Alpha List of Banking Courses/Seminars

In today’s regulatory environment, the new account interview involves much more than opening an account and giving the customer a toaster.  We have many deposit compliance rules to adhere to when opening deposit accounts and making that first contact with the customer.  And yet, we have to do so in a way that is friendly, supportive [...]

It’s not over yet, but 64 banks supervised by the FDIC have been fined civil money penalties that totaled nearly $400,000 through September 2011 for HMDA reporting violations. The fines ranged from $1,000 to $46,500 and the banks were located throughout the country. What did they do wrong? How can you avoid these fines, penalties, [...]

Speaker & Program: Denyette DePierro, Senior Counsel to the American Bankers Association, will be offering a Legislative and Regulatory Update, including the expected new banking legislation, the politics surrounding the Federal appointments to the banking agencies, and Dodd-Frank implementation in 2012. Topics to be discussed are Core Deposits, Repeal of Regulation Q, SEC’s Municipal Advisor’s [...]

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 [...]

The Accounting Basics course 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.  Bank and Credit Union employees at all levels are encouraged to take this course if they have not already [...]

This Accounting Course is ACE recommended for college credit transfer! (Recommended prerequisite:  Accounting Basics or Accounting Fundamentals) The Accounting course 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 [...]

A banker’s understanding of accounting fundamentals is essential to the application of sound financial statement and credit analysis. Accounting is the language employed to communicate financial information. It is the process of identifying and measuring economic events, then classifying, recording and summarizing the measurements and reporting the information to permit judgments and decisions by the [...]

This highly motivating workshop continues to evolve as the premier teller excellence training 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 [...]

Does your mind ever wander while others are talking? We spend countless hours of our working lives in listening-related activities; however, studies show we retain only 25% of what we hear! Learn to eliminate your own listening barriers and bad habits, and do a better job of listening—with everyone! What You Can Expect To Learn: [...]

The question of repaymentability is central to any commercial lending request. In order to be approved for a loan, businesses need to establish their ability to generate enough cashflow to service both existing and proposed debt. This seminar will examine cashflow from a number of different perspectives. Participants in this program will consider conventional cashflow [...]

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 Advertising 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. Topics covered include: The Evolution of [...]

This hands-on learning session is a thorough overview of the agricultural lending function and decision-making process of a financial institution. It addresses various sources of credit available to agricultural producers and outlines the detailed elements of the agricultural balance sheet, income statement, cash flow segmentation, credit analysis and agricultural loan structure. This course is a [...]

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

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 [...]

One of the more challenging aspects of lending is analyzing personal financial statements and tax returns. To assess the borrower’s ability to convert assets to cash to pay short term debt often requires significant adjustments to the borrower’s reported net worth. Adjusted gross income on Form 1040 bears no relationship at all to cash available [...]

The only reliable financial information available from many businesses, especially a small business, 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.  Analyzing Tax Returns of Businesses is a training seminar [...]

The valuation process in real estate loans is one of the areas targeted as partly responsible for the ”mortgage meltdown.” Consequently, there have been critical developments in the regulatory process that lenders and compliance personnel must be aware of. There are changes in USPAP for 2010 and for related forms. The regulatory agencies have issued [...]

As the industry goes through troubled times, proper valuation of collateral is critical. Yet most people involved in appraisal review 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 [...]

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 [...]

Identifying and Combating ATM Skimming is crucial in today’s high-technology environment.  This session will take a comprehensive look at ATM Skimming and how it is affecting the banking industry.  We will identify the various groups targeting financial institutions as well as the sophisticated and most recent hardware being used to conduct ATM Skimming.  A focused examination of [...]

The risk associated with lending money to small businesses can be significant, as evidenced by their high failure rate. There are a number of steps however that can lessen these risks, including detection, analysis and action. This program will examine the ways in which loan monitoring, proper loan servicing, and other techniques can help to [...]

2012 Update – What Caused Fourteen Current Safe Deposit Box Disappearance Claims? Improve Your System:  Typically the safe deposit box responsibilities are passed from employee to employee with very little understanding of the institution’s liability. Unfortunately, only after a lawsuit occurs does management turn their attention to this area. Ask yourself the questions outlined in [...]

Failure to adequately check or test background of applicants can result in harm and liability for negligent hiring and reckless endangerment. BUT the “victims” of improper background investigations, drug screens or pre-employment tests also have legal challenges under the Fair Credit Reporting Act, Title VII, the ADA and invasion of privacy laws. This program covers [...]

This bank training webinar program is designed to assist lenders and other credit professionals who want a fundamental understanding of the information that is contained in the Balance Sheet and Profit and Loss Statements.  During this program, participants will learn what important components of Balance Sheets and Profit and Loss Statements can be used as the [...]

It’s that time again. Time to conduct the all-too-often dreaded performance evaluation review. You want to be fair, focused, and factual. You want to be able to deal with just about anything that can happen–from fears to tears to jeers. The key is to be in control; this is the course that will show you how. [...]

This 4 part bank call report webinar series will be held on March 5, 12, 19 and 26, 2012 from 11am-1pm ET. This four part webinar is designed for bankers who are new to call report preparation and also OTS bankers who will have to file a Call Report starting in 2012. The series will cover recent [...]

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 [...]

This course provides a working knowledge of the Bank Secrecy Act (BSA). It covers various currency-reporting requirements. The course also reviews the importance of knowing customers, and properly verifying their identities, in order to detect and report suspicious activity. The purpose of the BSA is to help combat money laundering and other illegal financial activity. [...]

Monday, June 27, 2011 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 banking, risk management is always en vogue. Now more than ever though it seems to be a re-emerging hot topic amongst bank regulators. From regulatory risk to reputation risk every action a financial institution takes opens the door to some level of potential consequence which must be considered. Most times these consequences, while unintended, [...]

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 [...]

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 seminar is Day 1 of [...]

This comprehensive three-day mortgage underwriting 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 [...]

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 cools off.  This seminar is Day 2 of the popular two-day Mortgage Originator’s Boot Camp workshop that covers the technical, as well as [...]

This basic underwrting skills seminar gives an excellent overview of the basics of mortgage underwriting, using standard secondary market guidelines. This seminar is Day 1 of the three day seminar series:  Basic Underwriting Series and Certificate. Students can choose to take the entire series or attend just one of the individual seminars that are part of [...]

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 [...]

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 [...]

The position of teller supervisor is a key one. You are responsible for setting the tone of the branch, which reflects directly on how the bank is perceived by its customers. Sharpening your supervisory skills is crucial to your success in playing this vital role. Whether you’ve recently been promoted or have been “at the [...]

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 [...]

Some 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 and well-publicized enforcement actions, the regulators obviously haven’t eased up. [...]

With all of the recent regulatory changes focusing on lending and deposit compliance issues, it’s easy to forget that training frontline personnel on Bank Secrecy Act and Office of Foreign Asset Control requirements is still a high priority.  This bank training webinar will provide an update of the BSA and OFAC regulations, as well as [...]

