  The topics include market research, product development, and promotional strategies. At the conclusion of the session, you will be able to: Identify the key elements of marketing. Recognize the value [...]

Sound policies and procedures are key elements to consistency throughout your company, especially your branch network.  If you are having difficulty creating a user-friendly policy manual, or keeping on top of updates, consider utilizing CFT’s policy manual preparation services including: Procedure writing for the end users in the organization Creation of easy-to-navigate online documents, complete with [...]

ACE approved for college credit transfer! A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies.  Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy [...]

ACE approved for college credit transfer! This course provides a comprehensive coverage of personal and business related math topics.  After successfully completing this course, you will be able to:  understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math [...]

Would you like to learn how to write a great letter or e-mail that will not only soothe a complaining client but also turn him or her into a lifelong customer?  Or how to apply the secrets of Madison Avenue copywriters to write a “killer sales letter?”  Want to eliminate writer’s block once and for all?  [...]

This workshop focuses on how to become an effective business writer.  Excellent writing requires a reader/audience-oriented focus, an organized approach, and communication of clear images. TOPICS TO BE COVERED: Recognizing the characteristics of effective and ineffective writing. How to apply the writing process; plan, draft, revise, edit, proofread. Developing a convincing, complete, organized document. Edit [...]

The Allowance for Loan and Lease Losses (“ALLL”), is a major portion of credit administration and is considered a key factor in maintaining a safe and sound financial institution. It is a valuation reserve established and maintained by charges against the financial institution’s operating income and is estimate of loans that may be uncollectible. According [...]

Incoming! Every time the telephone rings at a call center, there’s a new opportunity to exceed customer needs. But who will be other end? Perhaps it will be a pleasant customer with a simple request, an irate customer who is spouting frustration, or a client with a speech pattern that is hard to understand. A [...]

Loan information on the Call Report provides critical credit information for regulators, especially in today’s environment. The rules for schedule RC-C dictate how loans are to be reported on all loan schedules, including the income statement, charge-off’s and recoveries, averages, and past dues and nonaccruals. This webinar will help you learn the classification priority for [...]

On January 22, 2010, the regulatory agencies approved changes to the 2010 Call Report to assist in managing the current credit crisis and provide additional data needed to monitor for safety and soundness. Revisions include clarification on the definition of unused commitments, reporting on Reverse Mortgages, new reporting to identify other than temporary losses on [...]

The Credit CARD Act is a major piece of legislation that will have far-reaching effects on the credit card industry, of course, but even if you don’t offer credit cards, there are provisions that will (or already do) impact your lending operations. Several of the Act’s provisions cover other types of open-end credit accounts, including [...]

The greatest potential loss in your institution is check fraud.  Know how to detect it and how to prevent it from happening.  This course covers:  major types of checks and their characteristics; check acceptability and authenticity; check security features; typical check fraud schemes and warning signs; and detection and prevention of check fraud. Audience:  Customer [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CBT, CCSR, & CPB credits. Has your financial institution taken losses due to counterfeit checks, check kiting or other check frauds? Did losses occur because your staff [...]

Has compliance with the Bank Secrecy Act’s Customer Identification Program (CIP) requirements adversely affected your financial institution? Are you frustrated because you haven’t been able to close a loan or you can’t open an account because of your CIP policy? Are you concerned that your financial institution may be hurting its ability to do business [...]

The course description and registration information for this course will be available soon.  Please click your back button to return to the previous page.  Clicking on the CFT logo will take you to the homepage.  Please call 800-795-5242 if you have any questions.

This workshop provides a review of the basics of commercial and small business lending from the application process to making an informed recommendation on a given commercial loan request.  This workshop will also cover the basic concepts of branch profitability, including the fundamentals of the financial statements of a financial institution, Balance Sheet and Income [...]

ACE Approved for College Credit Transfer! This course will give you the knowledge and skills to be an effective commercial lender.  After successfully completing this course, you will be able to:  explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the [...]

The Commercial Lending School is a long-standing, comprehensive, credit training program designed exclusively for the financial services industry.  Who should attend? The school appeals to a wide range of students who need intensive and formal lending and credit training.  Recent classes have included junior lenders new to banking, experienced bankers—from non-lending backgrounds—whose careers now focus on [...]

This training workshop is designed to provide Commercial Loan Processors and Commercial Loan Officers with a broad introduction to the various documents needed in secure loan transactions.  From loan application to loan closing, this seminar examines and explains the importance of proper documentation in the context of commercial lending.  The goal of the program is [...]

Commercial loans secured by real estate constitute the largest and most risky category of specialized loans in a financial institution’s portfolio.  A significant number of commercial loans include real estate as primary or secondary collateral.  Regulators recognize this situation and pay special attention to these loans in evaluating appraisals, the quality of the lender’s review [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This training webinar has been approved for 2.5 CRCM credits. With the universe of compliance rules, regulations, interpretations, and the like growing more complex every day, the potential to violate the rules multiplies. In [...]

This course explores the perception process that underlies and colors all communication.  It also focuses on two communication skills that are sometimes neglected: effective listening and nonverbal communication.  These skills are key elements in building good relationships with customers and co-workers.  After successfully completing this course, you will be able to:   define the five elements [...]

Is your institution taking a leading role and jumping into new channels of communication, such as Facebook, LinkedIn, blogs, and Twitter? Or are you taking a wait-and-see approach to see how things will shake out? Taking the defensive approach might not be the best move, since the most sought-after demographic, young affluent professionals, are proficient [...]

We tend to think of business and agricultural loans as being exempt from troublesome compliance requirements, but several compliance-related laws apply to commercial loans as well as consumer loans.  This checklist guides bankers through those traps and ensures compliance. Covered Topics: HMDA (for HMDA banks) Customer identification (CIP) Environmental risk analysis Appraisal/evaluation rules Reg B rules [...]

This training webinar will introduce bankers to a set of colorful checklists for consumer loans. The checklists lead bankers through the various compliance requirements and can virtually eliminate compliance errors. We’ll provide bankers with detailed checklists for eight types of consumer loans and cover all the usual compliance rules: Covered Topics •Truth in Lending (Right [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CFMP & CRCM credits. With everything else going on in the financial services industry, more than ever it is important that your advertising and marketing efforts are [...]

Keeping up with changes and deadlines in the bank compliance area gets more complex every year.  Now, we can assist you with that task. Carl Pry, a well known and highly respected compliance expert will be presenting a monthly one-hour compliance update that will address new items to be aware of, deadlines and what’s on [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CLBB credits. A construction loan is one of the most complicated loans that a financial institution will make. Construction lending requires knowledge of unique lending processes and [...]

