Calendar

Oct
22
Mon
2018 Commercial & Consumer Lending Credit Training
Oct 22 @ 8:30 am – 4:30 pm

Monday October 22, 2018
Central Penn College
600 Valley Road, Summerdale, PA

 

AGENDA

SESSION A: Consumer Lending

The focus of this course will be the activities associated with processing a consumer lending request and the elements that go into a consumer lending decision. Attention must be paid to staying in compliance with some of the major consumer lending regulations.

The course will discuss:

  • An overview of the major regulations and how they affect every aspect of the
  • Taking the consumer loan application
  • Evaluating the key elements of a consumer lending

SESSION A: AGENDA

 8:30 a.m. Consumer Regulation and the loan application

  • Regulations: CRA, B, Z, HMDA, Bank Secrecy, Flood Disaster, RESPA

 Application review

  • What is acceptable and unacceptable identification?
  • What are the sections of the application, how are they used and why each is

   Key elements in the credit decision

  • Employment and residence
  • Credit bureau reports
  • Debt to income ratio
  • Credit score

 10:15  a.m. Break

10:30 a.m. Program Continues

  • Analyzing the 1040
  • Personal financial statements
  • Making the decision

12:00 p.m. – Luncheon

 

SESSION B: COMMERCIAL  LENDING

 The focus of this course will be the activities associated with Qualitative and Quantitative Analysis when meeting with a commercial borrower. The course will discuss:

  • Commercial banking and commercial credit including the operating environment, industry, business and management risk
  • Financial analysis including cash flow drivers, ratio analysis, cash flow analysis and loan structuring

SESSION B: Agenda

 12:00 p.m. Luncheon/Registration

1:00 p.m.   Overview of Commercial Lending Decision Process

1:30 p.m.  Analyzing, Industry, Business and Management Risk

 2:15 p.m.  Evaluating the Cash Flow Drivers

 3:00 p.m. Break

 3:15 p.m.  Understanding Why Companies Borrow and How They Repay

 3:30 p.m. Cash Flow and Loan Structuring

 4:00 p.m. Making the decision

 

OUR PRESENTER

THOMAS P. CARLIN is Managing Partner of eensight and specializes in customized training programs for the financial services industry. An authority on credit risk, Mr. Carlin has worked with major banks over more than two decades, designing and teaching credit related topics including: accounting for bankers, financial statement analysis, cash flow analysis, loan structuring and consumer lending. His audiences include recent graduates going through the organization’s basic credit training program to branch bankers who need to combine credit and sales training to middle market lenders with many years of experience.

He is the author of “Analyzing Financial Statements” published by The American Bankers Association. He also is the author of “A Guide to Consumer Lending” published by Robert Morris Associates.

Prior to his training career, Mr. Carlin was a Regional Director for Omega Performance Corporation. He was responsible for marketing Omega products to major clients in the Northeast. In this role, he also had the opportunity to teach credit workshops for Omega at major New York banks including Chase Manhattan Bank and Citibank.

He also served as Vice President with Bankers Trust in New York. He was responsible for marketing credit and trade finance products to corporate clients and correspondent banks worldwide.

Mr. Carlin’s career also includes working for First Pennsylvania Bank in Philadelphia, where he managed a $50 million loan portfolio. His responsibilities included preparing country reviews, emphasizing the political and economic information which impacted investment decisions, preparing and analyzing credit facilities, and working with the syndications unit to evaluate deals and present recommendations to senior management.

Mr. Carlin has a Masters of International Management degree from The Thunderbird School of Global Management and a Bachelor of Arts Degree from Villanova University.

CONTINUING EDUCATION CREDIT

Attendees of this seminar are eligible for CPE and CCL Credits as follows:
Morning Session         3 Hours
Afternoon Session       3 hours
Entire Day                     6 hours

 LODGING

PACB has a corporate rate at the Radisson Hotel Harrisburg, 150 Camp Hill Bypass, Camp Hill, PA.  Please contact the hotel directly at 717-762-7117 for reservations.   Please mention the PA Association of Community Bankers to secure the special rate.  The Hotel is just minutes from Central Penn College.