There are many types of business accounts with many different ways to do business at our financial institution’s today. What can be challenging is who is authorized to open, close and transact business at all the different avenues for business. We now bank with businesses online, with debit cards and also remotely. How do we [...]

This NEW high-intensity program has been developed to provide participants with the foundational knowledge and skills of Commercial Banking to:  Improve Business Development Effectiveness Experience High Quality and Profitable Portfolio Growth Effectively Manage Portfolio Risk Accelerate Career Advancement Upon completion of the Business Banking Boot Camp, participants can expect:  Matching products/services with clients needs Product [...]

The Business Communication course is ACE recommended 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 [...]

This course introduces students to the fundamentals of business ethics. Students learn about the decision-making process to solve ethical dilemmas, understanding barriers and consequences when making ethical decisions, and the process for blowing the whistle when unethical situations arise. Course activities also cover identifying common managerial ethical issues, being proactive with ethical issues, addressing subordinates’ ethical [...]

This interactive program relies on individual and collaborative exercises designed to establish a foundation from which administrative and support staff can build their grammar skills. Participants will work on numerous exercises in sentence structure, pronoun and verb usage, word choice, and punctuation.  Topics to be covered include: ·    Check for the most frequent sentence problems [...]

The Business Math course is ACE recommended 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 [...]

This interactive program helps business professionals craft purposeful documents that their readers can use as management tools. Participants work on their own documents to ensure that their writing is reader-focused, complete, consistent, courteous, clear, concise, and correct.  Topics to be covered include: • Employ an efficient writing process • Apply the 3A Strategy (aim, audience, [...]

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 business writing 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 [...]

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 [...]

The regulatory agencies proposed changes to the 2012 Call Report on November 21, 2011.  These changes are designed to provide neceswsary data for safety and soundness, and/or other public purposes. Two of the proposed changes would affect the March, 2012 Call report (for thrifts converting to the call report), but most of the proposed changes would [...]

Several changes to the Call Report loan schedules have been approved for 2012. New memo item on RC-M for savings associations to report on test of compliance with Qualified Thrift Lender New memo item on RC-N to report past due and non-accrual of purchased credit impaired loans New item on RC-P to report the amount [...]

For many community bankers around the country, the 2008-2010 period has been a significant challenge. Starting with the residential mortgage melt-down and a severely weakened economy, we have found ourselves in a situation reminiscent of the 1986-1991 era. As was true then, our challenges revolve around ensuring we have the Capital to withstand this crisis, [...]

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 [...]

Learn to make the right loan decisions using cash flow analysis. 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 analyzing cash flow.. An in-depth understanding of cash flow analysis, plus insight into [...]

This 3-part Cash Management webinar series will be held on January 23rd, February 6th, and February 13th from 2:30pm-4:30pm ET. This series of three webinars will provide a basic understanding of corporate cash management needs and practices and what customers expect from their financial institution’s cash management services. While not every financial institution can offer [...]

With everything 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, plus advertising is being looked at in a different way than before. [...]

Many loans extended by commercial banks are secured by personal property which is governed by Revised Article 9 of the Uniform Commercial Code. It is important for Commercial Lenders, Consumer Lenders and Loan Administrators to understand the principles of Revised Article 9 under the Uniform Commercial Code as it relates to collateral attachment and perfection. [...]

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 [...]

Has your financial institution taken losses due to counterfeit checks, check kiting or other check frauds? Did losses occur because your staff did not know how to properly apply holds on customer deposits? In banking today, with the multitude of regulations and laws requiring compliance on a daily basis, the Expedited Funds Availability Act (Reg [...]

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 [...]

Are you ready to learn how to coach and confront sticky situations effectively? Help is here. Honey Shelton, highly experienced trainer/coach has been teaching a method InterAction Training has coined, Coaching Choices, a proven, theory based approach to coaching others for many years. Based on Choice Theory, the legendary work of Dr. William Glasser, which [...]

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 [...]

The Commercial Lending course is ACE recommended 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 [...]

The Commercial Lending School is a long-standing, comprehensive, credit training program designed exclusively for the financial services industry. Location Sheraton Westport Plaza Tower Hotel 900 Westport Plaza St. Louis, Missouri Call 314-878-1500 for CFT room rate of $129 per night Who should attend? The school appeals to a wide range of students who need intensive [...]

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 [...]

With the universe of compliance rules, regulations, interpretations, and the like growing more complex every day, the potential to violate the rules multiplies. In addition, many of these rules are not written in everyday English, and there are gray areas – again increasing the risk of violation. Many of the rules carry significant penalties for [...]

Working with other human beings can be challenging. Every relationship (personal and professional) is dependent on communication—and solid relationships depend on people accurately understanding one another. In this class you will learn to communicate with clarity, eliminate communication barriers, influence the actions and thoughts of others in a positive way, and respond assertively—with respect. What [...]

The Communication Skills for Business 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 [...]

More and more employees are Tweeting or using their Facebook page to keep in contact with friends and business associates via social networking. Businesses also are discovering that social media can be a helpful tool and a useful means for maintaining customer contacts. But along with the benefits, there are serious dangers lurking. Fraudsters, hackers [...]

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 [...]

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 [...]

SPEAKER:  The Honorable Howard F. Pitkin, Banking Commissioner – State of Connecticut DATE:  Wednesday, February 15, 2012 LOCATION:  Aqua Turf Club, Mulberry Street, Plantsville, CT Reception 5:30 pm Program 6:15 pm Dinner 7:00 pm DINNER CHOICES:  Roasted Prime Rib, Chicken Wadsworth, Nantucket Scallop Casserole, Vegetarian Lasagna The Honorable Howard F. Pitkin, Banking Commissioner of the State of [...]

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 special regulatory requirements. It is a trap for the unwary who think construction lending is simply making a real estate loan. This webinar will explain the construction lending function from [...]

You have finally received the new account training you have desperately needed and are now ready to open the account. You get all the customer information, you are ready to input the data and then the “Account Ownership” prompt appears. What do you do now? What if you check the wrong “box”? In this detailed [...]

This workshop provides 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 [...]

We’ve been hearing about it and preparing for its arrival for almost a year now: the Consumer Financial Protection Bureau, or CFPB. There have been plenty of news stories about its development, political aspects such as its leadership, and authority to issue new rules and regulations. It’s certainly true that this agency has almost unfettered [...]

Consumer (non-real estate) lending is one of the most regulated activities in the country, and with recent legislative and regulatory developments, more attention than ever is being placed on how you make your loans, and to whom. The Credit CARD Act, for one, imposes significant new operational requirements on ALL open-ended plans, not just credit [...]

The Consumer Lending course is ACE recommended 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 [...]

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 [...]