A review of relevant federal regulations that impact transactions taking pace in a branch environment.  Attendees will discuss compliance communication and free resources to keep them up to date.  Emphasis is placed on using compliance as an aid to customer service and sales versus an obstacle to them.  Course objectives include:  creating a positive attitude [...]

This part of the curriculum provides a review of the relevant federal regulations that impact transactions which typically take place in a branch environment.  Attendees will discuss compliance communication and free resources to keep them up to date.  The emphasis is placed on using compliance as an aid to customer service and sales versus an [...]

The Institute of Certified BankersTM (ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CRCM and CLBB credits. Consumer (non-real estate) lending is one of the most regulated activities in the country, and with recent legislative and regulatory developments, more [...]

ACE Approved for College Credit Transfer! In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing this course, you [...]

In this overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing this course, you will be able to:  describe key laws or [...]

This workshop provides a review of the basics of consumer lending from the application process to loan closing procedures.  The importance of loan pricing as it impacts the balance sheet and the income statement will be included. At the conclusion of this session, you will be able to: Define and discuss consumer lending and its [...]

With the real estate market still going through times of change, pressure has been set upon lenders to make sure they are lending appropriately, and that they have portfolios that make sense. In particular, Commercial Real Estate portfoilos need to be reviewed as market conditions change. This seminar will review one method of reviewing a [...]

Discover why improving your service to consumers is a career investment. Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques [...]

On a daily basis a financial institution is faced with having to comply with a multitude of legal documents that are served on it. These documents can order the financial institution to produce confidential customer information, hold depositor funds, and can even order them to seize property in its possession belonging to the customer. If [...]

What is “appropriate” work appearance? Do you have the right to tell employees what to wear? How much can an employer dictate styles of dress, hair, perfume or jewelry? Where do company appearance rules become discriminatory or violate employees’ legal rights? This program will cover the practical and legal issues and the current trends in [...]

Operational losses attributable to fraud, specifically debit and payment channel fraud are changing right in front of our eyes, and at a pace that threaten both your accounts and the reputational integrity of your financial institution. Please join us as we explore why your “sales market” is local, but your “risk market” is global, and [...]

This course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership.  At the conclusion of the program participants will be able to:  understand deposit investment counseling; state the account owner’s rights and responsibilities; [...]

With the advent of new and innovative payment options available to consumers, criminals are exploiting these payment options in ways many Internet providers did not plan for, nor anticipate the affects on other entities in the payment stream. Financial Institutions of all sizes must be aware of and plan for the fallout. Join us for [...]

In recent years, we’ve seen e-mail trigger million-dollar jury awards and regulatory fines, savage corporate reputations, sink careers, and fuel media feeding frenzies. Last year, 24% of companies had e-mail subpoenaed; 9% battled lawsuits triggered by e-mail; and 26% fired employees for e-mail violations, according to American Management Association/ePolicy Institute research. While e-mail creates the [...]

Todd Martin is president of Todd P. Martin Economic Services, an economic consulting firm located in Fairfield Connecticut and a visiting professor of economics at Fairfield University.  He was chief economist for People’s United Bank for over 10 years and during his 25 year career at the Bank was responsible for asset liability management, strategic [...]

ACE approved for college credit transfer! This macroeconomics course applies economics to phenomenon that students are familiar with and interested in.  This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition.  This econimics course focuses on macroeconomics, and offers a unique blend of solid theory, [...]

It is no secret that small business owners need and want to work with a banker who understands his or her business. This comprehensive one-day training workshop is designed to guide you to connect with current and prospective customers to develop mutually beneficial relationships. By employing the six steps to business development success, you will [...]

This course helps you to improve your written communication skills.  Good grammar and punctuation skills are prerequisites for this course.  The course content includes:  three stages of the writing process and special financial service writing characteristics; the “you attitude” writing technique; determining the reader’s need for scope, depth and language; complete, efficient and emphatic sentences [...]

Combined with the personality assessment tool used to evaluate each participate, this workshop helps participants examine their own communication styles and provides them with practical techniques for communicating as managers and supervisors.  This workshop also focuses on how to become an effective business writer.  Excellent writing requires purposeful, reader-oriented, organized approach to communicate clearly and [...]

This course will provide participants with the skills needed to make confident and effective referrals. This course supports the Relationship Selling model used in the Introduction to Relationship Selling course. After successfully completing this course, you will be able to: describe what customers expect from their bank; identify sales and service referral opportunities; use benefit [...]

As consumers become more and more dependent upon electronic transactions for making deposits to and withdrawals from their accounts, it is imperative that all deposit personnel understand the financial institution’s rights and responsibilities with regard to the Electronic Funds Transfer Act (Regulation E). Furthermore, recent amendments to the regulation are going to increase a financial [...]

During the past decade, American businesses have shifted their focus in human resource management and labor relations to employment issues such as wrongful discharge, sexual discrimination, and other employee rights.  After successfully completing this course, you will be able to:  describe Employment-at-will; identify commonly committed workplace torts; understand Title VII of the Civil Rights Act [...]

Do you feel like some of your staff is running at top speed while others are stuck in idle? Do you feel you’ve tried “everything” with a certain employee and nothing seems to work? This workshop is designed to rejuvenate yourself in your supervisory capacity and to guide you in developing strategies to stimulate your [...]

This course is designed for anyone who wants to improve his or her language skills.  After successfully completing this course, you will be able to: use nouns, pronouns, verbs and adverbs properly; recognize and correct personal grammar problems; identify proper speech and sentence structure; identify the proper use of plural and possessive words; and build [...]

InterAction Training has been providing the Essential Teller Issues workshop for over 20 years and consistently receives rave reviews. And, that’s a challenge when you offer evening training for tellers who have been at work all day. Your trainer for this program is Honey Shelton, she brings humor, knowledge and fast-paced learning to this important [...]

Well-meaning people often make errors in judgment simply because they have not given enough thought to issues.  Good and bad, or right or wrong, are not always easily discerned.  However, ethical management practices are essential to every business’s continued success.  In addition to making sure organizational rules and codes of conduct are followed, a manager [...]

The Final (we hope) Section of FACTA compliance guidelines (rules) are to be implemented on January 1, 2011. After reviewing this Section you will understand why the Agencies saved this section for last. As usual, you will need written policies, however, this time the FEDs have added several options regarding how to determine when and [...]

There have been few times with as many regulatory changes in the area of residential real estate lending than right now. New Reg. Z rules, new RESPA rules, new flood insurance Q&As, fair lending in the regulators’ crosshairs, and so on. In this webinar, we’ll discuss all the new changes and get you ready to [...]

Financial Institution failures and the other problems being reported in the press daily has reminded bankers and depositors alike of the importance of understanding how FDIC deposit insurance coverage works. Furthermore, with all of the inaccurate information being publicized, it is more important than ever before to know the ins and outs of FDIC insurance [...]

