Events
Key Ratio Analysis
Course Details & Registration
Location: Sterner Training Center
Date/Time: 8/9/2012
Subject: Lending
Format: Live, In-Person
Commercial Credit Risk Management: The Essentials
Course Details & Registration
Location: Sterner Training Center, 1009 Grant Street
Date/Time: 6/20/2012
Subject: Leadership & Management
Format: Live, In-Person
Lending: Secured or Not Secured - Season Lines of Credit
Course Details & Registration
Location: Sterner Learning Center, 1009 Grant Street
Date/Time: 6/19/2012
Subject: Lending
Format: Live, In-Person
2012 Tri-State Bankers Summit
Location: Grand Hyatt - Denver, CO
Date/Time: 6/10/12 - 6/12/12
Subject: CBA Special Events
Format:
Lending: Residential Real Estat Lending in Uncertain Times
Course Details & Registration
Location: Various Locations - See Course Details
Date/Time: 6/7/2012, 6/8/2012
Subject: Lending
Format: Live, In-Person
ABA Online Review Course for the CTFA Exam wihout Text
AUDIENCE: This course is designed for those preparing for the Certified Trust and Financial Advisor (CTFA) Exam. The Certified Trust and Financial Advisor (CTFA) is applicable to financial services professionals whose primary function and expertise focus on the provision of fiduciary services related to trusts, estates, guardianships and individual asset management accounts.
Candidates who are planning on earning the prestigious Certified Trust and Financial Advisor (CTFA) designation from the Institute of Certified Bankers will find this course an additional resource and convenient way to review for the exam. It is designed as a companion study tool to the four-volume ABA Wealth and Advisory Personal Trust Series (WAPTS).
The study quizzes from the WAPTS workbooks are used in the online course computer-graded quizzes to provide instant feedback. Participants are encouraged to take the Pre-test for each exam section first to identify the areas where they should concentrate their study. After studying the various sections of the study guides, participants can take the review tests from each section. Access to all lessons and quizzes on the online course site is available for the duration of the course and until the date of the Individually Proctored Exam. As a capstone to the course, learners may take a sample exam modeled after the CTFA exam (which is not available in the WAPTS).
There is a discussion board for each section of the course with forums organized according to subject matter. In the discussion board, participants can post questions as well as share insights and review and discuss other student’s questions and comments. Students also have the ability to Instant Message each other.
This is a self-paced online course that begins prior to the Spring and Fall Individually Proctored CTFA exams.
After successfully completing this course, you should be familiar with the following areas:
• Fiduciary and Trust Activities
• Tax Law and Tax Planning
• Investment Management
• Financial Planning
TEXT: Wealth and Advisory Personal Trust Services, New Edition January 2012
Recommended Instructional Hours: Self-Paced Delivery Methods Available: Online
Date/Time: 5/28/2012-8/19/2012
Subject: Wealth Management & Trust
Format: Webinar
ABA Online Review Course for the CTFA Exam with Text
AUDIENCE: This course is designed for those preparing for the Certified Trust and Financial Advisor (CTFA) Exam. The Certified Trust and Financial Advisor (CTFA) is applicable to financial services professionals whose primary function and expertise focus on the provision of fiduciary services related to trusts, estates, guardianships and individual asset management accounts.
Candidates who are planning on earning the prestigious Certified Trust and Financial Advisor (CTFA) designation from the Institute of Certified Bankers will find this course an additional resource and convenient way to review for the exam. It is designed as a companion study tool to the four-volume ABA Wealth and Advisory Personal Trust Series (WAPTS).
The study quizzes from the WAPTS workbooks are used in the online course computer-graded quizzes to provide instant feedback. Participants are encouraged to take the Pre-test for each exam section first to identify the areas where they should concentrate their study. After studying the various sections of the study guides, participants can take the review tests from each section. Access to all lessons and quizzes on the online course site is available for the duration of the course and until the date of the Individually Proctored Exam. As a capstone to the course, learners may take a sample exam modeled after the CTFA exam (which is not available in the WAPTS).
There is a discussion board for each section of the course with forums organized according to subject matter. In the discussion board, participants can post questions as well as share insights and review and discuss other student’s questions and comments. Students also have the ability to Instant Message each other.
This is a self-paced online course that begins prior to the Spring and Fall Individually Proctored CTFA exams.
After successfully completing this course, you should be familiar with the following areas:
• Fiduciary and Trust Activities
• Tax Law and Tax Planning
• Investment Management
• Financial Planning
TEXT: Wealth and Advisory Personal Trust Services, New Edition January 2012
Recommended Instructional Hours: Self-Paced Delivery Methods Available: Online
Date/Time: 5/28/2012-8/19/2012
Subject: None
Format: Webinar
Deposit Accounts: Legal Issues, Documentation & Compliance
Course Details & Registration
Location: Various Locations - See Course Details
Date/Time: 5/23/2012 & 5/24/2012
Subject: General Banking
Format: Live, In-Person
CONSUMER lENDING
AUDIENCE: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit.
This AIB course introduces students to the consumer lending process, its importance to the bank and consumers, and the environment
in which it functions. 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.
The course explores what is involved in a credit investigation, decision making, loan pricing and loan policy.
After successfully completing this course, you will be able to:
• Describe key laws and regulations affecting consumer lending
• List characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products
• Explain how effective marketing can increase loan outstandings and application volume
• Describe consumer loan information sources and the credit verification process
• Explain how the five C’s of credit are used in credit evaluation and decision-making
• Identify types of consumer loan documents and describe their purpose
• Discuss causes of consumer loan delinquencies and collection stages and remedies
TEXT: Consumer Lending, 2009, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 5/14/2012-9/4/2012
Subject: Lending
Format: Webinar
Principles of Banking
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 5/14/2012-9/4/2012
Subject: General Banking
Format: Webinar
Economics for Bankers
AUDIENCE: Personnel who have not had a formal course in economics and who wish to increase their understanding of economics as it relates to banking. This AIB course explains macroeconomic principles with a focus on how these principles relate to the financial services industry. It will help students interpret economic news and apply economic principles to their work. Most applications in the text apply to the financial services industry.
After successfully completing this course, you will be able to:
• Understand the meaning of economic terminology and the discipline of economic reasoning
• Follow economic news and analyze important economic questions
• Locate and obtain economic data and information and apply it to your bank’s needs
• Apply economic principles to important questions in the financial services industry
• Use basic graphing and graph interpretation skills to examine economic questions
• Understand the major economic policy problems faced by government: economic growth, unemployment, inflation, and budget deficits and debt
• Understand the aggregate demand/aggregate supply model and its importance in examining major economic policy problems
TEXT: Economics: Fundamentals for Financial Services Providers, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 5/14/2012-9/4/2012
Subject: None
Format: Webinar
Law and Banking: Principles without Text
AUDIENCE: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transactions.
This AIB course is a foundation on the business law principles underlying banking law as well as a description of the context for and process of creating banking law and regulations. Knowing the basics of business law enables every banker to more easily understand laws pertaining to bank products, services and transactions.
After successfully completing this course, you will be able to:
• Explain the legal and regulatory system by which laws and regulations are made and banks are governed.
• Describe the Uniform Commercial Codes Articles 3, 4, and 9
• Distinguish between civil law and criminal law, torts and crimes
• Explain concepts such as of legal capacity, obligation, authority, responsibility and liability
• Describe legal entities such as sole proprietorships, partnerships, corporations, agents, principals, estates, and more
• Explain the elements, types of, and rules for interpretation of contracts
• Understand real and personal property ownership, ways property is transferred or acquired, major types of property interests, and more
• Describe the UCC Article 3 rules for negotiable instruments, the rules of negotiation and more
• Explain UCC Article 4 requirements for transfer of negotiable instruments, the rules for banks in the collection process,the affect of Check 21, and more
TEXT: Law and Banking, New Edition January 2012, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 5/14/2012-9/4/2012
Subject: Compliance
Format: Webinar
Law and Banking: Principles with Text
AUDIENCE: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transactions. This AIB course is a foundation on the business law principles underlying banking law as well as a description of the context for and process of creating banking law and regulations. Knowing the basics of business law enables every banker to more easily understand laws pertaining to bank products, services and transactions.
After successfully completing this course, you will be able to:
• Explain the legal and regulatory system by which laws and regulations are made and banks are governed.
• Describe the Uniform Commercial Codes Articles 3, 4, and 9
• Distinguish between civil law and criminal law, torts and crimes
• Explain concepts such as of legal capacity, obligation, authority, responsibility and liability
• Describe legal entities such as sole proprietorships, partnerships, corporations, agents, principals, estates, and more
• Explain the elements, types of, and rules for interpretation of contracts
• Understand real and personal property ownership, ways property is transferred or acquired, major types of property interests, and more
• Describe the UCC Article 3 rules for negotiable instruments, the rules of negotiation and more
• Explain UCC Article 4 requirements for transfer of negotiable instruments, the rules for banks in the collection process,the affect of Check 21, and more
TEXT: Law and Banking, New Edition January 2012, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 5/14/2012-9/4/2012
Subject: Compliance
Format: Webinar
Health Savings Accounts
Course Details & Registration
Location: Sterner Training Center, 1009 Grant Street
Date/Time: 5/10/2012
Subject: None
Format: Live, In-Person
IRA: Advanced 2012
Course Details & Registration
Location: Sterner Training Center, 1009 Grant Street
Date/Time: 5/9/2012
Subject: Wealth Management & Trust
Format: Live, In-Person
IRA: Essentials 2012
Course Details & Registration
Location: Sterner Training Center
Date/Time: 5/8/2012
Subject: Wealth Management & Trust
Format: Live, In-Person
Principles of Banking Accelerated
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 5/7/201-7/15/2012
Subject: General Banking
Format: Webinar
Analyzing Financial Statements
Recommended Prerequisite: Financial Accounting
AUDIENCE: Commercial loan officers, credit analysts and trainees who have a basic knowledge of accounting principles and practices, and a familiarity with the commercial lending process.