This webinar course provides an overview of four areas to help retail branch personnel counsel their customers for mortgage financing in purchase transactions: Compliance Concerns and Acceptable Practices Home Purchase Transaction Practices I Home Purchase Transaction Practices II Home Purchase Mortgage Programs The course combines teaching modules that include: Technical mortgage information Skills development on [...]

This webinar course provides an overview of four areas to help retail branch personnel counsel their customers for mortgage financing in refinance transactions: Compliance Concerns and Acceptable Practices Home Refinance Transaction Practices I Home Refinance Transaction Practices II Home Refinance Mortgage Programs The course combines teaching modules that include: Technical mortgage information Skills development on [...]

  SPECIAL EVENT NOTICE:  Management is encouraged to attend this event with their administrative assistants as we celebrate Administrative Professionals Week! Great Admins do more than go with the flow by taking a flexible approach to work life. They evolve into Energy Flow Masters. This entails everything from developing communication skills that create open and [...]

Attend this NEW training and you will experience discussing and analyzing  “real life” case studies and loan requests. This is NOT a traditional credit analysis class that solely examines financial statements. Join Mark Tyrpin, a Senior Lender at a large regional mid-western bank with 20-year experience as a commercial real estate lender/commercial lender, for a [...]

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 [...]

Effective cross-selling training will provide your staff with the tools necessary to understand the buying process, increase their confidence when presenting your scope of services, and can contribute to increasing your share of the consumer market. Every customer contact employee, tellers and platform staff play a vital role in contributing to your bank’s deposit growth. [...]

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The Customer Service course will help you 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 past couple of years have seen significant new developments in real estate appraisals and evaluation rule and regulations. Revised Interagency Guidelines and new rules under Reg. Z have been issued, and additional requirements are on the way due to Dodd-Frank. As breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators [...]

On a daily basis, your 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 [...]

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The Deposit Accounts and Services 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 [...]

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 [...]

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Employers of Notaries Public have long held the presumption that their notary-employees are commissioned, managed and disciplined by the state commissioning agency. Precedent setting case law demonstrates the need for employers of notaries public to take a closer look at their notary education standards, management program, and disciplinary actions to protect their institution from losses [...]

This training webinar will help you develop a “CRA context report” that tells YOUR story to the examiners. Our topic for the webinar will focus on several simple steps to ensure a successful CRA exam outcome.  Writing a dynamic CRA context report can show examiners not only that your financial institution understands the community credit [...]

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 [...]

The purpose of this program is to identify the key components in the due diligence process in order to effectively analyze business opportunities. Participants will learn about the importance of conducting due diligence on investment and loan proposals. At the end of this program, participants will be able to know the right questions to ask [...]

(Recommended prerequisite:  Marketing) Introduction to e-Commerce provides a solid foundation in all aspects of conducting business in the networked community. This e commerce 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. Textbook [...]

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 [...]

If your email is overwhelming you, then this program is for you! You will learn to hook your readers on your message immediately by getting to the point and staying there. You also will get useful tips to deal successfully with tone-sensitive issues. After participating in this engaging two-hour webinar, you will have a strategy [...]

Most loans on the books move from closing to full payout in accordance with the terms of the loan without the requirement of a serious collection effort. Unfortunately, some loans will not perform as expected due to a number of reasons. Most of the reasons for non performance of commercial loans are due to financial [...]

The CFT Bankers’ Forum is pleased to announce the return of Todd Martin for his analysis and update on the national and local economies, including monetary and fiscal policy, real GDP, the labor markets, inflation, housing, banking, the capital markets, and interest rates. Todd is president of Todd P. Martin Economic Services, an economic consulting firm [...]

This Economics course is ACE recommended 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 [...]

The Effective Business Communication workshop will focus on using e-mail strategically to achieve team goals. The class will use editing drills, writing exercises and hand-outs featuring real-world, practical tips. The program will cover the following broad topics: • Developing your communication strategy • Putting it in writing: serious business • Focusing on your audience’s interests and [...]

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 business development 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, [...]

This Effective Business Writing 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 [...]

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 [...]

The use of effective delegation skills is a high impact management tool.  Properly utilized, it can help develop staff, share expertise and expand accountability for results across the organization.  Managers and supervisors also benefit by having more time for essential planning and creative activities.  Workshop attendees will participate in the “7 Steps for Effective Delegation” exercise [...]

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 Employment and Labor Law course, you will be able to:  describe Employment-at-will; identify commonly committed workplace torts; understand Title VII of [...]

Endorsements on Fiduciaries, Trusts, Estates, and business accounts can be tricky because all have individuals who own assets and receive checks. These entities have big dollars and high risks when handling their checks. The questions of who can endorse these types of checks and how they should be endorsed will be addressed in this informative [...]

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 [...]

Enterprise Risk Management Assessments are a key focus of examinations today and are mandated by regulation. They are essential to an effective and appropriate risk management program and provide the basis for your security program, audit program, business continuity plan, not to mention your vendor management program and identity theft red flag program. Once thought to [...]

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 [...]

The Essentials of Banking one-day workshop looks briefly at some topics chosen from Principles of Banking, CFT’s 3.00 credit course offered in a live evening format, through Guided Self Study and/or Online.  The program helps participants understand how banking has evolved to become the industry it is today and provide a better understanding of financial services. It [...]

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 past couple of years have seen significant new developments in real estate appraisal rules and evaluation rules and regulations. There are new Interagency Guidelines, new rules under Reg. Z, and additional requirements coming due to the Dodd-Frank Act. The regulators have upped their game; lenders’ appraisal and evaluation programs must include more elements than ever [...]

This training webinar is designed for supervisors and delivers creative and realistic strategies in promoting successful job performance.  Often supervisors are the emerging leadership at your financial institution. Invest in success and enroll them today in this dynamic and highly motivating workshop. Rapid change, flatter organizational structure, and cross-functional responsibilities require today’s supervisors to respond [...]

Financial services customer contact staffs are the face of the organization. It is essential that they exhibit a variety of skills and knowledge to insure a positive customer service experience. They must possess exceptional customer service skills and behaviors to build and maintain strong relations with current customers to earn their continued loyalty. Customer retention [...]

Extraordinary Impressions raises the bar in customer service and establishes a higher standard of excellence compared with our competition. This results-oriented workshop focuses on service—the biggest reason customers stay with us forever—or move to our competitors! Extraordinary Impressions hones the service skills needed to make every customer feel like an important part of our business [...]

Most of us are ready to be done with FACTA (Fair Accurate Credit Transaction Act)! However, it will be with us until the FEDs figure out exactly how to interpret and implement the last two sections…There is confusion and disagreement between some of the Agencies. This webinar will review the key points/components of Sections 311 [...]

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 [...]

Our topic for the webinar will focus on ten steps to ensure a successful Compliance & Fair Lending exam outcome. What are recent FDIC enforcement actions telling us about their focus in a compliance exam? What are the latest “hot buttons” in Fair Lending? How will examiners view potential UDAAP violations? How are examiners evaluating [...]