Oct
23
Tue
Roles, Responsibilities & Liabilities of Community Bank Directors
Oct 23 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Roles, Responsibilities & Liabilities of Community Bank Directors
Presenter: Jeffrey C. Gerrish – Gerrish Smith Tuck, PC

Oct
24
Wed
FDIC Directors/Trustees College
Oct 24 all-day

Wednesday, October 24, 2018
DoubleTree Monroeville
101 Mall Blvd, Monroeville, PA.

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


SEMINAR AGENDA

8:15am: Registration/Continental Breakfast
8:45am: Welcome/Opening Remarks
8:55am: Agenda Overview, FDIC Facilitator
9:00am: FDIC Opening Remarks
9:15am: Breakout Module #1
10:15am: Refreshment Break
10:30am: Breakout Module #2
11:30am: Case Study, FDIC Facilitator
12:30pm: Networking Luncheon & Economic Update
1:30pm: Adjournment


 

PROGRAM OVERVIEW

PACB is excited to once again work with the Federal Deposit Insurance Corporation (FDIC) to provide the Directors and Trustees College. The format for 2018 includes breakout modules, and a large-group case study. The program will conclude with a luncheon and economic update. This session is designed to provide continuing education to bank executives, directors and trustees on current and relevant topics and various elements of bank supervision.


 

WHO SHOULD ATTEND

This program is designed for CEOs, inside directors/trustees, and outside directors/trustees.


 

CONTINUING EDUCATION CREDIT

Attendees of this course are eligible for up to 4 hours of CPE. PACB is an approved provider of continuing education by the PA State Board of Accountancy.


 

2018 BREAKOUT MODULES

Conversation with the Regulators
This session will provide an informal setting for participants to hear what is on regulators’ minds and to share experience and insights as a community bank board member. Members of the FDIC regional management team will highlight emerging issues, answer participant questions, and discuss topics raised by participants. The session structure will include prepared remarks as well as an open forum for questions and discussion.

Staying Ahead of Cybersecurity
This case-based session will take you through a cybersecurity related event. Participants will work through developing a response plan, identifying missteps that contributed to the vulnerability, and determining steps to lessen the likelihood of similar events. With the Director’s perspective in mind, the session will also include discussions of IT oversight challenges and emerging IT risks.

Emerging Credit Risk
This session will discuss emerging credit risk trends to assist you in identifying potential and existing commercial real estate and loan participation risks within your institution. The session will include a case study that reinforces the importance of understanding real estate markets and submarkets, analyzing rent rolls, and identifying concerns with non-recourse lending.

Bank Secrecy Act/Anti-Money Laundering
This session will cover a number of BSA/AML risk areas and “hot topics” including guidance to banks regarding marijuana related businesses, beneficial ownership rules, and suspicious activity monitoring and reporting. The session will also include common BSA/AML report findings from community bank examinations and tips for reviewing the adequacy of your BSA program.

Guidance for New Directors
This session will focus on fundamental board governance issues and is designed for Directors with less than five years’ experience. In addition to discussing participant questions, the session will cover Directors’ roles and responsibilities, examination reports, and effective strategies to monitor bank performance.


 

LARGE GROUP CASE STUDY

Strategic Decisions and the Effect on CRA and Fair Lending
Directors must make strategic decisions for their institutions. These decisions are not made singularly, and they impact many areas of the bank. Our case study discussion will focus on how strategic decisions may affect CRA and Fair lending and what type of information Directors need to know and questions they should be asking.


 

LODGING

The PACB has reserved a block of rooms for this seminar. To make your reservations, please call the DoubleTree Monroeville directly at 412-373-7300 and mention the PA Association of Community Bankers to receive the special group rate.

Oct
25
Thu
Asset/Liability Management Seminar
Oct 25 @ 8:00 am – 3:30 pm

Thursday October 25, 2018
DoubleTree Monroeville
101 Mall Blvd., Monroeville, PA

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


 