This AIB course provides the skills needed to effectively assess a borrower’s ability to repay loans. It builds core competencies through instruction and application based on actual small business lending cases.
After successfully completing this course, you will be able to:
• Relate how a company’s type of business, legal structure, size, and management strategies affect the way a lender conducts financial analysis
• Analyze income statements, balance sheets, and pro forma statements
• Calculate key financial ratios and use them to compare a company’s performance to the company’s industry standards
• Determine when a funds flow statement is required
• Construct and analyze long-run, multiple-year forecasts of income statements and balance sheets
• Construct and interpret a cash budget
TEXT: Analyzing Financial Statements, 2007, ABA
Recommended Instructional Hours: 30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 2-3 Live, 3 Correspondence & Online
Date/Time: 5/7/2012-8/26/2012
Subject: General Banking
Format: Webinar
General Accounting
AUDIENCE: Individuals with little or no accounting background.
This AIB course provides a complete foundation in basic accounting procedures in a practical, up-to-date, and easy-to-comprehend manner. The goal is to provide students with a strong basic knowledge of accounting terms, concepts, and procedures. Emphasis is placed on developing a firm foundation of fundamental procedures with appropriate repetition of content through the use of examples and color-coded illustrations.
After successfully completing this course, you will be able to:
• Understand the basic accounting cycle and define the basic elements used such as asset, liability, owner’s equity, revenue, and expense accounts
• List the steps in the accounting cycle and prepare a post-closing trial balance and interim statements
• Understand and perform functions relative to bank accounts and cash funds
• Understand the implications of dealing with employee earnings and deductions, and with employee taxes, payments, and reports
• Prepare a classified income statement and balance sheet, compute working capital and current ratio, and journalize closing entries for a business
TEXT: College Accounting, 9th edition, 2008, Houghton Mifflin Company
Recommended Instructional Hours: 45 Live, 16 Weeks Online Delivery Methods Available: Live, Online
Recommended AIB Credit: 3
Date/Time: 5/7/2012-8/26/2012
Subject: General Banking
Format: Webinar
Managing Funding, Liquidity, and Capital without Text
Prerequisites: Participants should have a basic understanding of bank financial statements, bank performance analysis, and interest rate management. Students who have not had exposure to these topics are encouraged (but not required) to take Analyzing Bank Performance and Managing Interest Rate Risk prior to this class.
Audience: Individuals involved in funding, liquidity or capital management, or line managers making pricing, investment, or funding decisions that impact these areas.
After successfully completing this course, you will be able to:
• Identify the risk-return characteristics of various deposit and non-deposit sources
• Evaluate the costs of various funding sources and their impact on profitability
• Evaluate the impact of various funding sources on interest rate and liquidity risk
• Take appropriate measures to manage liquidity
• Identify optimal capital levels from both the regulators’ and shareholders’ point of view
• Evaluate the costs and risks of different sources of capital
• Prepare a capital management plan
Text: Bank Management, September 2009 Edition, by Timothy W. Koch and S. Scott MacDonald
Recommended Instructional Hours: 6 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 1
Date/Time: 5/7/2012-6/17/2012
Subject: Bank Financial Management
Format: Webinar
Manging Funding, Liquidity, and Capital with Text
Prerequisites: Participants should have a basic understanding of bank financial statements, bank performance analysis, and interest rate management. Students who have not had exposure to these topics are encouraged (but not required) to take Analyzing Bank Performance and Managing Interest Rate Risk prior to this class.
Audience: Individuals involved in funding, liquidity or capital management, or line managers making pricing, investment, or funding decisions that impact these areas.
After successfully completing this course, you will be able to:
• Identify the risk-return characteristics of various deposit and non-deposit sources
• Evaluate the costs of various funding sources and their impact on profitability
• Evaluate the impact of various funding sources on interest rate and liquidity risk
• Take appropriate measures to manage liquidity
• Identify optimal capital levels from both the regulators’ and shareholders’ point of view
• Evaluate the costs and risks of different sources of capital
• Prepare a capital management plan
Text: Bank Management, September 2009 Edition, by Timothy W. Koch and S. Scott MacDonald
Recommended Instructional Hours: 6 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 1
Date/Time: 5/7/2012-6/17/2012
Subject: Bank Financial Management
Format: Webinar
Principles of Banking
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 4/30/2012-8/19/2012
Subject: General Banking
Format: Webinar
Money and Banking
AUDIENCE: Management trainees and other personnel of banks or service providers to the banking industry.
This AIB course presents essential information on how money functions in the United States and in the world and the role of banks. The course reviews concepts such as money supply, money creation, the tenants of monetary theory, and performance measures in the economy. The U.S. payments system, bank products, and bank services are discussed. The function and relationship of monetary and fiscal policies are explored. The role of the Federal Reserve, as the nation’s Central bank, is explained. The course also covers other important knowledge areas such as the foreign use of U.S. currency, the effect of electronic payment devices, such as debit cards, on domestic payments, anti-counterfeit measures, and more.
After successfully completing this course, you will be able to:
• Explain the basic functions and history of money in the world’s economy
• Describe the role of savings and lending in the U.S. economy
• Summarize how banks create money through lending
• Discuss banks as business firms
• Identify the tools of monetary and fiscal policy
• Explain bank operations and the U.S. payments system
• Identify various institutions in the financial marketplace
• Discuss the major banking regulators, laws, and regulations.
TEXT: Money & Banking, 2008, ABA
Recommended Instructional Hours: 15-30-45 Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credit: 1-2-3
Date/Time: 4/30/2012-8/19/2012
Subject: General Banking
Format: Webinar
Supervisor Certificate
AUDIENCE: New and potential first level supervisors.
This course prepares new and potential first-level supervisors to handle people management duties. Among the topics covered are hiring, performance management, coaching, rewards and recognition, corrective action, managing employee relations, and managing change.
Certificate: Students who complete this course and the Banking Today course or equivalent experience will receive the AIB
Supervisor Certificate. Forward a completed diploma/certificate application form to the Nebraska Bankers Association.
After successfully completing this course, you will be able to:
• Select the most qualified candidate for the job
• Describe the importance of ethical practices in banking
• Identify the major strategies for managing employee relations
• Execute and communicate clear performance objectives
• Recognize the need to coach others to achieve their personal best
• Explain the need to employee corrective action and plan appropriate steps for corrective counseling
• Describe different forms of recognition and the benefits
• Explain the change process and what actions to take to manage change
TEXT: All reading materials are provided online.
Recommended Instructional Hours: 16 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 3.25
Date/Time: 4/30/2012-8/19/2012
Subject: Leadership & Management
Format: Webinar
Law and Banking: Applications with Text
AUDIENCE: Personnel who are new to banking or require a refresher course on the legal basis for many banking services and transactions. This AIB course reflects the ways that banks do business and how they are affected by laws and regulations — in plain English for the non-lawyer. It is devoted to the basic laws and banking regulations that govern deposit accounts, lending, real estate lending, bankruptcy, non-deposit products and services, international banking, marketing, safety and soundness, and information reporting.
After successfully completing this course, you will be able to:
• Discuss laws and regulations pertaining to deposit account relationships such as regulations D, E, Q, CC, and DD
• Explain legal protections afforded to consumers by such laws as Equal Credit Opportunity, Fair Housing, and Truth in
• Lending, and more
• Describe key laws affecting real estate transactions such as RESPA and HOEPA, and more
• Describe provisions of bankruptcy law covering liquidation, rehabilitation, and relief, and the 2005 Bankruptcy Abuse
• Prevention and Consumer Protection Act
• Identify major laws and regulations governing bank trust, securities and insurance activities; marketing and international
banking
• Describe major provisions of laws and regulations protecting bank operations such as regulations O and W,
• Explain provisions of laws such as HMDA, Bank Secrecy Act, USA PATRIOT Act, Financial Privacy and OFAC regulations
TEXT: Law and Banking, New Edition January 2012, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 4/30/2012-8/19/2012
Subject: Compliance
Format: Webinar
Law and Banking: Applications without Text
AUDIENCE: Personnel who are new to banking or require a refresher course on the legal basis for many banking services and transactions. This AIB course reflects the ways that banks do business and how they are affected by laws and regulations — in plain English for the non-lawyer. It is devoted to the basic laws and banking regulations that govern deposit accounts, lending, real estate lending, bankruptcy, non-deposit products and services, international banking, marketing, safety and soundness, and information reporting.