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 [...]

DATE: Wednesday, March 21, 2012 PROGRAM: The FDIC’s 2012 Update will focus on community bank competitiveness and viability, particularly in light of the current and projected interest rate environment. He will also speak about current conditions in CT, relative to the broader region and nation, and touch on emerging issues surrounding consumer protection and risk management [...]

CFT’s Annual Bank 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 Bank Compliance School gives you what you need to handle compliance in today’s [...]

On February 23, 2011, several federal agencies, including the Department of the Treasury, the Social Security Administration, the Department of Veterans Affairs, the Railroad Retirement Board, and the Office of Personnel Management, jointly issued an Interim Final Rule to protect certain federal benefit payments from garnishment actions. These rules were effective May 1, 2011 and [...]

This Financial Accounting course is ACE recommended for college credit transfer! (Recommended prerequisite:  Accounting Basics or Accounting Fundamentals) This Financial Accounting 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 [...]

(Recommended prerequisite: Financial Accounting I) This Financial Accounting II 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 sole proprietorship and partnership. Course objectives: [...]

In the midst of today’s shifting financial environment and fast-paced, changing lives, solid financial planning is more important than ever. Personal Financial Planning provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The course follows a life-cycle approach — addressing financial plans, assets, credit, insurance, investment, and [...]

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 [...]

The flood insurance regulations have been around since 1996, yet examiners continue to cite numerous violations and fines. Flood has been announced as one of the principal areas of concern (along with fair lending and BSA) for 2012. There are still significant issues out there, which, the regulators are still attempting to deal with through [...]

Learn to identify, detect, investigate, and prevent financial fraud with fraud examination. Study and understand the nature of fraud investigation today with memorable business examples and numerous actual fraud cases to ensure your understanding of today’s most important fraud concepts. Examine the many types of fraud–from tax fraud and e-business fraud, to consumer fraud–and review [...]

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 [...]

Business customers and financial institutions often draft legal contracts spelling out the responsibility for fraud losses, generally placing liability and responsibility on the accountholder to weather the storm of the myriad of online attacks. In this fraud protection webinar you will learn why that approach may be a loser for everyone involved when sophisticated online [...]

There has been a dramatic increase in the number of fraudulent cashiers checks. Virtually every day a warning is distributed by financial institution regulatory authorities stating that fraudulent cashier’s checks are being issued in a specific financial institution’s name. Your financial institution may have even been the financial institution that the fraudulent cashier’s checks were [...]

Headache Remedies and Other Pain Relievers for Dealing with Difficult Behavior… 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 are impossible! This program will provide you with excellent self management techniques and coaching tactics [...]

Understanding how to calculate and interpret cash flow is essential for successful bankers. This course is designed to assist bankers in calculating cash flow utilizing the Uniform Cash Flow Analysis (UCA) method and to provide guidance in calculating Global Cash Flow Analysis for those entities that must rely on excess cash generated by their owners [...]

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 [...]

Yes, they are still around! Were you hoping they might fade into the sunset? Because of the high cost of health insurance premiums, more and more companies and individuals are enrolling in High Deductible Health Plans (HDHP) to reduce their health care premium costs. As they do, there is a growing need for Health Savings [...]

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 home equity lines of credit webinar [...]

Your HMDA-LAR data is the ground floor of a fair lending compliance examination, and your regulators are performing detailed statistical analysis in preparation for the exam. 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 [...]

Most of us want to be good employees – and most of us want to excel at our jobs. To be a highly successful employee and excel at work is not simply a matter of being good at what you do. Excelling involves issues such as professionalism, attitude, and teamwork – all of that and [...]

Questions regarding the collection of past due box rent, drilling delinquent boxes, securing drilled and inventoried box contents, reporting abandoned property to our state authorities and many other legal and compliance issues have caused great concern and confusion for the safe deposit industry. At this workshop you will receive current information, step by step procedures [...]

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 [...]

The Human Relations course is ACE recommended for college credit transfer! The Human Relations 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. Textbook chapter topics include:   Human Relations: A Background Self-Concept [...]

Employee skills and motivation are critical for organizational success.  This Human Resource Development 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 [...]

Human Resource Management course is ACE recommended for college credit transfer! The Human Resource Management 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 [...]

The Human Resource Selection 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 [...]

This session will take a comprehensive look at ATM Skimming and how it is affecting the banking industry and law enforcement. The presentation will discuss the various criminal groups that are engaging in this type of activity and will focus on the sophisticated hardware being used as well as the modus operandi being deployed. In [...]

Designed for financial institutions that are serious about becoming a world-class sales organization, this dynamic webinar will help raise the bar when it comes to effective cross selling. When the customer walks in, drives up, emails, or phones, the organization starts racking up points, for or against, tightening up the relationship and setting the stage [...]

A workplace with high morale often is characterized by employees that are happy to go the extra mile when interacting with the customer or when performing job duties and tasks. Financial institutions that strive for impressive profitability and productivity must learn how to create a positive environment where employees are fired up about what they [...]

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 [...]

Social media is one of the best avenues to allow consumers to engage with your brand; however it is also one of the most difficult from which to sell a product. How does an institution effectively draw more online visibility to products and grow more market and wallet share? As we learned in the last [...]

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 [...]

In today’s interest rate environment, customers are increasingly looking for a wide array of investment options.  This seminar will review the basic security options available to the consumer.  Participants will review investment products, characteristics, risk and potential return of investment vehicles.  Please note that this is NOT a financial planning workshop. Basic Bank Products-Deposit Accounts and [...]

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 [...]

Customers are increasingly looking for a wide array of investment options. This webinar will review the basic security options available to consumers interested in financial planning. This introduction will review products, characteristics, risk and potential return of investment vehicles. Covered Topics: •Basic Bank Products – Deposit Accounts and Certificates of Deposit •Fixed Rate Investment Options – [...]

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 mortgage underwriting step. Topics Covered Include: The Underwriters Role Terminology Products The Loan Application Income Calculations and Types Debt Structure Assets [...]

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 [...]

This online IRA course is self-paced and does not include instructor facilitation. Part 1:  IRA Contributions This IRA 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. [...]

The year 2012 is here and Congress has been busy with some significant proposed changes to IRAs. These will have some impact on IRA plan changes. There have also been some cost of living adjustments to the products effective 2012.  All this information plus any new releases will be thoroughly discussed during this two hour [...]

This two-day IRA workshop provides in-depth training that you would not otherwise attain in a one-day program. In addition to learning the basics of IRAs, attendees will discuss more advanced topics, such as how to take advantage of the enhanced portability rules between eligible retirement plans and Roth IRAs and the requirements for directly moving [...]

Now that you have reached the point where you do not have a panic attack from those three letters “IRA”, you are ready to tackle some of the more complicated areas of IRAs. These are the topics that offer the most confusion to your IRA accounts owners (and sometimes you). Covered Topics •Review of Rollovers [...]