DON’T MISS THE COMPLIANCE EVENT OF THE YEAR! CFT’s Annual Compliance School features nationally recognized compliance experts.  If you are new to compliance, this School is a must!  If you are a seasoned compliance professional, come for the updates, changes and chance to network with your peers. CFT’s Annual Compliance School gives you what you [...]

(Recommended prerequisite:  Accounting Basics or Accounting Fundamentals) ACE approved for college credit transfer! This course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and posting; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning [...]

This seminar begins where the basic Analyzing Financial Statements seminar ends.  After a brief review of the issues and concepts discussed in the basic program, you will learn additional tools of financial analysis and apply these tools in case studies. Cash flow is a primary focus of the program, along with practical tools of analysis [...]

This is part one of a two-part webinar series. Save $50 when you sign up for both sessions. Organic growth results when a financial institution figures out how to better leverage three of their most valuable and under utilized assets: the markets in which the financial institution is currently doing business, its customers and contacts. [...]

This is part two of a two-part webinar series. Save $50 when you sign up for both sessions. Organic growth results when a financial institution figures out how to better leverage three of their most valuable and under utilized assets: the markets in which the financial institution is currently doing business, its customers and contacts. [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CLBB & CRCM credits. With flood insurance rules having been around as long as they have, you’d think compliance would be a snap. Not the case. There [...]

A seasoned state bank regulator facilitates this interactive, on-line course. The 5-week course consists of many activities, including:  analyzing 21 actual fraud cases; viewing PowerPoint presentations on audit, internal controls, and cyber banking; reflecting on and discussing specific fraud issues; interacting with the other participants and the facilitator regarding these issues and the red flags [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CBT, CCSR, CFSSP, CRCM, & CSOP credits. There has been a dramatic increase in the number of fraudulent cashier’s checks. Virtually every day a warning is distributed [...]

This 3-day program will equip both new and experienced head tellers with the practical skills necessary to support your branch goals and have immediate impact back on the job.  Fact:  Research indicates that employees are promoted 70% of the time to supervisory positions because of their technical skills.  However, 80% of the time, they are [...]

The HMDA-LAR has been called the ground floor of a fair lending examination. It is a goldmine of information simply because it contains demographic information of applicants and borrowers. Performing analysis of HMDA data is no longer a best practice; it is an expectation of examiners. After all, they too are using statistical and other [...]

As the market comes back, more and more home owners will turn to HELOC’s as a source of funding. This class will give a great overview of all the aspects of a HELOC. Covered Topics: HELOC vs. Conventional loans Loan Structure Repayment Structure Valuation choices Who Should Attend: This webinar is designed for originators, loan [...]

As of May 1st 2009, FNMA/FHLMC requires that all lenders selling loans to them adhere to the new Home Valuation Code of Conduct – HVCC. As with many of the regulations put in place by the Secondary Market, this will quickly become standard procedure within the industry.  Join J.T. Turner, Trainer and Consultant, for an [...]

New Reg. Z Higher-Priced Mortgage Loan (HPML) rules mandate that lenders for certain home mortgage loans escrow for taxes and insurance for at least the first year. The rule provided for six months for banks to get ready to start providing escrows, which is just about now. Although there are calls for the Fed to [...]

Sooner or later, all supervisors handle “sticky” situations—the ones you never learned about in school.  This workshop takes a look at how to foster excellent communication and interpersonal skills, so that you can handle even the toughest situations with grace, diplomacy, and effectiveness.  You’ll learn how to handle resistance to change, how to handle failure [...]

Some of our best and most profitable financial institution customers are legal entities. Unfortunately, establishing relationships with business entities can be confusing, and if done incorrectly, they can become costly liabilities. One of the most effective ways for a financial institution to protect itself from business entity liability is by obtaining a well-drafted, properly-executed resolution [...]

ACE approved for college credit transfer! This course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior.  The role and function of the individual within an organizational structure are addressed. Diploma Applications: Introduction to Human Resources Certificate Introduction to Supervision Certificate Financial Services Management Diploma

Employee skills and motivation are critical for organizational success.  This course will help anyone increase their effectiveness, along with that of individuals with whom they work and the organizations of which they are a part.  After successfully completing this course, you will be able to:  understand the concepts, processes, and practices that form the basis [...]

This course offers advanced treatment of the technical issues involved in developing and implementing selection programs within organizations. This course provides up-to-date research and applications for those already working in selection and provides current examples and exhibits. Human Resource Selection covers legal, global and ethical concerns, psychometric measurement concepts, job analysis, predictors of job performance [...]

You have 30 days to be in Compliance. The Agencies (OCC, FRB, FDIC, OTS, NCUA, and FTC) have released final rules for FACTA Section 312 requiring strict guidelines for furnishers of consumer credit information to National Credit Reporting Agencies (NCRA). This Section also allows consumers to Directly Dispute credit information with the Financial Institution that [...]

This newly revised course covers the changes prompted by The Economic Growth and Tax Relief Reconciliation Act of 2001 and the Re-proposed Required Minimum Distribution Regulations.  After successfully completing this training course, you will be able to:  describe the eligibility requirements and contribution limits for IRAs; understand the tax deductibility requirements of IRA contributions; identify [...]

The workforce today is made up of more diverse groups than ever before.  With so many applicants to choose from, hiring managers are challenged to select the best people for their job openings.  Interviewing & Hiring Techniques will provide tips on evaluating cover letters and resumes as well as pointers for conducting the all-important interview.  [...]

The approach to commercial lending is very different from traditional consumer or mortgage lending. Workshop attendees will develop the skills needed to analyze and qualify the business loan applicant, using the Five C’s of Credit from a business loan standpoint:  Capacity, Capital, Collateral, Character, and Conditions.  Introduction to Commercial Lending will provide a systematic approach [...]

(Recommended prerequisite:  Marketing) Introduction to e-Commerce provides a solid foundation in all aspects of conducting business in the networked community. This course focuses on what a manager needs to know about internet infrastructure, strategy formulation and implementation, technology concepts, public policy issues, and capital infrastructure in order to make effective business decisions.  Audience:  Anyone wishing [...]

This course provides an understanding of the basic security options available to consumers such as stocks, bonds and mutual funds.  Emphasis is placed on mutual fund categories commonly available through company 401-K plans. While this course is not intended to be a financial planning session, it will help educate students about the characteristics, risks, and [...]

This webinar will introduce and reinforce skills needed to properly Underwrite a Conventional Mortgage Loan. In the current business climate, sound underwriting practices are critical, and this class is an excellent overview to the Underwriting step.       Covered Topics: The Underwriters Role Terminology Products The Loan Application Income Calculations and Types Debt Structure [...]