After successfully completing this course, you will be able to:
• Discuss laws and regulations pertaining to deposit account relationships such as regulations D, E, Q, CC, and DD
• Explain legal protections afforded to consumers by such laws as Equal Credit Opportunity, Fair Housing, and Truth in
• Lending, and more
• Describe key laws affecting real estate transactions such as RESPA and HOEPA, and more
• Describe provisions of bankruptcy law covering liquidation, rehabilitation, and relief, and the 2005 Bankruptcy Abuse
• Prevention and Consumer Protection Act
• Identify major laws and regulations governing bank trust, securities and insurance activities; marketing and international banking
• Describe major provisions of laws and regulations protecting bank operations such as regulations O and W,
• Explain provisions of laws such as HMDA, Bank Secrecy Act, USA PATRIOT Act, Financial Privacy and OFAC regulations
TEXT: Law and Banking, New Edition January 2012, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 4/30/2012-8/19/2012
Subject: Compliance
Format: Webinar
Business Development: Retaining & Growing Your Loan Portfolio
Course Details & Registration
Location: Sterner Training Center, 1009 Grant Street
Date/Time: 4/26/2012 8:30 a.m. to 3:30 p.m.
Subject: Lending
Format: Live, In-Person
Principles of Banking Accelerated
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 4/23/2012-7/1/2012
Subject: General Banking
Format: Webinar
Basic Administrative Duties of a Trustee
AUDIENCE: Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank
who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better
understanding of their clients' business needs.
A fiduciary has a duty to hold the assets of an estate or trust, to administer the assets solely in the interest of the beneficiaries, and to
carry out the terms of the trust. Many of the specific categories of duties that fall under these broad classifications will be discussed in
this course including basic trust administration, agency relationships, guardianships, and wills and the probate process.
After successfully completing this course, you will be able to:
• Discuss a trustee's standard of performance
• Explain the basic principles of administration
• Analyze administrative duties directed internally by a trust
• Describe external factors associated with the administration of a trust
• Define the purpose of state trust statutes
• Describe an agency relationship
• Explain the forms of agencies and their features
• Explain the attributes of using a trust department as an investment manager
• Define incapacitation
• Distinguish the types of guardians and guardianships
• List the duties of an estate guardian
• Describe the newer forms of guardianships
• Compare healthcare and property directives
• Explain what a will is and contrast the differences between dying testate and dying intestate
• Describe who can establish a will, what testamentary capacity is, and how a will can be contested
• Determine how a will can be changed
• Define probate
• List the steps and timetable involved in the administration and settlement of an estate
• Define and use the terms that appear in bold in the text
TEXT: Trust Basics, 2008, ABA
Recommended Instructional Hours: 5 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 1
Date/Time: 4/23/2012-5/27/2012
Subject: Wealth Management & Trust
Format: Webinar
Marketing Financial Services
AUDIENCE: Entry to mid-level bank marketers and all bank personnel responsible for conceiving or carrying our any phase of a bank’s
marketing efforts. Management trainees and senior management in a community bank.
This AIB course provides a thorough immersion in marketing concepts and activities involved in specifically marketing financial
services. It takes a marketer from the basics of marketing through the steps necessary to integrate and grow marketing at their
institution: developing a marketing plan, sales and sales management, communications and public relations. This course is full of case
studies and provides a tool kit of items to help integrate the ideas and concepts into the bank.
After successfully completing this course, you will be able to:
• Recognize consumer motivation and buying behavior
• Integrate public relations, advertising, sales promotion, selling, and service distribution functions in your bank’s overall
marketing plan
• Conduct situation analysis and formulate a master marketing strategy
• Monitor and evaluate performance
TEXT: Marketing Financial Services, 2009, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 4/23/2012-8/12/2012
Subject: Marketing & Sales
Format: Webinar
Consumer Lending
AUDIENCE: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit.
This AIB course introduces students to the consumer lending process, its importance to the bank and consumers, and the environment
in which it functions. 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.
The course explores what is involved in a credit investigation, decision making, loan pricing and loan policy.
After successfully completing this course, you will be able to:
• Describe key laws and regulations affecting consumer lending
• List characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products
• Explain how effective marketing can increase loan outstandings and application volume
• Describe consumer loan information sources and the credit verification process
• Explain how the five C’s of credit are used in credit evaluation and decision-making
• Identify types of consumer loan documents and describe their purpose
• Discuss causes of consumer loan delinquencies and collection stages and remedies
TEXT: Consumer Lending, 2009, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 4/16/2012-8/5/2012
Subject: Lending
Format: Webinar
Principles of Banking
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 4/16/2012-8/5/2012
Subject: General Banking
Format: Webinar
General Accounting
AUDIENCE: Individuals with little or no accounting background.
This AIB course provides a complete foundation in basic accounting procedures in a practical, up-to-date, and easy-to-comprehend manner. The goal is to provide students with a strong basic knowledge of accounting terms, concepts, and procedures. Emphasis is placed on developing a firm foundation of fundamental procedures with appropriate repetition of content through the use of examples and color-coded illustrations.
After successfully completing this course, you will be able to:
• Understand the basic accounting cycle and define the basic elements used such as asset, liability, owner’s equity, revenue, and expense accounts
• List the steps in the accounting cycle and prepare a post-closing trial balance and interim statements
• Understand and perform functions relative to bank accounts and cash funds
• Understand the implications of dealing with employee earnings and deductions, and with employee taxes, payments, and reports
• Prepare a classified income statement and balance sheet, compute working capital and current ratio, and journalize closing entries for a business
TEXT: College Accounting, 9th edition, 2008, Houghton Mifflin Company
Recommended Instructional Hours: 45 Live, 16 Weeks Online Delivery Methods Available: Live, Online
Recommended AIB Credit: 3
Date/Time: 4/16/2012-8/5/2012
Subject: General Banking
Format: Webinar
Introduction to Agricultural Lending
AUDIENCE: Those new to agricultural lending or with limited experience.
This AIB course will provide participants with the basic skills needed to begin to undertake credit analysis, loan structuring, monitoring,
and provide guidance on dealing with problem loans. This course was developed in conjunction with the Schools of Banking, Inc., a
jointly-owned subsidiary of the Kansas and Nebraska Bankers Associations.
After successfully completing this course, you will be able to:
• Describe the size and scope of U.S. agriculture and the characteristics of the four main classifications of farm size
• Describe the purpose of the Farm Financial Standards Council (FFSC) and the impact of the FFSC recommendations on
agricultural lending
• Recognize and identify the key financial statements as recommended by the FFSC
• Define the classification of assets and liabilities for two category and three category balance sheets
• Calculate deferred taxes and the impact of such taxes on agriculture financial analysis and lender decisions
• Understand the differences between cash and accrual income statements
• Have a working knowledge of accrual income statements and their impact on proper financial analysis and lender decisionmaking
• Understand the statement of owner equity
• Understand the role of cash flow analysis in an agriculture operation and in making lending decisions
• Have a working knowledge of the “Sweet Sixteen” ratios, specifically: Repayment, Liquidity and Solvency Analysis
• Describe the importance and purpose of a loan policy in your bank.
TEXT: All reading materials are provided online.
Recommended Instructional Hours: 8 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 1
Date/Time: 4/16/2012-6/10/2012
Subject: Lending
Format: Webinar
‘Advanced’ Tax Return Analysis
Course Details and Registration
Location: Sterner Training Center, 1009 Grant Street
Date/Time: 4/4/2012 9 a.m. to 4 p.m.
Subject: Lending
Format: Live, In-Person
Principles of Banking
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 3/19/2012-7/8/2012
Subject: General Banking
Format: Webinar
Analyzing Financial Statements
Recommended Prerequisite: Financial Accounting
AUDIENCE: Commercial loan officers, credit analysts and trainees who have a basic knowledge of accounting principles and practices, and a familiarity with the commercial lending process.
This AIB course provides the skills needed to effectively assess a borrower’s ability to repay loans. It builds core competencies through instruction and application based on actual small business lending cases.
After successfully completing this course, you will be able to:
• Relate how a company’s type of business, legal structure, size, and management strategies affect the way a lender conducts financial analysis
• Analyze income statements, balance sheets, and pro forma statements
• Calculate key financial ratios and use them to compare a company’s performance to the company’s industry standards
• Determine when a funds flow statement is required
• Construct and analyze long-run, multiple-year forecasts of income statements and balance sheets
• Construct and interpret a cash budget
TEXT: Analyzing Financial Statements, 2007, ABA
Recommended Instructional Hours: 30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 2-3 Live, 3 Correspondence & Online
Date/Time: 4/2/2012-7/22/2012
Subject: General Banking
Format: Webinar
Security Training: Keeping Your Customers & Employees Safe and Secure
Course Details & Registration
Location: Sterner Training Center, 1009 Grant Street
Date/Time: 3/27/2012
Subject: None
Format: Live, In-Person
Core Deposit Analytics
Presenter: Tom Farin
Price: $500
Target Audience: CEOs, CFOs, treasurers, ALCO members, and retail managers
The most cost effective hedge against interest rate risk in rising rate environments is an effective core funding strategy aimed at supplying the core funding you need while effectively managing funding costs. In addition, two of the most important assumptions you will ever input into your asset-liability model are the pricing betas for all deposits and decay rates on non-maturity deposits. With the disappearance of OTS, the primary source of industry pricing betas and decay rate assumptions will go away early in 2012. After that point you are likely to see increased pressure from regulators to develop and use institution specific assumptions. While you are likely to contract with an outside firm to do the analysis, it is important that you understand the theory behind derivation of these assumptions so you can use them comfortably and explain them to your regulator. You will learn:
• How to apply marginal cost as a decision making tool in choosing between deposit strategies.