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 webinar deals with the many forms financial institutions must report, with an emphasis on when and exactly what to report. Easy-to-follow charts are included to complete each form. Here is [...]

In this webinar, you will learn to hook your readers on your e-mail message immediately by getting to the point and staying there.  You also will get useful tips to deal successfully with tone-sensitive issues. After participating in this engaging two-hour webinar, you will have a strategy for using email strategically in advancing the organization’s [...]

IT examinations are back on schedule and in most cases in full force after a brief reprieve in 2010, and it seems the examiners are focusing on several new areas in addition to GLBA compliance and IT and general controls areas that are the typical exam targets. The rise in popularity of social networking, interest [...]

Law and Banking:  Applications is ACE recommended 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 [...]

The Law and Banking:  Principles course is ACE recommended 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:  [...]

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 [...]

The Leading Your People to Success 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. Textbook chapter topics include: [...]

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 seminar will address [...]

Check fraud losses are estimated to be in excess of $18 billion each year. With more and more counterfeit checks flooding financial institutions, this number is sure to increase. Unfortunately, most financial institutions do not understand their legal rights and responsibilities for dealing with check fraud when losses occur. If you are confused about what [...]

Non-Profit Organizations (“NPOs”) are common in the marketplace for most financial institutions and may comprise a noticeable portion of a financial institution’s loan portfolio. NPOs can be grouped as being providers of a public benefit (museum, schools, hospital and civic groups) or provider of a mutual benefit (churches, trade or professional association, and clubs). Since [...]

Details Coming Soon!

Unable to attend the Federal Bank Compliance School being held in Connecticut this May? With Live Streaming Video, you can watch the program live from your training room, conference room, or office. You can even type questions to the instructor throughout the presentation! As an added bonus, following the live broadcast, you and others in [...]

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 [...]

As a result of the current economic environment, banking conditions remain weak as profitability continues to be challenged by elevated loan losses and high levels of noncurrent loans. Loan demand continues to be weak and credit is available only to the most credit worthy borrowers. The problem is that most of the credit worthy borrowers [...]

The Management course is ACE recommended for college credit transfer! (Recommended prerequisite – Supervision) This Management 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 [...]

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 [...]

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 [...]

In today’s environment, financial institutions are frequent litigants as they attempt to collect defaulted loans and enforce their interests in collateral. This program has been developed in response to the need by financial institutions to exercise greater control over, and reduce the cost of, their expanding litigation costs. The Managing Bank Litigation training webinar focuses on [...]

Employees often present even the most experienced managers with challenges. These challenging employees could be ones who performance is inconsistent, whose “attitude” is less than positive, who is more interested in texting than working, as well as those employees who are exceptional, but need to be challenged to higher levels. This program will provide you [...]

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 [...]

Reg. Z rules require that certain loans, known as Higher-Priced Mortgage Loans (HPML),maintain escrow accounts for taxes and insurance for at least the first year. Many banks have never escrowed before, and although you might not want to start now, coming Dodd-Frank requirements will only broaden the scope of the requirement. This one-hour webinar will [...]

So much to do and so little time? Learn time management tricks that are vital to your mental survival and work productivity. Learn key principles to help you “align with time” so that you can accomplish more with less stress. You’ll learn proven time management strategies, as well as take a look at setting goals [...]

This Managing Performance and Productivity 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 [...]

This easy-to-use, online course is perfect for understanding and implementing sound management of the bank’s investment portfolio. Topics include: investment risks, accounting and regulatory issues; 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 [...]

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

This Marketing course is ACE recommended for College Credit Transfer! The primary objective of the Essentials of Services Marketing course 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 [...]

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 [...]

Thanks to increased competition for mortgage loans in our industry, we find there is a huge need for originators of home loans to successfully find and capture business. This webinar is designed to share marketing ideas specifically designed for loan originators, to help them better promote themselves, their products and their company. Covered Topics: •Branding •Spheres [...]

Situation: Most banks today are so caught up in day-to-day management of critical issues that they have no succession plan.  As a result, they have no strategy to ensure their future is in the hands of their most effective, experienced and talented employees.  Solution: This communication boot camp will focus on skills and strategies bank [...]

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, [...]

As cell phones, smart phones, iPods, and iPads become more widespread, both consumers and vendors are looking for more ways to leverage them. The adoption of mobile banking, mobile RDC, and mobile payments is growing rapidly. Many organizations are implementing this technology in an effort to stay competitive, provide convenience, and draw in the younger [...]

The Money and Banking course is ACE recommended for college credit transfer! (Recommended prerequisite:  Economics) 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 [...]

The Dodd-Frank Act contains many game-changers affecting almost every aspect of banking, but perhaps no area will be as greatly impacted as mortgage lending. Some of those changes are already here – loan originator compensation and new appraisal standards, to name two. The many statutory and coming regulatory amendments will cause many lenders to question [...]

The concepts in this Motivating Your Staff 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 [...]

Today, more than ever before, good customer service is vital to the success of any institution. Research says that it takes 10 times the effort to keep a customer loyal to an institution today in comparison to the effort it takes to get them to choose to do business with the institution in the first [...]

Remember the good old days where we simply had to deal with paper checks?  It is extremely more difficult nowadays with the many different types of electronic payments such as ACH, remote deposit capture, electronic fund transfers, electronic check conversion, imaged items, debit cards, and the list goes on. The financial institution’s liability varies depending [...]

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.

Compliance ALERT – Section 1100F Dodd-Frank Act On July 6, 2011 the Federal Reserve and FTC issued the final rules to implement the credit score disclosure requirements of the Dodd-Frank Act. This affects both REG V of the Fair Credit Reporting Act (FCRA) and REG B of the Equal Credit Opportunity Act (ECOA). The final [...]

On June 28, 2011, the Federal Financial Institutions Examination Council (FFIEC) issued an update to its 2005 “Authentication in an Internet Banking Environment” guidance. The guidance attempts to offer additional information to financial institutions on the expectations of the regulators on how the internet banking environment should be delivered. This session will discuss this new [...]

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 [...]

Employers of Notaries Public have long held the presumption that their notary-employees are commissioned, managed and disciplined by the state commissioning agency. Precedent setting case law demonstrates the need for employers of notaries public to take a closer look at their notary education standards, management program, and disciplinary actions to protect their institution from losses [...]

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 webinar is designed to provide notaries with the best practices for dealing with issues that are unique to the financial industry. This session [...]

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 [...]

Does your financial institution have low amounts of qualified eLeads? There are well over 5,000,000 mortgage related searches on Google per month. If your company is not receiving any leads from those searches, then you’re missing out on a great opportunity. Most institutions look at an online lead as one that you purchase from online [...]