One of your longtime IRA accountholders calls to ask you a question regarding his IRA beneficiary designation.  When you open his folder, you realize you don’t have a record of a beneficiary designation.  You calmly tell him you will call him back after doing further “research”.  Panic sets in as you open other IRA folders [...]

You have finally received the promotion you’ve been dreaming about – IRA Coordinator!  Now what do you do? Were you able to get even a little bit of training before the last Guru left the bank – or are you “on your own”?  Because of their extreme complexity, IRAs are a very difficult product to [...]

Now is the perfect time to grow your IRA business with rollovers from employer-sponsored retirement plans. Rollover assets are expected to increase significantly in the next few years. Along with the millions of baby boomers contemplating retirement, job changers, beneficiaries, and the unemployed will need assistance with their retirement assets. Is your organization equipped to [...]

The IRA Essentials seminar is one of our most popular seminars.  Each year thousands of IRA professionals attend this seminar to enhance their knowledge of Traditional and Roth IRA’s, including the latest information on IRA portability, beneficiary, and reporting rules. Our experienced instructors use classroom instruction, multimedia presentations, and real-life examples to create an ideal [...]

Please Note:  This online course is self-paced and does not include instructor facilitation. Part 1:  IRA Contributions This training course explains the regulations that govern IRA contributions. This includes traditional IRA contributions, Roth IRA contributions, rollovers, transfers, excess contributions, recharacterizations, and conversions.  Objectives:  Explain the regulations, deadlines, and reporting requirements for traditional and Roth IRA contributions. [...]

This course is designed to introduce participants to the fundamentals of Individual Retirement Accounts. Upon completion, attendees will understand eligibility requirements, contribution limitations, distribution rules, and the servicing and reporting requirements of IRA’s. Topics to be covered include: the five types of retirement plans; eligibility and allowable contributions to IRA’s; types of contributions to and distributions [...]

With each new year comes new changes to IRAs.  The Tax Increase Prevention and Reconciliation Act signed into law in 2006 will implement income adjustments to the Roth IRA Conversion rules. There are also some reporting changes on the IRA reporting forms to the IRS.  There may also be some cost of living adjustments to the [...]

Now you have made it to level where you can hear those three letters “IRA” and not want to hide under your desk until the customer or member leaves.  Building on the knowledge, in this session we will cover some of the more complicated areas of IRAs.  These are the topics that offer the most [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CRCM credits. It’s that time of the year again when thoughts turn to IRS reporting issues and the myriad rules to follow and forms to complete. This [...]

ACE approved for college credit transfer! Business law and, more generally, the legal environment of business have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts [...]

ACE approved for college credit transfer! Business law and, more generally, the legal environment of business have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts [...]

This course discusses how supervisors can use proven techniques to empower their employees.  The content of the course includes:  team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees. Diploma Applications: Introduction to Supervision Certificate

This course discusses how supervisors can use proven techniques to empower their employees.  The content of the course includes:  team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees. Diploma Applications:  ISC

The collection process is fraught with potential liability.  Debtors who can’t or aren’t willing to pay their obligations are looking for ways to get out of paying their obligations.  Making a mistake in the collection process can mean the loss of rights to go after the debtor and the collateral.  This webcast training seminar will [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CFSSP & CRCM credits. Check fraud losses are estimated to be in excess of $18 billion each year. With more and more counterfeit checks flooding financial institutions, [...]

Non-Profit Organizations (“NPO”) generally comprise a large percentage of outstanding loans on the books of community financial institutions.  Most of these loans are extended to Religious Organizations (Churches).  The skills required to understand and underwrite the credit risks involved in this type of lending is quite different from lending to For Profit Organizations (“FPO”). Unlike [...]

This webinar focuses on evaluating key provisions in financial institution loan documents for loans that are in default. In addition, you will learn important tips for strengthening the documents that you use in future loan transactions. In the current economic environment, loan documents are being more carefully scrutinized. Learn how to evaluate and improve your [...]

This is an excellent training webinar for those new to taking in Residential Loans, or those who wish to increase their knowledge and sharpen their loan origination skills. Topics Covered Include: •Fast Qualifying •Loan Application Review •Key Disclosures (GFE, TIL) •Legal Concerns Who Should Attend? This webinar is designed for anyone who takes in loan applications, including [...]

(Recommended prerequisite – Supervision) ACE approved for college credit transfer! This training course presents management theory and applications in an engaging narrative style not commonly found in textbooks. The author’s unique organization and features focus on the critical theories and enhance them with detailed examples that draw the reader into the reading and clearly show [...]

A management development initiative that will serve to develop and enhance the capabilities of your managerial staff. The proposed initiative will focus specifically on the retail banking management staff who have responsibility for supervising/managing and developing human capital. The desired outcome for the initiative is to create an environment where managers are developing their employees [...]

This highly acclaimed webinar speaks directly to branch managers and reviews practiced, tested management techniques that turn the branch office into a winning operation.  All methods discussed and examples used will be geared to your Branch Management situations. How to win back customer trust?  Produce greater results at your branch!  Motivate staff in a recession?  [...]

Learn how to successfully manage the “real world” challenges and opportunities that face today’s branch manager.  This training program will provide you with the know-how, confidence, and techniques to keep your team members’ productivity and morale up to par. You will discover many new ways to break through barriers, ho-hum thinking, and resistance in order [...]

Situation:  Business leaders these days must both manage and lead–and that means inspiring staff to adapt to change and produce bottom-line results.  This practical, interactive communication boot camp focuses on everyday tools and techniques today’s bankers must have to succeed. In this full-day communication boot camp, participants will:  Discuss their personal values; Identify their bank’s [...]

Change is an everyday reality in business today and the responsibility for making it work falls to managers and supervisors who must take the leadership role.  People in your workforce can be confused, resistant, and disheartened – mergers, takeovers, layoffs, downsizing, new technology, and the intensity of increased competition are only words until they happen [...]

This course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate [...]

This easy-to-use, computer-based software course is perfect for understanding and implementing sound management of the bank’s investment portfolio. Topics include: fixed income prices and yields; interest rates and the yield curve analysis; securities in a bank’s investment portfolio; mortgage backed securities; and, an extended section on portfolio management including setting objectives, policy and strategy. The [...]

This course covers the management principles needed by today’s supervisors. It discusses how supervisors can use processes and systems to encourage maximum productivity of their employees.  Topics to be covered:  how to use an effective interview process to select the best candidate; the mentor system and techniques for training employees; establish expectations and measure productivity [...]

ACE Approved for College Credit Transfer! The primary objective of Essentials of Services Marketing: Concepts, Strategies Cases, is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing [...]

Marketing your mortgage products to Real Estate Agents, Realtors, and Attorneys is a great way of establishing a constant source of referral business.  But it also requires a great deal of knowledge and skill to make an impact in a crowded marketplace.  You will find this seminar to be as motivational as it informative!  Topics [...]