• What kind of information to track allowing you to better understand the relationship between pricing and demands in your customer base.
• What is a pricing beta and what role does it play in modeling cost of funds as rates change.
• Methods for calculating decay rates on non-maturity deposits.
• How segmentation strategies can have a positive effect on pricing betas and decay rates.
Program agenda:
• Significance of core deposit analytics in managing funding costs, assessing values, and feeding key assumptions to your A/L model.
• Best practices approach to deriving pricing betas on CDs and non-maturity deposits
• Best practices approach to deriving decay rates on non-maturity deposits.
• Using tracking systems to provide feedback in improving assumptions.
• Use of marginal cost as a tool in deciding between strategies.
• Role of segmentation strategies in reducing marginal cost and pricing betas.
Farin is able to offer 4 CPE credits per internet connection/paid registration. You must sit through the classes and be an active participant to obtain these credits. They are based on 1 credit per 50 minute increment.
Date/Time: 2-part program on March 19 & 21 at 2:00 p.m. Central Time
Subject: Leadership & Management
Format: Webinar
Economics for Bankers
AUDIENCE: Personnel who have not had a formal course in economics and who wish to increase their understanding of economics as
it relates to banking.
This AIB course explains macroeconomic principles with a focus on how these principles relate to the financial services industry. It will
help students interpret economic news and apply economic principles to their work. Most applications in the text apply to the financial
services industry.
After successfully completing this course, you will be able to:
• Understand the meaning of economic terminology and the discipline of economic reasoning
• Follow economic news and analyze important economic questions
• Locate and obtain economic data and information and apply it to your bank’s needs
• Apply economic principles to important questions in the financial services industry
• Use basic graphing and graph interpretation skills to examine economic questions
• Understand the major economic policy problems faced by government: economic growth, unemployment, inflation, and budget
deficits and debt
• Understand the aggregate demand/aggregate supply model and its importance in examining major economic policy problems
TEXT: Economics: Fundamentals for Financial Services Providers, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Online
Recommended AIB Credits: 1-2-3 Live, 3 Online
Date/Time: 3/19/2012-7/8/2012
Subject: General Banking
Format: Webinar
Law and Banking: Principles without Text
AUDIENCE: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transactions. This AIB course is a foundation on the business law principles underlying banking law as well as a description of the context for and process of creating banking law and regulations. Knowing the basics of business law enables every banker to more easily understand laws pertaining to bank products, services and transactions.
After successfully completing this course, you will be able to:
• Explain the legal and regulatory system by which laws and regulations are made and banks are governed.
• Describe the Uniform Commercial Codes Articles 3, 4, and 9
• Distinguish between civil law and criminal law, torts and crimes
• Explain concepts such as of legal capacity, obligation, authority, responsibility and liability
• Describe legal entities such as sole proprietorships, partnerships, corporations, agents, principals, estates, and more
• Explain the elements, types of, and rules for interpretation of contracts
• Understand real and personal property ownership, ways property is transferred or acquired, major types of property interests, and more
• Describe the UCC Article 3 rules for negotiable instruments, the rules of negotiation and more
• Explain UCC Article 4 requirements for transfer of negotiable instruments, the rules for banks in the collection process,the affect of Check 21, and more
TEXT: Law and Banking, New Edition January 2012, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 3/19/2012-7/8/2012
Subject: Compliance
Format: Webinar
Law and Banking: Principles with Text
AUDIENCE: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transactions. This AIB course is a foundation on the business law principles underlying banking law as well as a description of the context for and process of creating banking law and regulations. Knowing the basics of business law enables every banker to more easily understand laws pertaining to bank products, services and transactions.
After successfully completing this course, you will be able to:
• Explain the legal and regulatory system by which laws and regulations are made and banks are governed.
• Describe the Uniform Commercial Codes Articles 3, 4, and 9
• Distinguish between civil law and criminal law, torts and crimes
• Explain concepts such as of legal capacity, obligation, authority, responsibility and liability
• Describe legal entities such as sole proprietorships, partnerships, corporations, agents, principals, estates, and more
• Explain the elements, types of, and rules for interpretation of contracts
• Understand real and personal property ownership, ways property is transferred or acquired, major types of property interests, and more
• Describe the UCC Article 3 rules for negotiable instruments, the rules of negotiation and more
• Explain UCC Article 4 requirements for transfer of negotiable instruments, the rules for banks in the collection process,the affect of Check 21, and more
TEXT: Law and Banking, New Edition January 2012, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 3/19/2012-7/8/2012
Subject: Compliance
Format: Webinar
Lending: Problem Loan Workouts in Today’s Challenging Market
Course Details & Registration
Location: Various Locations - See Course Details
Date/Time: 3/15/2012, 3/16/2012
Subject: Lending
Format: Live, In-Person
Principles of Banking Accelerated
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 3/12/2012-5/20/2012
Subject: General Banking
Format: Webinar
Managing Interest Rate Risk without Text
Prerequisites: Participants should have an understanding of financial instruments, financial markets, and interest rate mechanics
either through the Analyzing Bank Performance course or experience. This is a difficult course that covers a number of complex
concepts and requires an ability to deal with a variety of mathematical concepts and computations.
AUDIENCE: Individuals involved in asset liability management or line managers making pricing, investment, or funding decisions that
impact interest rate risk.
After successfully completing this course, you will be able to:
• Understand the mechanics of valuing cash flows including duration and price sensitivity
• Identify the determinants of the overall level of interest rates
• Use static GAP and duration GAP analysis to measure interest rate risk
• Assess the impact on interest rate risk of various pricing, investment, and funding decisions
• Use a range of derivatives to manage interest rate risk including futures, forwards, interest rate swaps, caps, floors, and collars
• Apply all of these concepts to the management of interest rate risk in their own institution
TEXT: Bank Management, September 2009 Edition, by Timothy W. Koch and S. Scott MacDonald
Recommended Instructional Hours: 8 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 2
Date/Time: 3/12/2012-5/6/2012
Subject: Bank Financial Management
Format: Webinar
Managing Interest Rate Risk with Text
Prerequisites: Participants should have an understanding of financial instruments, financial markets, and interest rate mechanics
either through the Analyzing Bank Performance course or experience. This is a difficult course that covers a number of complex
concepts and requires an ability to deal with a variety of mathematical concepts and computations.
AUDIENCE: Individuals involved in asset liability management or line managers making pricing, investment, or funding decisions that
impact interest rate risk.
After successfully completing this course, you will be able to:
• Understand the mechanics of valuing cash flows including duration and price sensitivity
• Identify the determinants of the overall level of interest rates
• Use static GAP and duration GAP analysis to measure interest rate risk
• Assess the impact on interest rate risk of various pricing, investment, and funding decisions
• Use a range of derivatives to manage interest rate risk including futures, forwards, interest rate swaps, caps, floors, and collars
• Apply all of these concepts to the management of interest rate risk in their own institution
TEXT: Bank Management, September 2009 Edition, by Timothy W. Koch and S. Scott MacDonald
Recommended Instructional Hours: 8 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 2
Date/Time: 3/12/2012-5/6/2012
Subject: Bank Financial Management
Format: Webinar
2012 Annual Legislative Luncheon
You are invited…
…to promote banks’ interests, and join your Colorado State Legislators and other public officials for an informal luncheon .
We have experienced how anti-banking perceptions have influenced legislation. The very foundation of traditional banking has changed. This is your opportunity to build better relationships between you and your legislators, explain how the legislation they pass impacts your bank and more importantly the community.
Many issues in the 2012 Legislature: Foreclosure – forced modification, mediation, original evidence of debt; Taxation; Identity theft; Lending – small business lending; Trust taxation; Public funds; Employment – hiring practices, workers compensation, discrimination; Pro-business bills– banks have a lot at stake this year.
11:00 to 11:45 a.m. –
Review of current issues and lobbying techniques (Bankers Only)
A key concise meeting so you know the issues to discuss at lunch. Be prepared.
Noon to 1:30 p.m. –
Luncheon (We expect well over half of all legislators to attend.)
$150 Members
$175 Nonmembers
Bankers of Distinction awards will also be given at the luncheon. We need you to nominate a deserving banker(s) for CBA recognition, in our effort to highlight banks’ outstanding community service. The Bankers of Distinction recognition will occur during the Legislative Luncheon. We want to recognize the Bankers of Distinction, so that the public officials come to appreciate bankers’ contributions to their communities. See nomination form below. New this year - $500 will be awarded to the recipient's charity of choice in appreciation of their dedication.
Location: Grand Hyatt Denver - 1750 Welton, Downtown Denver
Date/Time: March 7, 11:00 am to 1:30 pm
Subject: CBA Special Events
Format: Live, In-Person
Law and Banking Applications without Text
AUDIENCE: Personnel who are new to banking or require a refresher course on the legal basis for many banking services and
transactions.