The nonresident alien market in the United States is a trillion dollar business. If your financial institution is opening accounts for nonresident aliens, you have decided to be a part of this business. There are many questions regarding deposit account opening on documents and procedures. The biggest issue is the tax reporting piece and the [...]

One of the most interesting types of businesses, is also the most complicated. In this program learn how to open, document, change signers and handle the paperwork on these amazing accounts. From the single member to the multiple member, LLC we will cover all the definitions, tax reporting, CIP and due diligence issues for opening [...]

“It’s just an easy 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 [...]

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 [...]

Organizational Behavior course is ACE recommended for college credit transfer! The Understanding Organizational Behavior 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 [...]

Do you want to have successful Remote Deposit Capture (RDC) audits and exams…each and every time? If so, join us for this informative two hour Webinar. The Webinar discusses RDC compliance organizational and administrative strategies to implement within your institution. You learn how to organize your team to meet the challenges of an effective RDC [...]

Does your financial institution offer overdraft protection products to your customers? Are these products in compliance with the numerous regulatory requirements (Reg DD)? Can your employees explain the benefits and drawbacks of these products to your customers? This session will give participants a thorough understanding of the differences between the various overdraft protection products available, [...]

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. Instructor:  Natalie Gast earned her undergraduate degree at Boston University and her master’s degree work in Teaching English to Speakers [...]

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 [...]

In Personal Productivity: Getting Things Done, you will learn the importance of organization and where to start with the mounds of paper, files, emails, and mail that have accumulated. You will also learn how to organize your work area, set priorities, organize your day, deal with interruptions, and combat procrastination. You will leave with a [...]

Research indicates that many managers often dread planning and conducting performance evaluations!  Done effectively – the performance evaluation can be a productive, rewarding, and yes, even an enjoyable process for both manager and the employee being evaluated.  CFT’s seminar on Planning & Conducting Effective Performance Evaluations is guaranteed to provide participants with a new way [...]

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 [...]

Focusing on a wide variety of business situations requiring writing and public speaking, participants will gain useful tips and hands-on experience to make these skills even stronger: Communicating with professional style, logical structure and persuasive substance; Writing reports, memos and emails that are clear, concise and compelling; Making presentations with a style that’s calm, confident [...]

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 [...]

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This full-day workshop will help develop your ability to speak in a broad range of situations–from local community events to staff meetings, from press conferences to sales calls. No matter how smart and hard-working you are, your career will falter if you don’t have the confidence to present to a variety of audiences. Overcome nervousness Focus [...]

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 [...]

  Principles of Banking course is ACE recommended for college credit transfer! The Principles of Banking 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 [...]

Several years ago, Congress added a section to Truth-in-Lending that requires special disclosures for “private education loans.” That section became effective last February, but may have been overlooked or underplayed by many financial institutions. Most bankers will be shocked to learn exactly what a “private education loan” is. This training webinar will address: •The definition [...]

Introduction: The earlier a problem loan can be detected the greater the opportunity to take corrective action and minimize the potential for loan default and loan loss. This program will examine steps to pursue when a commercial loan becomes a problem for your financial institution. Knowing what you can do and when to do it [...]

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, the professional development conference also provides a terrific opportunity to network with a group of banking professionals 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 Thursday night, all [...]

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 [...]

The ease of creating a false identity has made financial institutions extremely vulnerable in becoming victimized across multiple operational areas. Credit thieves and fraudulent applicants with false identities daily infiltrate financial institutions. These imposters have changed the playing field to their advantage – placing your business in severe risk of loss with estimates up to [...]

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 [...]

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

Reading credit reports use to be simple! However, today the average credit report is over 7 pages long depending on the file format, and it takes a Medical degree to diagnose if my patient/customer is sick or not. You are not in the PRACTICE of medicine. YOU have to know! It’s not what you know [...]

In this informative session, we will review in depth the Experian Credit Report(s). Reading credit reports use to be simple! However, today the average credit report is over 8 pages long depending on the format, and it takes a college degree to analyze the information. I’ll break this report down and make it easier to [...]

In this informative session, we will review in depth the Trans Union Credit Report(s). Reading credit reports use to be simple! However, today the average credit report is over 8 pages long depending on the format, and it takes a college degree to analyze the information. I’ll break this report down and make it easier [...]

It’s not what you know that will hurt you when lending-it’s what you don’t know! In a USA Today Snapshot entitled “Different Faces of Fraud”, financial professionals concluded that 19% of the fraud committed against their institution was on the front end of the application process. Learning how to read and understand credit reports is [...]

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 [...]

The Real Estate Appraisal course is ACE recommended for college credit transfer! (Recommended prerequisite – Residential Mortgage Lending) 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 [...]

Real Estate Finance course is ACE recommended for college credit transfer! The Real Estate Finance 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. Textbook chapter topics include: History and Background Money and Interest Rates Mortgage Money: Regulated Lenders Other [...]

(Recommended prerequisite – Residential Mortgage Lending) The Real Estate Law course is ACE recommended for college credit transfer! This Real Estate Law 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 [...]

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This training webinar will focus on several simple steps to handle Reg E customer disputes and inquiries. Understanding the rules will help you satisfy the regulators but can also SAVE YOUR FINANCIAL INSTITUTION MONEY by only paying the claims that you are required to reimburse for unauthorized transactions. We will review the steps required to handle disputes [...]

Reg. Z and RESPA have now been officially turned over to the CFPB, and they have plans to make major changes. Some of those changes were mandated by the Dodd-Frank Act, others are planned to encourage “transparency” and achieve other goals the Bureau has. But we have to comply now – how to best do [...]

Perhaps no regulation is as difficult to comply with overall as Reg. Z, and now it’s under the control of the CFPB. We’ve never seen so much activity around changes in Reg. Z as we’ve seen the past few years, from MDIA, the Credit CARD Act, and many changes made to TILA by Dodd-Frank., The [...]

Before approving any business loan request, a lender should be convinced of the business applicant’s ability (through cash flow) to service debt. If a business is not successful in generating enough cash flow to do this, however, a lender may need to rely on either personal guarantees or the security pledged as collateral in order [...]

Whether you report to one or all four of the National Credit Reporting Agencies (CRA), 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 [...]

The Residential Mortgage Lending course is ACE recommended for college credit transfer! This Residential Mortgage Lending 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, [...]

The content of the Residential Mortgage Lending Overview 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 [...]

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 [...]

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 [...]

This risk management online course is an introduction to approaching the identification of risk in a bank.  Topics to be covered include: Identify ways risk affects the banking industry Evolution and Nature of Risk in Banking Risk Management Regulatory Designations of Risk Emerging Technology Risk Risk-based Supervision Rating Risk Management

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 [...]

The Story: Troy Evans pursued a career as a self-employed addict, drug dealer, gambler and thief for more than 15 years. Ultimately, his disregard of values and discipline resulted in a 13 year federal prison sentence. Facing the obstacles, pressures and violence of prison life, he was determined that his time behind bars would not [...]