Many customer interactions with a financial institution now happen on the telephone. This training webinar will help you to maximize your telephone effectiveness from both a service and sales standpoint. Learn how to build a relationship from the greeting through the end of the call. You will also learn how to diffuse anger and complaints [...]

Don’t be chairman of the bored! Learn how to become the facilitator of lively and productive meetings. This workshop will help you get more out of your meetings by providing tips, techniques, and strategies that you can immediately apply. Learn how to set up winning agendas, get Customers to read advance mailings, improve attendance and [...]

Training Highlights: Learn how to query with SQL Create crosstab, parameter, and action queries Create macros Import, export, and link database objects Work with XML documents Work with Windows SharePoint Services Optimize databases Password-protect and encrypt databases Set Access options and properties Create hyperlink fields

A more in-depth study of Access 2007 focusing on the following: Database normalization, relate tables, implement referential integrity, create and modify lookup fields, sub datasheets, join tables in queries, calculate fields, summarizing and group values, add unbound controls, add graphics, add calculated values, add combo boxes, advanced form types, customized headers and footers, printing, create [...]

An introduction to Access 2007 covering the following: Plan your database, create new databases, enter and edit data, organize records, set field properties, set validation rules, query your database, modify query results and queries, perform operations in queries, create and use basic forms, sorting and filtering records , create and print basic reports, customize fields [...]

Training Highlights: Work with advanced formulas,and lookup functions such as VLOOKUP, MATCH, and INDEX Use data validation Use database functions such as DSUM Work with PivotTables and PivotCharts Import and export data Query external databases Use analytical features of Excel (such as Goal Seek and Solver) Run/Record macros Share Excel data via the Web views

A more in-depth look at Excel 2007. Program highlights include: Use multiple worksheets and workbooks efficiently, work with more advanced formatting options including styles, themes, backgrounds, and watermarks, create outlines and subtotals, create and apply cell names, work with lists and tables, save workbooks as web pages, insert and edit hyperlinks, save a workbook as [...]

An introduction to spreadsheet terminology and Excel’s window components. Training highlights include: Use the Help system, navigate worksheets and workbooks, enter and edit text, values, formulas, and pictures, save workbooks in various formats, move and copy data, learn about absolute and relative references, work with ranges, rows, and columns, create simple functions, learn basic formatting techniques [...]

A more in-depth look at PowerPoint 2007.  Training Highlights include: Apply application settings, use custom themes and templates, work with advanced slide master techniques, modify clip art, use media clips, animations, and photo albums, customize Smart Art graphics, customize tables, create action buttons and custom slide shows, create comments, finish and distribute a presentation, publish [...]

An introduction to PowerPoint 2007 highlighting the following: Create new presentations, save presentations, rearrange and delete slides, use slides from other presentations, text formatting, modify text, use the drawing objects, use WordArt, insert pictures and clip art, insert a table, create charts and diagrams, use templates and themes, work with slide masters, use transitions and [...]

Training Highlights: Use mail merge (create form letters, mailing labels and envelopes and data sources) Work with objects and backgrounds Create forms Work with long documents (master documents, tables of contents and figures, indexes, bibliographies, etc) Create bookmarks and cross references Create web frames Work with XML

A more in-depth look at Word 2007.  Training Highlights include: Work with styles and with outlines, use full screen reading view, create and format sections, work with columns, format tables, print labels and envelopes, work with templates, use building blocks, use document properties, create diagrams, work with the drawing tools, format text graphically, track changes in [...]

An introduction to Word 2007.  Training Highlights include: Explore the Word window, create, revise, print and save documents, select text, edit text, move, copy and paste text, insert and delete text, format text, insert headers and footers, change margins, insert page breaks, check for spelling and grammatical errors, use AutoCorrect, find and replace text, print documents, [...]

(Recommended prerequisite:  Economics) ACE approved for college credit transfer! Money and Banking teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology [...]

This fast-paced, all inclusive workshop covers every aspect of succeeding at leading the tellers to excellence. Think it’s time to shape your tellers into Sales and Service Stars? Want to see more enthusiasm, an end to balancing problems, extraordinary service providers, adherence to audit and regulatory issues? This is the workshop for you and your [...]

The concepts in this course are meant to help create a work environment where people are empowered and inspired to excel.  There are simple ways to identify and remove the complications that make it difficult to do a good job and every supervisor or manager can learn them.  Motivating Your Staff explains what people want [...]

The Institute of Certified Bankers (ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry.  This webinar has been approved for 2.50 CBT, 2.50 CCSR, 2.50 CFSSP, 2.50 CRCM, & 2.50 CSOP credits.  This statement should not be viewed as an endorsement of this program or its sponsor. [...]

People who are “nice guys,”  those who try to please everyone, don’t win.  And people who are bullies, those who aim to intimidate others into submission, also don’t win.  Winning depends on knowing how to negotiate.  Every day, all day, we negotiate with colleagues, customers, people reporting to us, our bosses and vendors.  This practical, [...]

Learn to detect new account fraud at every stage-from the application to the account-opening decision.  Course content includes:  new account fraud types; applicant interview process; identification documents and verifying applicant information; suspicious applicant behavior and transactions; account opening decision-making process.

If the time has come to provide formal training to your new hires and you don’t know where to begin, we can help.  Our new hire teller training services can: Design training materials to provide a strong foundation for basic teller functions such as negotiability, counterfeit money detection, customer service, robbery procedures, and compliance with [...]

Being a notary public is a responsibility assumed by many financial institution employees. Unfortunately, most do not understand the personal liability assumed when agreeing to serve in this capacity. This two hour training webinar is designed to provide notaries with the best practices for dealing with issues that are unique to the financial industry. This [...]

Are you preparing to take the Notary exam or interested in learning more about becoming a Notary Public?  If so, this popular training program will take the mystery out of the office. In clear simple laymen’s language the authority, duties and responsibilities associated with the title of Notary Public will be explained. You will learn [...]

Business Development is a vital part of the lending process for Loan Officers, Relationship Managers, Branch Managers, Customer Service Representatives and anyone who has the responsibility of developing good business for their financial institutions. Understanding how to build and retain a profitable customer base is essential for the successful banker and for financial institutions that [...]

“It’s just a little new account job, right?” If that’s the case, why do we feel like we are acting as “estate planners” instead of “account opening professionals”? The main reason is, in many states, the signature card and account agreement could possibly override formal documents created outside of the financial institution – for example, [...]

It is no longer “okay” to open accounts for non-documented businesses. When you open a commercial account you should verify this is a legal business and who is authorized to transact business on behalf of that entity. In this two hour Webinar, we will investigate the types of business entities available in most states and [...]