This AIB course reflects the ways that banks do business and how they are affected by laws and regulations — in plain English for the
non-lawyer. It is devoted to the basic laws and banking regulations that govern deposit accounts, lending, real estate lending,
bankruptcy, non-deposit products and services, international banking, marketing, safety and soundness, and information reporting.
After successfully completing this course, you will be able to:
• Discuss laws and regulations pertaining to deposit account relationships such as regulations D, E, Q, CC, and DD
• Explain legal protections afforded to consumers by such laws as Equal Credit Opportunity, Fair Housing, and Truth in Lending,
and more
• Describe key laws affecting real estate transactions such as RESPA and HOEPA, and more
• Describe provisions of bankruptcy law covering liquidation, rehabilitation, and relief, and the 2005 Bankruptcy Abuse
• Prevention and Consumer Protection Act
• Identify major laws and regulations governing bank trust, securities and insurance activities; marketing and international
banking
• Describe major provisions of laws and regulations protecting bank operations such as regulations O and W,
• Explain provisions of laws such as HMDA, Bank Secrecy Act, USA PATRIOT Act, Financial Privacy and OFAC regulations
TEXT: Law and Banking, New Edition January 2012, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 3/5/2012-6/24/2012
Subject: Compliance
Format: Webinar
Principles of Banking
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 3/5/2012-6/24/2012
Subject: General Banking
Format: Webinar
Analyzing Financial Statements
Recommended Prerequisite: Financial Accounting
AUDIENCE: Commercial loan officers, credit analysts and trainees who have a basic knowledge of accounting principles and practices, and a familiarity with the commercial lending process. This AIB course provides the skills needed to effectively assess a borrower’s ability to repay loans. It builds core competencies through instruction and application based on actual small business lending cases.
After successfully completing this course, you will be able to:
• Relate how a company’s type of business, legal structure, size, and management strategies affect the way a lender conducts
financial analysis
• Analyze income statements, balance sheets, and pro forma statements
• Calculate key financial ratios and use them to compare a company’s performance to the company’s industry standards
• Determine when a funds flow statement is required
• Construct and analyze long-run, multiple-year forecasts of income statements and balance sheets
• Construct and interpret a cash budget
TEXT: Analyzing Financial Statements, 2007, ABA
Recommended Instructional Hours: 30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 2-3 Live, 3 Correspondence & Online
Date/Time: 3/5/2012-6/24/2012
Subject: General Banking
Format: Webinar
Introduction to Trust Products and Services
AUDIENCE: Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank
who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better
understanding of their clients’ business needs.
Introduction to Trust Products and Services is a foundational, skill building course for trust professionals. It will help new trust
professionals understand the fundamentals of the business, how a trust works, the types of assets commonly held in a trust and the
basics of estate planning. The course describes the personal trust document and the process by which trust officers establish a trust for
their clients.
After successfully completing this program, you will be able to:
• Determine what an estate is
• Understand the estate planning process
• Explain federal estate taxation
• Distinguish between personal and real property
• Compare forms of property ownership
• List the methods of property transfer
• Contrast the forms of business ownership
• Distinguish types of trusts
• Compare testamentary and living trusts
• Describe the characteristics of a good trustee
• Describe the reasons for creating an irrevocable trust
• Explain the structure of an A/B trust plan
• Recognize the mechanics of an irrevocable life insurance trust
• Contrast the various types of charitable trusts
• Describe the dispositive provisions of a trust before and after the grantor’s demise
• Analyze trustee vacancy and cotrustee considerations
• Understand the execution of a trust and proof of a trust’s existence
• Define and use the terms that appear in bold in the text
TEXT: Trust Basics, 2008, ABA
Recommended Instructional Hours: 5 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 1
Date/Time: 3/5/2012-4/8/2012
Subject: Wealth Management & Trust
Format: Webinar
Introduction to Mortgage Lending
AUDIENCE: Personnel who want a broad overview of mortgage lending, including those who intend to pursue a career in mortgage lending (business development, underwriting, processing), and those individuals who recently joined a mortgage lending department.
This AIB course introduces students who are new to the mortgage lending process, and discusses loans to individuals for the purchase of a residence, loans for apartment buildings and loans for real estate developers and builders. It covers construction and permanent financing for residential property; real estate law; documentation; mortgage market; the role of government in mortgage lending; and residential real estate as an investment. The discussion of underwriting, processing, and servicing will give participants a framework for learning the mortgage lending business and refining their existing knowledge. In addition, the coverage of laws and regulations affecting mortgage lending provides an understanding of the role of compliance in the mortgage lending business.
After successfully completing this course, you will be able to:
• Know why mortgage lending has become so important for financial services companies
• Understand the legal aspects of mortgage lending and how lenders should document mortgage loans
• How a lender determines if a mortgage loan application should be approved.
• Understand the advantages and disadvantages of residential real estate as an investment
TEXT: Introduction to Mortgage Lending, 2006, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 3/5/2012-6/24/2012
Subject: Lending
Format: Webinar
Law and Banking: Applications with Text
AUDIENCE: Personnel who are new to banking or require a refresher course on the legal basis for many banking services and transactions. This AIB course reflects the ways that banks do business and how they are affected by laws and regulations — in plain English for the non-lawyer. It is devoted to the basic laws and banking regulations that govern deposit accounts, lending, real estate lending, bankruptcy, non-deposit products and services, international banking, marketing, safety and soundness, and information reporting.
After successfully completing this course, you will be able to:
• Discuss laws and regulations pertaining to deposit account relationships such as regulations D, E, Q, CC, and DD
• Explain legal protections afforded to consumers by such laws as Equal Credit Opportunity, Fair Housing, and Truth in
• Lending, and more
• Describe key laws affecting real estate transactions such as RESPA and HOEPA, and more
• Describe provisions of bankruptcy law covering liquidation, rehabilitation, and relief, and the 2005 Bankruptcy Abuse
• Prevention and Consumer Protection Act
• Identify major laws and regulations governing bank trust, securities and insurance activities; marketing and international banking
• Describe major provisions of laws and regulations protecting bank operations such as regulations O and W,
• Explain provisions of laws such as HMDA, Bank Secrecy Act, USA PATRIOT Act, Financial Privacy and OFAC regulations
TEXT: Law and Banking, New Edition January 2012, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 3/5/2012-6/24/2012
Subject: Compliance
Format: Webinar
The Risks of Corporate Account Takeover
Commercial account takeover occurs when cyber-thieves gain control of a commercial account by stealing the business’ valid online banking credentials. The most common way that theses cyber-thieves gain access is by utilizing malware, commonly distributed via e-mail links, phishing scams, social networking sites and malicious websites.
The FBI says it has investigated more than 200 cases in which cyber-thieves perpetrated fraudulent transfers totaling about $100 million – and successfully made off with $40 million. Cyber-thieves target commercial accounts mainly because of the lucrative ACH and wire transfer capabilities that are not yet widely available for personal accounts, as well as the weakness of security procedures in place to protect commercial accounts.
This important seminar will address the following steps your institution can take to help prevent corporate account takeover:
Establish a commercial account risk management program
Perform a risk assessment on medium and high-risk commercial accounts
Perform an annual review of the funds transfer program, remote deposit capture program and other commercial online banking services
Target Audience: CEOs, head of operations, IT personnel, information security officer, members of the IT committee, commercial account personnel, risk managers, board of directors
Date/Time: Wed Feb 29, 2012, 2:00 PM, USA Central
Subject: Leadership & Management
Format: Webinar
Troubled Assets - Workouts and Sales
Sometimes a daily workout just isn't enough. This webinar will discuss a powerful and immediate alternative to the workout process, focusing not only on bulk asset transfers but also on one-off loan sales to third-party investors, borrowers, guarantors, and other financial institutions. Because of their low transaction costs and limited risk, loan sales have been used frequently in the past three years to transfer large amounts of performing and non-performing assets off the balance sheet. Although we will address bulk transfers, this webinar will focus using a loan sale in connection with workout negotiations or refinancing discussions. The presenters also will address corporate, regulatory and tax concerns related to loan sales.
Target Audience: Commercial loan officers, senior managers
Date/Time: Wed Feb 29, 2012, 10:00 AM, USA Central
Subject: Lending
Format: Webinar
IRA Online Institute
AUDIENCE: Retail and Trust personnel who sell and administer IRA products.
The IRA Online Institute provides comprehensive training on all aspects of IRAs. It covers both traditional and Roth IRA as well as
Employer Plans (SEP SIMPLE).
After successfully completing this course, you will be able to:
• Administer both traditional and Roth IRAs and SEP and SIMPLE plans.
• Identify eligibility and set-up requirements for all of these plans
• Administer contributions consistent with contribution limits
• Manage rollovers and transfers
• Administer distributions and required minimum distributions
• Describe beneficiary options and facilitate beneficiary transactions
• Manage error resolution, penalties, and reporting on these accounts
• Identify key elements of successful IRA marketing effort
TEXT: All reading materials are provided online. Content and instructor are provided by Ascensus Retirement Services and is the
same content used in the Ascensus IRA Institute.
Recommended Instructional Hours: 12 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 2
Date/Time: 2/27/2012-5/20/2012
Subject: Wealth Management & Trust
Format: Webinar
Consumer Lending
AUDIENCE: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit.
This AIB course introduces students to the consumer lending process, its importance to the bank and consumers, and the environment
in which it functions. 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.