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 robbery training program will provide innovative ways for the front line staff to engage in customer service practices that delight [...]

Roth rules finally clarified in a simple manner. When tax time comes around, it seems that Roth IRA distributions are the victims of mis-coding by the financial institutions and over-taxation by the tax preparers. Thousands of dollars in taxes and penalties are being paid to the IRS on Roth distributions that should be free. If [...]

Top 10 ways to increase profits & reduce expenses – 2011 Update Improve Your System: Many financial institutions have considered safe deposit as a loss leader for so long that it is difficult for them to view this service a profit center. Fortunately many institutions are now starting to realize that consumers are willing to [...]

Are your internal safe deposit procedures now in compliance with all state, federal and security regulations and do you follow correct day-to-day operating procedures? These two timely and comprehensive presentations contain important information about your “Most Frequently Asked” operations and compliance questions. They cover the USA Patriot Act, Suspicious Activity Reporting, Bank Protection Act, OCC, [...]

Morning Session:  Safe Deposit Fundamentals Safe Deposit training is crucial in the operation of this 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. [...]

Safe Deposit training is crucial in the operation of this 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 [...]

Are your internal procedures now in compliance with all safe deposit state, federal and security regulations? This timely and comprehensive presentation contains important information about all these regulations. It addresses your “Most Frequently Asked” compliance questions about the USA Patriot Act, Suspicious Activity Reporting, BSA/AML, Bank Protection Act, OCC, FDIC, NCUA and ADA safe deposit [...]

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 [...]

The Sales Excellence 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; [...]

This sales management workshop focuses on participants developing specific coaching and feedback skills to help them develop and maintain an effective sales process in their branches.  See related Sales Skills seminar. At the conclusion of this session, participants will: Gain confidence in their roles as coaches in building sales cultures. Develop specific feedback skills they [...]

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.  See related Sales Management seminar. At the conclusion of [...]

This fast-paced webinar is all about expertise and performance when it comes to sales, service and communication. Focusing on the key issues the frontline must manage effectively everyday, Frontline Fundamentals, will heighten awareness, teach techniques and provide information concerning selling, service delivery and compliance follow-through. The theme is communicating the right way at the right [...]

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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 [...]

Imagine finding yourself suddenly in a senior credit administration position at your financial institution due to required personnel changes as a result of frequent credit losses; or, your company’s credit administration seems disconnected, un-organized and free flowing and lacks effective management oversight; or you are in a lending position and the credit administration function at your institution fails [...]

You’ll find this information packed webinar full of tips, techniques and best practices that will compliment your determination to be a highly successful trainer! Come learn from one of the nation’s top trainers what you need in order to move your credibility, confidence and skills to the next level. Explore all types of training tools [...]

Sometimes the simplest error or typo can create legal ownership, insurance and access issues for your accountholder. If you do not sign the signature card contract on a joint account, it is not insured by either the FDIC or NCUSIF. Or if you add notes to the cards or add signers after the fact, many [...]

Is your signature cards contract a “friend” or a “foe”? It depends on your understanding of the account agreement or contract. The relationship that we enter with the account holder that protects both them and us is very important to the success of the relationship. But many times, lack of understanding of account ownership and [...]

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 [...]

Social Media has become ingrained in the way we communicate today. This half-day workshop will help you understand the role of social media in today’s market and how your bank is positioned for compliance, marketing, reputation, employee communication and return on investment. The program will deconstruct the elements of social media to provide the foundation [...]

This exciting new series will feature the following workshops.  Please click on the Session Title for the course description. Friday, April 20, 2012 – SESSION 1:  Social Media Foundations for an eBank Brand Monday, May 14, 2012 – SESSION 2:  Social Media in the Trenches Wednesday, May 30, 2012 – SESSION 3:  The Foundations of [...]

We can all agree that social media is not just a fad or passing fashion; it’s one of the most fundamental shifts in the way that people communicate today. Everyone at all ages uses some form of social media to communicate with one another or an institution of choice. As bank marketers we need to [...]

Social media theory can be intriguing and thought provoking. However, in order to understand the practical and usable aspect of social media, examples are needed. Nearly all institutions have social media on their minds; many have some sort of campaign currently active. But institutions are curious in how to apply theory to real life examples. [...]

Has your financial institution waded into the social media pool yet?  This timely panel discussion will focus on the pros and cons of social media networking from a marketing, administration, and risk assessment perspective. Tom Marks, CEO of The Leverage Marketing Group, will serve as moderator. He has spent the past 12 years in the [...]

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 [...]

Did you get notification at your financial institution last year that many of your names on accounts did not match? The IRS is seriously working the names and withholding for accounts and your responsibility as withholding agent is becoming very important. Your financial institution may incur penalties, be responsible for withholding if your financial institution [...]

How to Handle Sticky Customer Service Situations offers a practical primer in handling the stickiest, trickiest customer/member service situations. It will reveal how sticky situations can actually be opportunities in disguise. You’ll learn how to turn customer/member (internal, external, and patient) objections into occasions for increasing loyalty and the quality of the customer/member relationship–without letting [...]

Do you want your tellers to demonstrate professional maturity and balance, be accountable and on time, and excel at sales and service? Sounds good, doesn’t it? This program will focus on teller performance coaching – it’s the key to the teller becoming motivated and responsible. Are you ready to learn how to work with the teller [...]

High-demand work environments take a toll on employees, which affects an organization’s productivity, turnover, absenteeism, and personal health. This program will provide you with tools to cope with personal and work stress and become more resilient to demands. This class is not just for the “stressed-out”, but for anyone interested in functioning at a higher [...]

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 [...]

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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 [...]

This Supervision course is ACE recommended for college credit transfer! The Supervision course 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 [...]

This “nuts-and-bolts” supervisory skills 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 [...]

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 Teller Operations 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; [...]

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

The credit analysis process requires that a lender review a wide variety of financial information. Analyzing balance sheets is of utmost importance, uncovering the most important types of financial information that potential (and current) borrowers provide to banks, credit unions, and other lenders. This program will examine ten important things that every analyst and loan officer should [...]

The credit analysis process requires that a lender review a wide variety of financial information. This information includes  analyzing profit and loss statements, which occasionally are the only financial information that borrowers provide to lenders. This program will examine ten important things that every analyst and loan officer should look for when evaluating the information [...]

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. Textbook chapter [...]

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The banking crisis of 2007-2011 will bring about much in the way of increased regulator scrutiny and we believe the ALCO process is one of those issues that will have to be upgraded within the community financial institution world. With increased emphasis on both capital and liquidity, bankers will be working to make certain their [...]

Communicating well is a definite must in today’s banking environment. Whether it’s telling a customer something he or she would rather not hear, dealing with a difficult co-worker, or pitching an idea to your boss, knowing what to say and how to say it can go a long way toward your success. This course is [...]