Formal, Informal, Revocable, Irrevocable, Minor Custodial Accounts, Guardianship, Conservatorship – what does it all mean?  It never fails to raise the panic level when someone dumps a binder full of legal trust documents on your desk or presents the financial institution with court documents.  This two hour webinar will delve into the responsibilities of collecting [...]

There’s been a sea of change in the basis of competition in most industries, and the banking industry is no exception. If you or your business clients ignore it, you’ll be caught in dangerous undertows that, at some point, are impossible from which to escape. We’ve become a copycat economy in which customers see fewer [...]

In this two hour workshop, let an ITS trainer help you learn how to contend with burnout, gossip, unprofessional behavior, employee and customer conflicts, and poor attitudes. Managers will learn how to get the frontline teaming instead of steaming, choosing actions instead of reacting, choosing a good attitude to avoid burnout, making gossip only familiar [...]

Topics included in this two-day program include Small talk Telephone talk Networking Conversation techniques Giving and following directions Learning new idioms and vocabulary Using your knowledge in role-play situation Audience:  High Intermediate/Advanced English language learners.

This workshop focuses on using the strength of your employees to build synergy and teamwork.  As a supervisor and manager, you are judged by how well your employees are learning and meeting performance standards and by how you are appraising and praising performance. At the conclusion of this session, you will be able to: Understand [...]

For Customer Service Representatives to provide the service that you expect, they must be proficient in the following areas of operation:  Product Knowledge Account Ownership Compliance with Regulations such as DD, CC, and P FDIC Insurance Opening New Accounts Decedent Accounts Platform Essentials Training will help new platform employees become comfortable in handling the requests of [...]

Every day financial institutions are required to complete transactions for customers that involve Power of Attorney or Living Trust documents. To protect the financial institution’s interests when using these documents, it is imperative to understand the basic do’s and don’ts. This two hour presentation is designed to provide financial institution personnel with the best practices [...]

Situation:  People who want to get ahead in today’s dynamic, competitive  and challenging financial services industry must be strong communicators –and that begins with how we present ourselves to others.  This communication boot camp focuses on the practical, everyday tools and techniques we can use to earn the respect of our colleagues.  In this full-day communication boot [...]

Fraud is a multi-billion dollar industry and the fraudsters aren’t just in the big cities. Studies show that the average dollar amount a single fraud case costs an American company has risen to more than $8,000 per incident. While the clever Citicorp commercials have raised the level of consumer awareness, the crooks are more plentiful [...]

ACE approved for college credit transfer! This course explores the fundamental principles and practices of banking and credit in the United States.  The course gives an excellent overview of financial services, including information on human resources, marketing, and ethics.  Topics to be covered include:  money and interest, negotiable instruments, mortgages, commercial lending, security and ethics, [...]

This seminar will review the forms, terms, and methods of processing a residential mortgage loan application.  The material provides an excellent overview of the processing of mortgage loans and also serves as a strong platform for basic underwriting skills. Topics to be covered include: NEW Good Faith Estimate (required as of January 1, 2010) “Three [...]

Designed to be as motivational as it is educational, this conference also provides a terrific opportunity to network with a group of bankers who represent several states and a full-range of banking capacities.  You will find that the conference workshops certainly reflect this diversity.  The conference includes: a welcome reception Friday night, all three meals [...]

This workshop takes a hands-on approach to project management to help you conceive, prepare, organize, execute, and evaluate projects in an orderly and efficient manner.  It will help you develop and strengthen skills critical in project management, such as goal setting, monitoring, time management, meeting management, budgeting, and more.  You’ll learn how to deal with [...]

Credit (Risk) Analysis is one of the most important functions performed by financial institutions. Since interest and fee income from loans represent the largest source of revenue for financial institutions, it is vital that thorough credit analysis be performed before loans are approved and funded. The Credit Analysis process starts with spreading historical financial statements [...]

This Real Estate Appraisal Review Course is designed primarily for financial institutions professionals who review and analyze appraisal reports in their job assignments. The term Agencies in this course refers to one or all of the following: Federal Deposit Insurance Corporation (FDIC) Federal Reserve Board (FRB) Office of Thrift Supervision (OTS) National Credit Union Administration [...]

(Recommended prerequisite – Residential Mortgage Lending) ACE approved for college credit transfer! Mastering real estate appraisal has never been easier.  Both simple and complex subjects are covered in terms that are easy to understand and accurate.  This course references and explains the Uniform Standards of Professional Appraisal Practice, introducing all of the appraisal related topics [...]

This course provides cutting-edge coverage of specialized mortgage lending procedures—including sources of mortgage money, constraints on those sources, loan qualifications, and laws and regulations that guide practices. Diploma and Certificate Applications: Real Estate Lending Diploma Commercial Lending Diploma

(Recommended prerequisite – Residential Mortgage Lending) ACE approved for college credit transfer! This course brings to life the color and law of real estate in day-to-day settings.  In addition to the lively case selection, it also has a clear set of rules that will enable you to recognize, solve, and prevent legal issues.  As a [...]

This course will focus on basic real property law concepts that are frequently encountered by bankers. The objective of this course is to familiarize bankers with concepts they will encounter when making loans secured by real estate or when making loans to tenants in real property. The course will assist the lender when structuring loans [...]

The Institute of Certified Bankers (ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CRCM credits. Retention and management of records is more complicated than just deciding what to keep and for how long. In what form should records be [...]

Now that we’ll be about 2 months into the major RESPA changes and a few more months into the Reg. Z changes such as the MDIA early disclosure rules and HPML rules, how are you doing? What problems have you encountered in your operations and compliance efforts? We’re not done yet, either – stage 2 [...]

Perhaps no regulation is as difficult to comply with overall as Reg. Z. We’ve never seen so much activity around changes in Reg. Z as we’ve seen the past 2 years. We have the MDIA requirements, Credit CARD Act provisions (that affect more than just credit cards, by the way), and the most-recent massive proposed [...]

Whether you report to one or all four of the National Credit Reporting Agencies (NCRA), you are required to comply with the Fair Credit Reporting Act and the FACTA amendment. It’s not what you know that will hurt you-it’s re-polluting the consumer’s file that can cost your Financial Institution plenty! We will review FACTA Section [...]

ACE approved for college credit transfer! This training course covers construction and permanent financing for residential property; real estate law; documentation; mortgage loan servicing; the secondary mortgage market; the role of government in mortgage lending; and residential real estate as an investment.  The discussion of underwriting, processing, and servicing will give participants a framework for [...]

The content of the training course includes the following:  mortgage loan products and documents; types of costs associated with a loan; interest, simple interest and amortization; fixed-rate and adjustable-rate mortgages; regulations that affect lending practices; steps in the lending cycle; analyzing an applicant’s income, assets and debits; and the steps in loan closing.