The course explores what is involved in a credit investigation, decision making, loan pricing and loan policy.
After successfully completing this course, you will be able to:
• Describe key laws and regulations affecting consumer lending
• List characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products
• Explain how effective marketing can increase loan outstandings and application volume
• Describe consumer loan information sources and the credit verification process
• Explain how the five C’s of credit are used in credit evaluation and decision-making
• Identify types of consumer loan documents and describe their purpose
• Discuss causes of consumer loan delinquencies and collection stages and remedies
TEXT: Consumer Lending, 2009, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 2/27/2012-6/17/2012
Subject: Retail Banking
Format: Webinar
Supervisory Skills Workshop
Course Details & Registration
Location: Sterner Training Center, 1009 Grant Street
Date/Time: 2/23/2012, 3/8/2012, 4/5/2012, 5/3/2012
Subject: Leadership & Management
Format: Live, In-Person
Financial Analysis Toolkit Part 2 - Federal Tax Return Analysis
Tax returns can be a significant source of helpful information once the format, content and purpose of the many forms and schedules are understood. This fast-paced seminar will help both consumer and commercial lenders better understand and use personal and business tax return information to make better, more confident loan decisions. This program will improve your ability to evaluate cash flow and more fully understand the financial strength of an individual or company. The information presented will also help you improve customer service, protect the bank and enhance career development.
Date/Time: 02/22/2012
Subject: Lending
Format: Webinar
Regulator Implications of the FFIEC Issued Guidance
In 2005, the FFIEC issued guidance entitled, “Authentication in an Internet Banking Environment”. This FFIEC guidance supplements the FDIC’s supervisory expectations regarding customer authentication, layered security and other controls in an increasingly hostile online environment. The FDIC expects institutions to upgrade their controls for high-risk online transactions through: yearly risk assessments, layered security controls and more active customer awareness and education efforts. A yearly risk assessment should be performed and adjust the authentication controls in response to new threats to customers’ online accounts. Layered security controls should include processes to detect and respond to suspicious or anomalous activity and, for business accounts, administrative controls. Certain types of device identification and challenge questions should NO longer be considered effective controls.
Highlights of the program:
Financial institutions will be expected to comply with this guidance no later than January 1, 2012
Identify and assess “high-risk transactions”
Discuss actual incidents of security breaches, identity theft or fraud
New customer functionality that can increase risk
How important is customer education?
Asking a series of challenge questions is not an effective risk mitigation technique – now what?
Target Audience: CEOs, head of operations, IT personnel, information security officers, members of the IT committee, risk managers, board of directors
Date/Time: Tue Feb 21, 2012, 2:00 PM, USA Central
Subject: Compliance
Format: Webinar
Keys to Understanding Personal and Global Cash Flow from Tax Returns
This seminar is designed to strengthen your ability to analyze personal financial statements and tax returns within a simple, logical and consistent framework. It provides the tools needed to reduce voluminous amounts of personal financial information into a concise, relevant picture of cash flow, both for personal situations and where global cash flow is appropriate (small business, self-employed and smaller real estate investors).
Participants will learn:
The limitations of personal financial statements and why more information is needed
Why personal tax returns can be difficult to analyze and how to target relevant information consistently
Review the concepts of adjusted net worth and outside net worth
Understand the spectrum of situations and linking sources and types of income to the primary tax return schedules
A simple cash flow approach using worksheets and cases
The concept of global cash flow and its pros and cons plus analytical issues
Recent tax law changes and likely affect on customers’ tax returns
How to uncover cross-selling
Target Audience: Branch managers, consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers
Date/Time: 4-part program starts February 21 at 1:00 p.m. Central
Subject: None
Format: Webinar
Commercial Real Estate Appraisals: Reviewing and Interpreting
An important part of the commercial real estate (CRE) lending process is the review and interpretation of the property appraisal. This program covers the major issues of the entire appraisal process, from selecting and engaging a qualified appraiser to reviewing the report for integration into the overall credit analysis. Fundamental principles and features of appraisals are covered, as well as the primary analytical techniques such as net operating income (NOI) and discounted cash flow for land acquisition and development (A&D) loans.
Specific subjects that will be covered during the seminar include:
Why you should want to review appraisals (beyond just satisfying regulatory requirements)
Types or levels of reviews: Administrative/compliance, technical and third party
Practical suggestions for setting loan-size limits to trigger the levels of review
Administrative/compliance reviews: FIRREA and other regulatory issues, full and partial exemptions, and a sample checklist
Technical reviews: Appraiser independence and competence, types of reports by format, the old definitions of “complete” and “limited” and how the new Scope of Work Rule will affect report, details on the approaches to value (cost, income and market sales), plus a sample worksheet
Third party review by appraisers: How appraisers are regulated via USPAP, using USPAP Standard 3 to get a third party review done and example results
Guidelines for evaluations in lieu of full appraisals
Guidelines for reviewing, validating and using existing appraisals
Target Audience: Consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers
Date/Time: 4-part program starts February 21 at 10:30 a.m. Central
Subject: Lending
Format: Webinar
Commercial Real Estate Cash Flow: Analyzing Income-Producing or Rental Real Estate, Plus Global Cash
Given the strength of the commercial real estate markets earlier this decade, many borrowers still have large holdings of income-producing or rental real estate on their balance sheets. Whether directly financing these assets or including the income stream(s) in your overall credit analysis, it is important to understand key analytical concepts in evaluating commercial real estate cash flow. This program demonstrates (from case studies) the key variables and concepts for determining real estate cash flow, plus primary analytical techniques such as stress-testing and compiling a global cash flow that includes all of the holding of the investor/owner/guarantor. It also explores where to find information from existing sources, such as tax returns, and what additional information may be needed, such as customer rent rolls.
Specific subjects that will be covered during the seminar include:
Net operating income (NOI) concepts
Understanding key variables: vacancy, management fees and replacement reserves
Using tax returns and customer rent rolls
Unique characteristics of the major types of real estate
Stress-testing of debt service coverage (DSC) by determining break-even vacancy and interest rate
How to use a simple worksheet to explore the major issues, including stress-testing
Expanding to a global analysis of the various holdings of the owner/investor/guarantor
Review of current environmental and appraisal issues
Using your analysis to validate existing or older appraisals, with a suggested format for documenting your conclusions
Target Audience: Consumer lenders, mortgage bankers, private bankers, small business lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers
Date/Time: 4-part program starts February 21 at 8:30 a.m. Central
Subject: Lending
Format: Webinar
Checks & Holds for Tellers: Part 2
One of your institution's primary defenses against check fraud is its funds availability policy; i.e. the holds you place on deposited items. This seminar focuses on Regulation CC, the federal regulation that addresses funds availability requirements. It covers situations that bank's face each day and reflects the changes made through the recent consolidation of the check processing regions. The program focuses on the distribution of required disclosures, calculation of hold periods and the completion of hold notices. This webinar can pay for itself the next day by avoiding a loss on a bad check or regulatory criticisms for illegal holds. Regulation CC is one of the few federal regulations incorporating a specific training requirement - the absence of training can be cited as a separate violation.
Date/Time: 02/21/2012
Subject: General Banking
Format: Webinar
Principles of Banking
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the
fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes
in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the
foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 2/21/2012-6/10/2012
Subject: General Banking
Format: Webinar
Managing the Bank’s Investment Portfolio without Text
Prerequisites: Participants will need to have access to the individuals who manage their bank’s investment portfolio and the information they use in this process. Participants should also have a basic familiarity with financial markets and financial instruments. This class uses a number of mathematical concepts and calculations to manage the investment portfolio.
AUDIENCE: This course is designed for individuals involved in managing the bank’s investment portfolio.
After successfully completing this course, you will be able to:
• Identify the key characteristics of common investment instruments
• Calculate the yield on those instruments
• Describe regulatory and accounting restrictions on the bank’s investment portfolio
• Identify all of the elements that should be included in the bank’s investment policy and formulate such a policy
• Compare the benefits and risk of various investment strategies
• Evaluate the comparative return of taxable and tax-exempt securities
• Evaluate total return and option-adjusted spreads on instruments with prepayment risk
TEXT: Bank Management, September 2009 Edition, by Timothy W. Koch and S. Scott MacDonald
Recommended Instructional Hours: 6 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 1
Date/Time: 2/21/2012-4/1/2012
Subject: Bank Financial Management
Format: Webinar
Managing the Bank’s Investment Portfolio with Text
Prerequisites: Participants will need to have access to the individuals who manage their bank’s investment portfolio and the information they use in this process. Participants should also have a basic familiarity with financial markets and financial instruments.
This class uses a number of mathematical concepts and calculations to manage the investment portfolio.
AUDIENCE: This course is designed for individuals involved in managing the bank’s investment portfolio.
After successfully completing this course, you will be able to:
• Identify the key characteristics of common investment instruments
• Calculate the yield on those instruments
• Describe regulatory and accounting restrictions on the bank’s investment portfolio
• Identify all of the elements that should be included in the bank’s investment policy and formulate such a policy
• Compare the benefits and risk of various investment strategies
• Evaluate the comparative return of taxable and tax-exempt securities
• Evaluate total return and option-adjusted spreads on instruments with prepayment risk
TEXT: Bank Management, September 2009 Edition, by Timothy W. Koch and S. Scott MacDonald
Recommended Instructional Hours: 6 Weeks Delivery Methods Available: Online
Recommended AIB Credits: 1
Date/Time: 2/21/2012-4/1/2012
Subject: Bank Financial Management
Format: Webinar
General Accounting
AUDIENCE: Individuals with little or no accounting background.