SEMINAR AGENDA

8:00am: REGISTRATION/REFRESHMENTS
8:30am: CURRENT ENVIRONMENT
• Regulatory Overview
• Business Cycle Trends & Impact on Pennsylvania Banks
• Interest Rate Forecast – Fed has become more aggressive in 2018
• Liquidity Management – Liquidity is shrinking on bank balance sheets as rates
increase
10:00am: REFRESHMENT BREAK
10:15am: MANAGING BANK RISK
• Interest Rate Risk – A greater regulatory concern in 2018
• Modeling IRR – Validating assumptions is key concern of examiners
12:00pm: LUNCHEON
1:00pm: MANAGING ASSETS IN THE CURRENT ENVIRONMENT
• Funding growth for 2018 – Liquidity Management
• Investment Options on a Flattening Yield Curve
• Lending
• Residential lending is a challenge and this will continue
• Managing concentrations in CRE lending
MANAGING LIABILITIES IN THE CURRENT ENVIRONMENT
• FHLB Strategies for Lengthening Liability Duration
• FHLB Strategies for Matched Funding
• Deposit Strategies: Moving customers from large savings pools to CDs
• Challenges Facing ALCO In 2019
3:30pm: ADJOURNMENT

SEMINAR OVERVIEW

BEST PRACTICES IN ASSET/LIABILITY MANAGEMENT
This annual seminar program will focus on the critical issues bank ALCOs will face in 2018 through 2019. Economic data has been more and more positive in the 1st half of 2018. 1st quarter GDP growth was moderate at 2.2%, but forecasters are more optimistic for the 2nd and 3rd quarters due to the 2017 tax bill and its impact on consumer spending and business investment. Consumer spending was solid in the 2nd quarter and consumer confidence is positive. The unemployment rate is 3.8% and wages are beginning to rise. The housing market is strengthening along with the labor market. All of this activity is moving inflation rates above 2%, a level desired by the Fed. All of this positive news bodes well for bank lending, but should be a caution sign for liquidity management.

The most important variable for the ALCO to focus attention is shortterm interest rates. The Fed moved rates up three times in 2017. We have had two 25 basis point increases in 2018, an after the June meeting the Fed suggested that they will likely increase rates in September and December. We are expecting a 2.50% Fed Funds rate in December, and 3.25% in December 2019. This is beginning to put pressure on deposit pricing, and this upward pressure will continue through 2019.

The seminar will focus on regulatory concerns with commercial lending, liquidity management, and interest risk management. Liquidity and interest rate risk management will be a major concern for your ALCO through 2019. The program will conclude with asset and liability decision making in 2018 into 2019. As loan demand increases, investments have become less of a priority, but investment portfolio strategies continue to be an essential element of ALM. Liability management has not been a significant concern over the last nine years, but it will be the focus in 2018 and 2019. Deposits strategies to cope with a rising rate environment need to be developed in the near term. We will also explore wholesale strategies involving the FHLB advances and brokered CDs.

ABOUT THE SPEAKER

Dr. James Clarke is the Principal of Clarke Consulting, a Villanova, Pennsylvania firm specializing in ALCO issues and strategic planning for community banks. Jim has lectured on asset/liability management at the Stonier National School of Banking sponsored by ABA, the Southwest Graduate School of Banking, the New England School of Financial Studies and Connecticut School of Banking. He conducts ALM seminars for many state associations, and for Risk Management Association (RMA) and Financial Managers Society (FMS). Jim also conducts board education programs on ALM for a number of state associations. In 2016 through 2018, Jim spoke at the Connecticut, Maine and Pennsylvania Association of Community Bankers conventions and number of director conferences. Dr. Clarke is on the Board of a community bank, and is a Director of an investment company. Jim is also on the Editorial Board of the RMA.

WHO SHOULD ATTEND

CEOS, CFOs, COOs, Investment Managers, ALCO Committee Members, Directors, Lenders, Risk Managers and all involved in ALM.

CONTINUING EDUCATION CREDIT

Attendees of this course are eligible for up to 5 hours of CPE. PACB is an approved provider for continuing education by the PA State Board of Accountancy.

LODGING

A block of rooms has been reserved the DoubleTree, 101 Mall Blvd., Monroeville, PA.  Please contact the hotel directly at (412) 373-7300 for reservations.  Please mention the PA Association of Community Bankers to secure the group rate.