This training course includes the following key topics: key mortgage regulations and laws; fixed rate, adjustable rate, conventional and FHA/VA loans; analyzing and evaluating mortgage application risk; market value appraisal steps and concepts; closing on a mortgage application; reducing loss in collections; and the secondary mortgage market. Audience: Designed for mortgage lending professionals and anyone [...]

This course provides a broad understanding of financial institutions. After successfully completing this course, one will be able to: describe consumer financial needs and matching products; understand retail financial institutions’ charters and organization; utilize types of deposit and lending services; describe customer/member service operations and support departments in retail financial institutions; and practice regulatory and [...]

In today’s current economic environment, managing the Commercial and Consumer Loan Portfolio is paramount in order to maintain a safe and sound financial institution. The five regulatory agencies are becoming more demanding in their review of banks in light of the recent large bank failure that occurred on the west coast and the increased number [...]

It is essential for lenders and loan administrators to know and understand Revised Article 9 (RA9) of the Uniform Commercial Code (UCC). RA9 governs and controls secured transactions involving primarily personal property. This presentation is designed to provide the participant with an overview of the important facts lenders and loan administrators must know to perfect [...]

The “Right of Setoff” is a term frequently used in the banking industry when trying to collect on past-due debts owed by customers. Unfortunately, many bankers do not understand the legal requirements and the procedures that are necessary to use this process. The risks of using the process incorrectly can be costly to a financial [...]

One of the last requirements of the FACT Act has finally come home to roost – the risk-based pricing notice. The new requirements are effective January 1, 2011. Do you know what is required? This webinar will discuss in-depth the requirements of the new rule, which in a nutshell require a notice be provided to [...]

Customers demand exceptional service, you want to deliver it. Yet there are some who want to exploit it. The frontline staff has to balance all of these demands and perils on a daily basis. This training program will provide innovative ways for the front line staff to engage in customer service practices that delight customers, [...]

There has never been a more misunderstood retirement account than the Roth IRA.  Who wants to pay more taxes?  The answer is NO ONE!  And that’s just one of the more favorable benefits of depositing money into a Roth IRA.  If you are looking at sorting out the truth from fiction regarding Roth IRAs, this [...]

Questions regarding the Suspicious Activity Report (SAR), USA Patriot Act, deceased renters, past due boxes, abandoned property, payable-on-death clauses, power of attorneys, Americans with Disabilities Act, and many other legal and compliance areas have caused great concern and confusion for the safe deposit industry. At this workshop you will receive current information about all of [...]

The Institute of Certified Bankers (ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. Safe Deposit Security, Liability & Self Service Boxes (2010 Update) has been approved for 2.5 CPB, 2.5 CRCM credits. This statement should not be viewed as an endorsement of this program or its [...]

The safe deposit operation is a unique, fast-changing service in the financial industry. It is the only product or service in which members of your staff do not know the value of a consumer’s assets. As a result, every vault transaction can lead to considerable liability. Effective procedures and sound daily practices can counteract and [...]

This training course challenges financial institution employees to see themselves as sales professionals. It provides the tools needed to achieve the level of sales professionalism required by financial institutions today. Upon completion of this sales training course, participants will be able to: overcome hesitations about selling and benefit from a professional approach to sales; recognize [...]

This workshop focuses on participants developing specific coaching and feedback skills to help them develop and maintain an effective sales process in their branches. At the conclusion of this session, participants will: Gain confidence in their roles as coaches in building sales cultures. Develop specific feedback skills they can apply on-the-job immediately. Understand effective coaching [...]

This is a basic, interactive training workshop to build skills for effective customer sales and services performance in the branch office.  Most of the participants will have already had sales training and this module will serve as a refresher and allow participants to improve their skills. At the conclusion of this session, you will be [...]

This webinar will provide bankers with a clear understanding of Article 9’s key rules. We’ll include simple. straightforward information. Covered Topics: Jointly-owned collateral Lapse period Debtor name Termination Priorities Purchase-money situations Information on securing and perfecting common types of collateral This webinar will include a colorful and easy-to-read handout that can be used for future [...]

At this training session, the participant will learn how to protect the assets of his or her financial institution by detecting and preventing check fraud.  Physical security at the branch will be reviewed.  In addition, you will become skilled at identifying security warning signs including kiting, embezzlement, and money laundering. At the conclusion of this [...]

This one-day program is designed to assist business lenders in meeting the credit needs of their small business customers and overcoming the challenges that those customers present in today’s difficult lending environment.  Students who attend this session will learn to ask the right questions of business borrowers and to match the correct banking products to [...]

From Twitter and Facebook to YouTube and blogs, social media dramatically increase financial institutions’ exposure to lawsuits, regulatory fines, security breaches, mismanaged business records, productivity drains, PR nightmares and other costly and protracted risks. American Management Association/ePolicy Institute research reveals that employers increasingly are using social media policy to manage risk. In 2009, companies used [...]

We can finally see the finish line. On August 22, 2010, final rules implementing Stage 3 of the Credit CARD Act become effective. The changes here impact almost exclusively credit card issuers and servicers, but the changes affect also those who service existing credit card accounts in significant ways, especially regarding the way increases in [...]

Situation: Only strong teams are smart enough and focused enough to deliver word-class customer service.  Teams that are weak, divided and demoralized simply don’t have what it takes to satisfy today’s demanding customers. They often waste time, money and good will.  And that means loss of revenue and loss of jobs. Solution:   The Boot Camp [...]

You’ve got your eye on the prize: a highly productive branch where everyone works well as a team and customers can “feel the love” and reward it with loyalty.  Everything begins with you:  The Branch Manager. Your energy, attitude, communication skills, interpersonal practices, and innovative approaches can go a long way into making your branch [...]

ACE approved for college credit transfer! Supervision blends skill-building techniques and traditional management principles to prepare students to become supervisors in today’s business world. The course will emphasize that supervision is working through people to develop and empower them to become better and more efficient in their roles, and closely follows the SCANS requirements for [...]

This “nuts-and-bolts” workshop is crammed with dozens of “field tested” techniques to put you on the path to supervisory success. You’ll get proven, practical techniques and strategies that will really make a difference in dealing with the transition to supervisor, capitalizing on the skills that you already have. Through group discussion, practical exercises, and coached [...]

This “nuts-and-bolts” training workshop is crammed with dozens of “field tested” techniques to put you on the path to supervisory success.  You’ll get proven, practical techniques and strategies that will really make a difference in dealing with the transition to supervisor, capitalizing on the skills that you already have.  Through group discussion, practical exercises, and [...]

This webinar is designed to give mortgage lenders a better grasp of tax returns and their importance in making quality loan decisions. PLEASE BRING A CALCULATOR TO THIS WEBINAR! Topics To Be Covered: When tax returns are needed An in-depth review of personal, corporate, partnership, and s-corp returns Qualifying methods used by secondary markets Profit [...]