This AIB course provides a complete foundation in basic accounting procedures in a practical, up-to-date, and easy-to-comprehend
manner. The goal is to provide students with a strong basic knowledge of accounting terms, concepts, and procedures. Emphasis is
placed on developing a firm foundation of fundamental procedures with appropriate repetition of content through the use of examples
and color-coded illustrations.
After successfully completing this course, you will be able to:
• Understand the basic accounting cycle and define the basic elements used such as asset, liability, owner’s equity, revenue,
and expense accounts
• List the steps in the accounting cycle and prepare a post-closing trial balance and interim statements
• Understand and perform functions relative to bank accounts and cash funds
• Understand the implications of dealing with employee earnings and deductions, and with employee taxes, payments, and
reports
• Prepare a classified income statement and balance sheet, compute working capital and current ratio, and journalize closing
entries for a business
TEXT: College Accounting, 9th edition, 2008, Houghton Mifflin Company
Recommended Instructional Hours: 45 Live, 16 Weeks Online Delivery Methods Available: Live, Online
Recommended AIB Credit: 3
Date/Time: 2/21/2012-6/17/2012
Subject: General Banking
Format: Webinar
Financial Analysis Toolkit Part 1 - Personal Financial Statement Analysis
The foundation of this concise, fast-paced seminar is based on the fact that loans to individuals should not be collateral-based decisions.
Date/Time: 02/16/2012
Subject: Lending
Format: Webinar
Five Steps to a Successful IT Risk Assessment
Security breaches are on the rise as cyber-criminals look to steal your customer and financial information. Gramm-Leach-Bliley requires you to have a comprehensive IT Risk Assessment to evaluate your information security risks to determine appropriate safeguards to mitigate risk to an acceptable level. This webinar will demonstrate a step-by-step process to complete an IT risk assessment that safeguards your bank’s sensitive customer and financial information (as well as meets the requirements of the state and federal regulators). Some of the issues are: How do I make decisions from the risk assessment process? How does the risk assessment help you make good decisions on security countermeasures? How does a risk assessment drive value to the bottom line? Will the risk assessment pass the regulators review?
Many components of your information security program need to be risk based, including your I.T. audit, your business continuity program, and your security awareness program. This webinar will provide specific examples of how to use your I.T. risk assessment results to drive these other three important programs. After attending this webinar, you will be amazed at how easy this potentially complicated and time-consuming task becomes. If you have attended other IT Risk Assessment workshops, this one is unique and sure to provide value to your bank.
Topics to be covered include:
Risk assessment regulatory requirements review
Repeatable risk assessment process
Traditional way of completing a risk assessment
Emerging processes to complete a risk assessment
Tools to facilitate your risk assessment
Target Audience: CEOs, head of operations, risk officer, IT personnel, information security officer, members of the IT committee, Board of Directors
Date/Time: Wed Feb 15, 2012, 2:00 PM, USA Central
Subject: Leadership & Management
Format: Webinar
Defining Leadership Development and Its Role in Community Banking
What is Leadership? Why is it important? What tools are available to help bankers become leaders in their organizations? This program will take the subject and transform it into a set of tools that practicing professionals can use to further develop human capital.
First objective of the program is to define and discuss the complications of leadership. Human relationships are complex, tangled, messy, and challenging - but optimizing and efficiently using those relationships and creating learning and innovate environments are critical to an organizations success. Shaping these systems and building on the relationships (the leadership process) creates organizations that are more stable, sustainable, and successful.
Second objective of this series is to “frame the process of leadership” – the interaction between the leader, follower and the environment – around Community Banking. The purpose is to help you start developing a mental model of industry drivers that shape and guide your organizations unique leadership development needs and program.
The third objective of the two sessions is to introduce attendees to leadership development “tools” and conceptual thoughts on integrating this training into your banks development process. These tools and strategies can be used to guide, organize, educate and train employees on the process of leadership and help your organization build a long term sustainable and measurable leadership development program.
At the end of the seminar you will be able to take this information, combine it with the unique set of conditions that are driving your bank and begin to set a path that makes sense for your business.
Target Audience: CEOS, senior management, HR managers and anyone that has a desire to learn how to develop leadership in their organization.
Date/Time: Feburary 15 and 22 at 10:00 AM Central Time
Subject: Leadership & Management
Format: Webinar
Advanced Collection Techniques
In today’s economy, a banker’s collection tools are vital! This seminar covers the advanced skills required for a Top Collector including management and technical skills. Additionally, the X, Y, and Z management styles are outlined along with other human factors which impact a banker’s ability to manage the credit process including the collection of cash. The seminar will also review the necessity of complying with banking regulations when collecting cash and developing strong negotiation skills as part of the collection function. The program will conclude with some real-life collection scenarios and include a set of rules for survival for these troubled times.
Topics to be covered include:
Required skills for a top collector
X, Y, Z management styles
Human factors in collections
Banking regulations & collections
Negotiation skill building
Real-life collection scenarios
Rules for survival
Target Audience: Commercial lenders, credit analysts, senior bank managers, branch managers, assistant branch managers, private bankers, and business development officers
Date/Time: Tue Feb 14, 2012, 10:30 AM, USA Central
Subject: Retail Banking
Format: Webinar
Principles of Banking Accelerated
AUDIENCE: Personnel new to banking, at any level.
This AIB course is the standard introduction to the banking profession. It touches on nearly every aspect of banking, from the
fundamentals of negotiable instruments to contemporary issues and developments within the industry. This course addresses changes
in the areas of servicing clients, emerging technology, and expanded banking powers and markets. Principles of Banking is the
foundation for all AIB training.
After successfully completing this course, you will be able to:
• Discuss the relationship banks have with their customers and their communities
• Describe the creation of the Federal Reserve System and its role as agent and bank regulator
• Discuss various deposit instruments and regulations
• Define and describe negotiable instruments
• Explain how banks post checks to accounts
• Discuss bank lending and identify basic loan categories
• Explain the objectives of funds management, including asset/liability management and bank investments
• Describe non-deposit services such as trust, investments and insurance
• Discuss bank security measures
TEXT: Principles of Banking 10th edition, 2010, ABA
Recommended Instructional Hours: 15-30-45 Live, 10-16 Weeks Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence, 2-3 Online Delivery Methods Available: Live, Correspondence, Online
Date/Time: 2/14/2012-4/22/2012
Subject: General Banking
Format: Webinar
Supervisor Certificate
The AIB Supervisor Certificate prepares new and potential supervisors for their emerging responsibilities with a combination of
leadership and managerial skills and by offering fresh insights on proven supervisory approaches.
The courses in the program explore ways to interview, evaluate and select employees, while being mindful of legal considerations. The
performance management process is reviewed in detail, with special attention placed on coaching, rewards and recognition, and
corrective action. Managing employee relations is addressed through four major strategies: compliance with laws, managing diversity,
handling work and personal issues, and fostering open communication among staff members. In addition, the certificate program
includes a component on ethical practices in banking.
All individual courses listed below must be successfully completed in order to earn the AIB Supervisor Certificate OR by taking the
instructor-led AIB online course plus AIB Banking Today OR it can be taken entirely online as a self-paced (eLearning) certificate
curriculum:
• Coaching for Success
• Corrective Action
• Ethical Issues for Bankers
• Hiring the Best
• Managing Employee Relations
• Performance Management
• Rewards & Recognition
TEXT: All reading materials are provided online.
Recommended Instructional Hours: 16 Weeks Online Delivery Methods Available: eLearning, Online
Recommended AIB Credits: 2.75 eLearning, 3.25 Online
Date/Time: 2/14/2012-6/3/2012
Subject: Leadership & Management
Format: Webinar
Marketing Financial Services
AUDIENCE: Entry to mid-level bank marketers and all bank personnel responsible for conceiving or carrying our any phase of a bank’s
marketing efforts. Management trainees and senior management in a community bank.
This AIB course provides a thorough immersion in marketing concepts and activities involved in specifically marketing financial
services. It takes a marketer from the basics of marketing through the steps necessary to integrate and grow marketing at their
institution: developing a marketing plan, sales and sales management, communications and public relations. This course is full of case
studies and provides a tool kit of items to help integrate the ideas and concepts into the bank.
After successfully completing this course, you will be able to:
• Recognize consumer motivation and buying behavior
• Integrate public relations, advertising, sales promotion, selling, and service distribution functions in your bank’s overall
marketing plan
• Conduct situation analysis and formulate a master marketing strategy
• Monitor and evaluate performance
TEXT: Marketing Financial Services, 2009, ABA
Recommended Instructional Hours: 15-30-45 Live, 16 Weeks Online Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credits: 1-2-3 Live, 3 Correspondence & Online
Date/Time: 2/14/2012-6/3/2012
Subject: Marketing & Sales
Format: Webinar
Money and Banking
AUDIENCE: Management trainees and other personnel of banks or service providers to the banking industry.