Call Report Series: Complex Call Report Lending Schedule Preparation
Oct 25 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Call Report Series: Complex Call Report Lending Schedule Preparation
Presenter: Amanda C. Garnett, CPA, CFSA – CliftonLarsonAllen LLP

Oct
29
Mon
Marketing Conference
Oct 29 all-day

October 29-30, 2018
The Hershey Lodge & Convention Center
325 University Drive, Hershey, PA

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


 

CONFERENCE AGENDA • DAY I • OCTOBER 29, 2018

8:00am: Registration – Continental Breakfast

8:30am: Welcome/Opening Remarks

8:40am: Workshop: Marketing – Capitalizing on Your Competitive Advantages
Presented by: David Carlson – SVP, Haberfeld Associates
During this two-part Workshop, we will explore winning strategies to: (1) capitalize on your competitive advantages, (2) expand your market share(3) monetize your customer base (4) and effectively use data analytics to help grow your bank and become significantly more profitable.

10:15am: BREAK

10:30am: Workshop Continues: Capitalizing on Your Competitive Advantages

11:30am: Luncheon

12:30pm: Bringing Your Brand to Life with Digital Marketing
Presented by: Jim Caliendo – COO, PW Campbell
Nearly 60% of traditional financial products were sold via the branch. The popularity of mobile and online banking is forcing financial institutions to rethink and modernize their marketing and advertising modules. This session will provide the necessary knowledge to engage and impress customers, reduce teller service times, educate and entertain customers, increase brand and product awareness and drastically reduce printing costs though the use of customized, scalable digital marketing solutions.

1:30pm: Marketing & Compliance – Working Together
Presented by: James Jarrett, CPA – Firm Director, Baker Tilly
This session will provide guidance to marketing leaders on the regulatory compliance requirements for written, spoken, website and social media marketing materials. We will discuss common pitfalls in marketing materials that could be seen as a potential violation of regulations.

2:30pm: Social Media Strategies for Community Banks
Presented by: Patricia Howard – Sr. PR Specialist, SHAZAM
Social media is increasingly being used for developing connections and advocacy efforts. Utilizing a mix of owned, earned and paid social media increases engagement, raises awareness of your brand and ultimately improves your bottom line. It’s a balance of what you are saying, what others are saying about you, and what paid messages are purchased. This session will provide insights for establishing a social media plan incorporating owned, earned and paid media.

4:00pm: ADJOURNMENT

CONFERENCE AGENDA • DAY II • OCTOBER 30, 2018

8:30am: Continental Breakfast

9:00am: Product Profitability: How the Sausage is Made, Profit Trends Per Product Type, and Profit Drivers
Presented by: Jeffrey P. Marsico – Executive Vice President, The Kafafian Group, Inc.

10:00am: Strategies to Engage Future Generations of Community Bank Customers
Presented by: Chris Warwick – VP-Consumer Marketing & Program Design, KASASA

11:30am: Adjournment

WHO SHOULD ATTEND

CEOs, Marketing Professionals, Branch Personnel with Marketing Responsibilities, Marketing Department Staff, and those responsible for Strategic Marketing and Communications.

CONTINUING EDUCATION CREDIT

Attendees of this course are eligible for up to 7 hours of CPE. PACB is an approved provider of continuing education by the PA State Board of Accountancy.

LODGING

The PACB has a special rate at The Hershey Lodge & Convention Center, 325 University Drive, Hershey, PA. Please contact the hotel directly at 855-729-3108, and ask for the room block for the PACB Marketing Meeting at the Hershey Lodge, October 29-30, 2018.

Stop Payment Versus Written Statement of Unauthorized Debit (WSUD): Which Is It?
Oct 29 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Stop Payment Versus Written Statement of Unauthorized Debit (WSUD): Which Is It?
Presenter: Jen Kirk, AAP, MBA – EPCOR

Oct
30
Tue
Compliance Series: Job-Specific Compliance Training for Deposit Operations
Oct 30 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Compliance Series: Job-Specific Compliance Training for Deposit Operations
Presenter: Molly Stull – Brode Consulting Services, Inc.

Oct
31
Wed
Form 1099 Reporting: Third-Party Vendors, Foreclosures, Debt Forgiveness & More
Oct 31 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Form 1099 Reporting: Third-Party Vendors, Foreclosures, Debt Forgiveness & More
Presenter: Elizabeth Fast – JD & CPA

Nov
1
Thu
Analyzing Common TRID Compliance Violations
Nov 1 @ 3:00 pm – 4:30 pm

More Info & Registration: CLICK HERE
Title: Analyzing Common TRID Compliance Violations
Presenter: Steven Van Beek, Esq., NCCO – Howard & Howard Attorneys PLLC