The focus of this workshop is to learn how to value what each individual brings to the team and communicate more openly and directly with each other.  Participants will learn specific team-building skills such as team problem solving, motivation, consensus building, and group dynamics. At the conclusion of this session, you will be able to: [...]

Tellers are the first line of defense against fraud. This training program will give your tellers some tools to fight the war on fraud. They will learn how to spot red flags, learn some techniques to look for suspicious items, and learn how to put it into practice.  Topics to be covered include:  learn how [...]

After successfully completing this training course, one will be able to:  describe the expectations of your role as a teller; respond effectively to difficult customer situations; understand the cross-selling opportunities provided by daily transactions; distinguish between genuine and counterfeit currency; avoid balancing errors; conduct proper procedures during a robbery, fire or other emergency; explain the [...]

Refresher classes fill in the gaps when formal training has not taken place or reinforcement is needed in specific areas such as: Check Negotiability Counterfeit Money Detection Robbery Procedures Compliance with Regulations such as Bank Secrecy Act FDIC Insurance Account Ownership – who can withdraw from the account

A new or experienced supervisor and first-line managers or those preparing for such a role will find that this training course offers training of the following topics:  challenges facing today’s supervisor; methods for smoothly transitioning to a new supervisory role; SMART goals to develop planning strategies; and ways to effectively communicate to staff.

During the past few years, it has become increasingly clear that our Asset Liability Management (ALM) Process is a critical factor for successful financial institutions. We will review the various critical components of a good ALCO Policy and spend time looking at each issue that should be addressed therein. Our goal is to make this [...]

It’s been called many things – the compliance officer full-employment act, among them – but the financial reform bill is finally here. Not since the Great Depression will we see so many new agencies and offices created, new regulations written, existing regulations amended, and examination standards changed. There are many big questions that go along [...]

This training course offers a brief yet complete introduction to business concepts and terminology using a student-centered, practical, and relevant approach. Students learn to navigate through the sometime stormy business environment by stressing important business issues such as customer satisfaction and quality, entrepreneurship, cultural and workplace diversity, ethics, global business, technology, teams, and e-business. Diploma [...]

Compliance training can be difficult, not to mention uninteresting to participants, since discussions normally focus on unfamiliar acronyms like RESPA, HMDA, and a jumble of letters (Reg. Z, O, B, etc.). How can you make training easier and more relevant to your audience? This webinar is different: we discuss how the lending process works; it [...]

The mortgage origination business is very competitive, and it’s getting tougher every year.  This training workshop will give you the tools you need to beat your growing competition and develop a loyal base of referral and repeat business that will keep you profitable, even when the market cools off.  This popular two-day boot camp covers [...]

 Headache Remedies and Other Pain Relievers for Supervisors……. Some days it just doesn’t pay to get out of bed! Ever said that? Most of us that deal with the public find there are just some people that can drive us crazy! This training program will provide you with excellent coaching tactics on dealing with the [...]

SSN – EIN – PTIN – ITIN – NO TIN – W-9 – W-8 – What does it all mean?  Obtaining the correct taxpayer identification number and determining which certification to use for each account you open can sometimes make your head spin. In this two hour training Webinar, you will learn the difference between [...]

Spend two hours learning the trade secrets of successful training programs. In the course of training over quarter of a million business people, ITS has honed in on how to produce successful programs that inform, entertain, and are retained. Get tips on analyzing training needs … designing or hiring training programs that fit your audience [...]

It is essential for lenders and loan administrators to know and understand Revised Article 9 (RA9) of the Uniform Commercial Code (UCC). RA9 governs and controls secured transactions involving primarily personal property. This training presentation is designed to provide the participant with an overview of the important facts lenders and loan administrators must know to [...]

The Institute of Certified BankersTM(ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This webinar has been approved for 2.5 CCSR, CLBB, & CPB credits. This webcast training seminar explains letters of credit including the parties involved and their liabilities. Also, this webcast seminar will discuss the [...]

This course studies the scholarly foundations upon which the science of organizational behavior is built. You will learn how to transform business challenges into personal opportunities and organizational advantages. This course builds upon a powerful theme of change to clearly demonstrate how change not only affects attitudes and behaviors within an organization, but also offers [...]

This training seminar is designed to give you a better understanding of residential real estate appraisals.  Content includes the new FNMA and FHLMC appraisal forms.  Topics to be covered include:  appraiser criteria, review of a single-family appraisal; valuation methods; comparable criteria; review of a multi-family appraisal; and short form appraisals. Audience:  This is an ideal [...]

This training seminar is designed to give mortgage lenders a better grasp of tax returns and their importance in making quality loan decisions.  Topics to be covered include:  when tax returns are needed; an in-depth review of personal, corporate, partnership, and s-corp returns; qualifying methods used by secondary markets; profit and loss statements; and income [...]

The “A” in the CAMELS rating system utilized by bank regulators is perhaps one of the most important factors they consider when examining financial institutions. The “A” represents Asset Quality and it is scrutinized extensively when banks are examined. Studies continue to indicate the primary reason why banks failed is due to poor Asset Quality [...]

The Institute of Certified Bankers (ICB) is dedicated to promoting the highest standards of performance and ethics within the financial services industry.  This training webinar has been approved for 2.50 CFSSP, & 2.50 CRCM credits.  This statement should not be viewed as an endorsement of this program or its sponsor. There are a myriad of [...]

Ironically when a financial institution finds out that a deposit or loan customer has died, confusion and dread seem to be the normal reaction. This two-hour training webinar will walk you through the complicated process of dealing with a customer’s death, both on the deposit and loan side; as well as the unique issues of [...]

After a detailed credit analysis of a loan request has been performed, it is now time to communicate your findings in writing. Credit memoranda are a primary means of communications within the banking industry. In writing effective credit memoranda, it is not what you say that commands attention, but how you say it. Credit memoranda [...]

This one-day training workshop focuses on an efficient e-mailing process and by allowing you to practice it throughout the day, you will walk away learning how to create clear, concise, complete, courteous, and correct e-mail.  Training topics include: Understanding qualities that make e-mail a unique mode of communication How to use e-email strategically to facilitate [...]

There is a fine line between being persistent and becoming a pest. This webinar will show you how to turn yourself into a welcome guest when marketing via the written word. You will learn the secrets and techniques of copywriters and how to apply them to the sales letter, that all-important marketing tool. You’ll explore [...]

You may not anticipate an upcoming termination today. However, the need to terminate an employee can arise despite your best efforts, and by then it may already be too late to “do it properly.” To keep your terminations legal and avoid costly errors, learn what you need to know about terminations before you need to [...]