This two-day workshop reviews the basics of credit and prepares individuals seeking a career in commercial lending. TOPICS TO BE COVERED: • Review of the balance sheet and operating statement entries and their meanings • 5 C’s of credit • 7 parts of complete audits • Auditor’s certificates • Working capital • Depreciation of calculation [...]

Why do we make check handling so difficult?  These simple do’s and don’ts will keep your financial institution from losing money and creating chaos in the back office.  Checks are contracts and should be handled like any other legal document.  There are reasons why we do not put business checks into personal accounts and why we [...]

Sometimes the simplest error or typo can create legal ownership, insurance and access issues for your accountholder. If you do not sign the signature card on a joint account, it is not insured by either the FDIC or NCUSIF. Or if you add notes to the cards or add signers after the fact, many times [...]

Social media is one of the biggest buzzwords in the banking industry today. Yet in order to even start to have a successful social media campaign, the foundation of your eBank Brand must be built. What most bank marketers overlook when launching any web marketing campaign is the need for a strong foundation for your [...]

The Future of Business 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 [...]

The moral hazards of bailouts and the economic climate are not just topics for intellectual debate and academic pontification. Both conditions have an impact on individuals who work at your institution, and when combined with the powerful influence of the rationalization process, some employees make the decision to embezzle to satisfy their needs. Are you [...]

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 loan review process is an important component of any successful commercial lending program. Although prudent underwriting before a loan decision has been made is key to building a strong loan portfolio, an incomplete or deficient loan review process can prove detrimental to the maintenance of that portfolio as a healthy ongoing concern. This loan [...]

  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 [...]

Were you recently promoted to supervisor? Or, perhaps, you’re already a supervisor and feel you would benefit from some new tools?  Or maybe, you’re on a proactive path toward becoming a supervisor?  This workshop will give you a survival kit of real-life tools that will help you master the position and super-charge your supervisory skills.  Your Supervisory Survival [...]

The SAFE Act is the rule that keeps on giving. Final rules were released last summer requiring financial institutions to formulate policies and procedures. In the future employees of financial institutions that act as Mortgage Loan Originators, or MLOs, must register with a new system, the Nationwide Mortgage Licensing System and Registry, or NMLSR. Registration [...]

RESPA is soon to change in a major way, thanks to the CFPB and its “Know Before Your Owe” effort. New disclosures to replace the GFE and HUD-1 are coming soon, but not that soon. It’s likely to be a year or more before the new forms are mandatory. In the meantime, we have to [...]

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 program will provide you with excellent coaching tactics on dealing with the challenging [...]

Time is money. This intensive, interactive time management seminar will offer real-world, practical tips for thriving in today’s workplace, where things have to get done as efficiently as possible. Topics to be covered: • Ensuring top quality customer service, even when things are “crazy” • Avoiding “time vampires” • Responding efficiently to telephone calls and [...]

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 [...]

They say there is the right tool for every job–and that doesn’t just apply to carpenters! In this challenging economy, building a solid customer base takes skill and the correct “Power Tools”–solid communication and service practices that will keep your customers happy. The Tool Kit of Best Customer Service Practices will provide you with an [...]

Did you inherit the safe deposit area and then start wondering what liability might exist? Historically this responsibility has been routinely passed from employee to employee with very little attention given to existing procedures or documentation. Unfortunately, only after a lose occurs does management turn its attention to this area. Questions regarding current lawsuits, Suspicious [...]

Knock, Knock on your door and the FDIC/NCUSIF is there to take over your institution. You are in shock and so are the customers and the other employees. Now you begin thinking about all those signature cards in pending files, the documents to support trusts and business accounts. How good are your deposit records? Your [...]

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 [...]

UDAAP – Unfair, Deceptive and Abusive Acts and Practices.  If your financial institution offers loans or deposit accounts, you need to have a game plan for the revised UDAAP standards.  Don’t be fooled that UDAP is simply a “big bank” problem.  Since 2008, 43% of UDAP violations cited by the FDIC were for financial institutions with [...]

This training webinar will examine your compliance obligations when using Credit Scoring Models. Here are some questions we will address; If we are we required to give out the credit scores to our customers through our Adverse Action Notices and our Risk Based Pricing Notices which methods/models are best for us? Can a consumer or a Financial [...]

This training weminar explains letters of credit including the parties involved and their liabilities. Also, this webcast seminar will discuss the rules regarding letters of credit that were implemented by the Uniform Customs and Practices for Documentary Credits (2007 Revision) (the “UCP 600″) on July 1, 2007. Financial institutions that issue or accept letters of credit [...]

  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 lending products [...]

This training seminar is designed to give you a better understanding of residential real estate appraisals.  Content includes the latest 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. This seminar is Day 3 of the [...]

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 new Uniform Appraisal Data Requirements went into effect on 9/1/11, and while they greatly impact the appraisers work, it is the lenders responsibility to make sure the appraisal is compliant. In this webinar we will go over the new language, ratings and requirements that impact the way the appraisal form is completed. Covered Topics: •History/Overview [...]

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. This training webinar, designed for banks and credit unions, will [...]

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 [...]

Learn how to value income producing property using the income approach. This seminar takes a discounted cash flow approach utilizing the variables of capitalization rate and Net Operating Income. Understand how these variables can affect property value. You will also learn what areas to examine that can overinflate property valuation. Utilizing a discounted cash flow [...]

There are a myriad of issues to contend with when dealing with Vendor Due Diligence and Management, and the regulatory agencies have increased expectations of financial institutions on how to deal with them. Have you done your due diligence? Risk management is at the forefront of this type of analysis, and you must have processes [...]

Today’s financial institutions face the training challenges of reaching more employees, reducing costs, and increasing retention levels. Online training, eLearning, and distance education are among the many methodologies in the virtual world to help meet these training challenges. Knowing where to start, especially if this is uncharted territory, can be overwhelming. This session is for [...]

Creating a Disaster Recovery Plan can be awfully frustrating. Between the wild assumptions (global pandemics) and educated guesses (local weather phenomena) rests an incredibly unpredictable landscape of disasters. How do you plan for it all? Should you plan for it all? This webinar will help your organization develop a plan for success in the face [...]

If you need others to take direction from you in order to succeed, you will find this program of tremendous value. This webinar focuses on the techniques and strategies you need in order to handle your job responsibilities successfully while at the same time increasing your personal job satisfaction. New Supervisors must master the art 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 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 doing [...]

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 [...]

Today we are inundated with more email than we can wade through. It’s not a time-management problem—it’s an information-management problem! Learn how to manage the “info-glut” and write email people will actually read and respond to in a timely manner. What You Can Expect To Learn: • Learn techniques to ensure that your reader reads [...]

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 [...]

In the previous sessions you learned about the foundations of Social Media, Search Engines, Websites, and how these mediums affect the user experience. All of these are your eBank Brand. However, these are just the avenues, and only the beginning of what the future will bring in the online world. At minimum your bank must [...]