Search
Bank Policies & Procedures: Fair Credit Reporting Act (PLC-115)
Defines the bank's responsibilities under the act, including loan and deposit declinations. Establishes guidelines for investigative reports and use of prescreened lists.
Bank Policies & Procedures: Secondary Mortgage Market (PLL-287)
This policy establishes the guidelines for the bank to follow to stay in compliance with the rules, regulations, and industry standards that apply to the origination and sale of whole loans by the...
Bank Policies & Procedures: Home Mortgage Disclosure Act Reporting (PLC-119)
Establishes internal procedures that result in the proper recording of loan information, submission, and proper disclosures to the public.
Identifying and Addressing Distressed Loans Seminar
Build a proactive mindset in identifying concerning trends that, if left unaddressed, could lead to a bank loss. A past due payment is not an early warning sign. It’s an indication that you have...
Financial Statement Analysis
Assessing creditworthiness of a borrower is about information. This course focuses on the critical issues arising through preparation of financial statements by the borrower, the role of...
Cash Flow Analysis
Only cash can repay loans. To effectively conduct a complete credit analysis, the sources and uses of cash in the business must be understood. This seminar discusses the mechanics of constructing...
FCRA: Overview (Individual)
The Fair Credit Reporting Act (FCRA) became effective on April 25, 1971. The FCRA contains responsibilities both for entities that are consumer reporting agencies, for entities that procure and use...
Appraisal Standards (Individual)
Appraisals are an intricate part of the real estate lending process whether consumer or commercial. Whether the transaction requires an appraiser or uses an evaluation, the bank must ensure that...