This AIB course presents essential information on how money functions in the United States and in the world and the role of banks. The
course reviews concepts such as money supply, money creation, the tenants of monetary theory, and performance measures in the
economy. The U.S. payments system, bank products, and bank services are discussed. The function and relationship of monetary and
fiscal policies are explored. The role of the Federal Reserve, as the nation’s Central bank, is explained. The course also covers other
important knowledge areas such as the foreign use of U.S. currency, the effect of electronic payment devices, such as debit cards, on
domestic payments, anti-counterfeit measures, and more.
After successfully completing this course, you will be able to:
• Explain the basic functions and history of money in the world’s economy
• Describe the role of savings and lending in the U.S. economy
• Summarize how banks create money through lending
• Discuss banks as business firms
• Identify the tools of monetary and fiscal policy
• Explain bank operations and the U.S. payments system
• Identify various institutions in the financial marketplace
• Discuss the major banking regulators, laws, and regulations.
TEXT: Money & Banking, 2008, ABA
Recommended Instructional Hours: 15-30-45 Delivery Methods Available: Live, Correspondence, Online
Recommended AIB Credit: 1-2-3
Date/Time: 2/14/2012-6/3/2012
Subject: General Banking
Format: Webinar
ALCO Foundations: Understanding its Risk Management Role
Price: $295
Presenter: Dave Koch
Audience: New ALCO members, those on the ALCO with limited financial background, and board members are invited to attend as well as those looking for a review of the underlying process of interest rate risk management.
Is your ALCO truly aware of the myriad responsibilities it faces in managing an institution’s risk positions Do they have the tools necessary to do their job adequately? Are they comfortable “balancing” your institution’s often competing financial goals? This program will address these and other questions so important to both your ALCO members and others involved with the day to day management, or oversight, of your ALM and interest rate risk management processes.
We will examine the risk measurement systems used in institutions today and illustrate the importance of balanced strategic financial goals to the overall ALCO risk management process. We’ll explore the establishment of a strategy that is intended to integrate ALCO’s processes and decisions into your institution’s budget and planning processes.
You’ll also learn the key components of an effective interest rate risk management process, the importance of understanding the role of core deposits in that process, and how to calculate and implement balanced financial goals involving ROE, ROA, capital and assets. Lastly, we’ll provide insights on the effective composition and management of ALCO. Participants will:
• Analyze the five key risk areas ALCO must manage
• Understand the most significant components of measuring interest rate risk
• Define and explore core deposits and their impact on effective risk management
• Calculate balanced ALCO goals for ROE, ROA and capital/assets
• Review an effective ALCO composition and agenda
Farin is able to offer 2 CPE credits per internet connection/paid registration. You must sit through the classes and be an active participant to obtain these credits. They are based on 1 credit per 50 minute increment.
Date/Time: February 13 at 2:00 p.m. Central
Subject: Leadership & Management
Format: Webinar
Lending: Analyzing Business Tax Returns
The only reliable financial information available from many businesses, expecially small businesses, is contained in tax returns. Get educated in the ways in which business tax returns are both similar to and differ from conventional financail statements.
Location: Cheyenne, Wyoming
Date/Time: 5/24/11, 9 a.m. to 4 p.m.
Subject: Lending
Format: Live, In-Person
Government Affairs Committee Meeting
Government Affairs Committee: determines CBA’s positions and actions on legislative, regulatory and political matters, including litigation. Participants should have an interest in politics and be in mid- to senior-level management. Utilizes Legislative Review Subcommittee, Regulatory Review Subcommittee, PAC, and other task forces as necessary
If you are interested in joining this committe, please contact Lexie at .(JavaScript must be enabled to view this email address)
Date/Time: 11/3/2010 2:00 - 3:00 pm
Subject: CBA Special Events
Format: Teleconference
Proposed Regulations on Garnishments and Exempt Funds
Several federal agencies have proposed a regulation that would require banks to research customer accounts before processing a garnishment. This webinar outlines the proposal and its possible effects.
Several federal agencies have proposed a regulation that would require banks to research customer accounts before processing a garnishment. This webinar outlines the proposal and its possible effects.
Under federal law, certain federal payments to individuals are exempt from levy, garnishment, or attachment. However, under state law, banks are often required to freeze accounts in response to a court order. Generally, neither the creditor nor the court knows whether the 's account contains federal benefit payments. Historically, the banks' perspective has been that it is up to customers to assert any defense they may have that their funds are not subject to levy; banks normally do not review prior deposits to determine the presence of exempt funds before implementing a court ordered freeze unless required by state law.
Why Participate?
If finalized, this proposal will require the bank to perform a "lookback" and to calculate a "protected amount" which shall be exempt from the court ordered freeze. Banks will be required to implement new research processes to identify accounts receiving federal payments and determine whether they are exempt. The changes will be significant and will require as much advance preparation as possible. The program is about the proposed regulation, not third party claims in general.
Highlights
- The "Interagency Guidance" proposed in 2007
- Payments exempt from third party claims
- Handling payments deposited via ACH vs. by check
- Identifying exempt payments by ACH batch header fields
- Handling commingled funds; i.e. combined deposits of exempt and non exempt items
- Determining the "protected amount"
- Fee prohibitions
- Required notice to account holder
- Deference to more protective state laws
- Safe harbor for compliance with federal regulation when in conflict with state requirements
- What to do when the U.S. has obtained the garnishment order
- Enforcement by the federal functional regulatory agencies
Presenter
Ken Golliher is a principal with Pegasus Educational Services, LLC. Prior to becoming a full time trainer, he was a community banker and then General Counsel for a regional consulting firm for financial institutions. He presents schools and seminars in over 25 states and has served on Compliance Schools sponsored by the OTS and the FDIC.
Audience
Personnel responsible for designing and implementing procedures for processing third party claims against customer funds and bank compliance officers. Attendees should have thorough knowledge of their state's laws and terminology regarding the processing of third party claims. This program does not encompass the laws of any particular state; questions regarding state law are not addressed.
To register, click on the link below
Date/Time: 9/9/2010 12:30-2:30 pm
Subject: Compliance
Format: Webinar
Government Affairs Committee Meeting
Government Affairs Committee: determines CBA’s positions and actions on legislative, regulatory and political matters, including litigation. Participants should have an interest in politics and be in mid- to senior-level management. Utilizes Legislative Review Subcommittee, Regulatory Review Subcommittee, PAC, and other task forces as necessary
If you are interested in joining this committe, please contact Lexie at .(JavaScript must be enabled to view this email address)
Date/Time: 9/1/2010 2:00 - 3:00 pm
Subject: CBA Special Events
Format: Teleconference
Small Business Lending Workshop
Hosted by Congressman Jared Polis
LEARN FROM THE EXPERTS!
- Meet one on one with representatives from banks to discuss lending opportunities
- Learn about small business lending in challenging economic times
- Learn about resources available to small business owners
- Network with representatives from banks, state and federal government, and private organizations that are experts in the field
Participating Organizations:
- BBVA Compass
- Adams State Bank
- Small Business Administration
- Colorado Enterprise Fund
- Small Business Development Centers
- Mountain View Bank of Commerce
- More to come...
Location: Front Range Community College Rocky Mountain Room 3545 West 112th Ave. Westminster, CO 80031
Date/Time: 8/27/10 8:30 am - 12:00 pm
Subject: Lending
Format: Live, In-Person
Auditing for Internal Fraud
Although external fraud is widespread in the banking industry, internal fraud from employees and insiders is also a major concern. This seminar provides internal auditors with a variety of methods for detecting and preventing internal fraud.
Companies with 100 or fewer employees are the most vulnerable to internal fraud. The medial loss per fraud incident is $200,000. Even though banking is a highly regulated and audited industry, banks are not exempt.
Fraud usually results from a combination of risk factors:
- Opportunity - increased when security over assets is lessened
- Pressure - increased by job-related or personal issues
- Attitude - affected by the tone set by top management or the pervasive culture of the organization
However, employees are not tempted if situations are well controlled. This seminar has been developed to provide bank internal auditors with a variety of methods for detecting and preventing internal fraud.
Highlights
- What is the auditor’s role in detecting internal fraud?
- Planning
- Auditing
- Reporting
- How to protect against internal fraud?
- Common weaknesses
- Think like a crook
- Typical schemes
- How to detect internal fraud?
- Auditing assets
- Auditing liabilities
- Auditing income & expenses
- Auditing off balance sheet items
Audience
Internal auditors and bank audit committee members.
CE Applied: 2.5 hrs. CRCM/CFSSP w/the Institute of Certified Bankers
CE Awarded: 2 hrs. w/the Texas State Board of Public Accountancy
Presenter
Mark Harren, CPA, is a partner in the Financial Institution Services division of Pattillo, Brown & Hill, L.L.P. He has over 31 years experience in banking and financial services as a credit analyst, loan officer and supervisor of staff, including 4 years as a partner and manager with PH&B. Mark has 13 years experience in banking and thrift institutions, 11 years in asset servicing for a financial services company and 8 years in public accounting. He has conducted internal and compliance training for state and national banks. He is also a core faculty member, facilitator and developer of the Texas Bankers Association Internal Audit School.
To register, click on the link below
Date/Time: 8/26/2010 12:30-2:30 pm
Subject: Compliance
Format: Webinar
