Schools

Formally known as the Advanced BSA School, the all new BSA Graduate School has been redesigned for 2017. This 2-day program is designed for BSA professionals who are competent in the core requirements of Bank Secrecy Act rules and will provide a higher level of lecture, training, and interactive discussion regarding the challenges of developing and managing an effective BSA program.
 
If you are a lender, are you ready to improve your game?   If you manage or review commercial relationships, what are the key drivers of borrower performance after the loan has been closed?  This advanced, two-day course has the answers, with a focus on effective initial structuring and subsequent monitoring of commercial lending relationships.  It goes beyond the basics of financial analysis and portfolio management to provide experienced bankers the advanced tools to influence credit quality and profitability.  We explore critical quantitative factors such as the role of sales growth in the financial performance of the borrower, as well as qualitative issues of industry, market and management risks. Participants will learn how to improve their handling of a loan portfolio such that credit quality can be maintained along with producing new revenues for the bank. We’ll unlock the mysteries of loan agreements and covenants to improve monitoring of existing credits and enhance future underwriting and renewals.  Other monitoring issues, such as interim financial statements are covered.  We finish with a set of unconventional problem loan warning signals to better assist lenders in getting an early jump on a potential weakness.
 
Bank security officers are challenged everyday to stay abreast with the perils affecting their banks, while also modifying the policies, procedures and practices within the bank to prevent the losses from those perils. Maintaining operational efficiencies, while addressing the physical security and account level security at financial institutions, is a constant challenge.To address some of the issues and trends impacting your institution, the Annual Security & Risk Management Conference has been designed with topics to address the perils you face, the environment in which you operate, and the regulatory world in which we all live. This year we are excited to offer you another dynamic, fast-paced conference specifically designed to address the continuing education needs of today’s professional bank security officer along with topics to deal with the everyday issues you confront while protecting your customers and your organization.
 
The Indiana Bankers Association (IBA) is pleased to present “Essentials of Banking”, four, one-day seminars offered at the IBA Center for Professional Development in Indianapolis.  A must for the newer community bank employee, this series is designed to provide a complete knowledge of banking principles and operations.  It is also geared toward veteran employees as a refresher course.  This popular program also boasts a staff of instructors who are not only popular IBA speakers, but also some of the best presenters in the banking field including John Cochran, Dianne Barton and Jim Rechel. 
 
While it is recommended that the individual attend all four sessions of the series to receive an entire overview of banking, each session’s material stands alone; one session is not a prerequisite for another.  From year to year, IBA plans to offer the same series beginning with any session. However, if you want your staff to learn about the material presented in a particular session, the program provides a thorough education and may be attended as a stand-alone class.  Series registrants cannot carry over funds to the next year’s four-seminar sequence.  If you cannot attend one of the sessions, another individual from the bank may be sent as a replacement or that sesssion’s manual will be sent and funds will be forfeited.
 
This two-day school is designed to prepare consumer lenders to meet two primary challenges. The first challenge is to originate loans to qualified consumer and residential borrowers and minimize collection problems and loan losses. The second challenge is to be in compliance at all times with ever-changing fair lending regulations.
 
How do you maintain your credentials for managing, auditing or implementing the portion of your institution’s compliance function that relates to money laundering, terrorist financing or even national security?  It is a question you will have to answer during every future BSA/AML regulatory examination. Your answer will serve as the regulators’ first impression of you and your bank’s compliance efforts. The curriculum for this school changes every year. Your continued attendance establishes your bank’s as well as your own commitment to staying abreast of the most dynamic and pervasive compliance responsibility your institution has. Every bank must provide ongoing training to those responsible for BSA and AML compliance. This school gives your institution an opportunity to listen to and interact with regulators from both the state and federal functional regulatory agencies. It also allows you a unique opportunity to get some rare “how to” instruction in BSA/AML compliance issues. This is not an introductory program; all attendees should receive at least six hours of formal BSA/AML training prior to attending. The IBA sponsors a one day BSA/AML overview program in several locations across the state each fall.
 
It is no secret that regulations in general continue to expand. This is especially true for Regulation Z. The Regulation Z commentary alone consists of over 372,000 words. As the complexity has increased, the ability for banks to comply has become more and more compromised. In response, we are offering this course to discuss all aspects of the regulation. A brief course no longer is possible  a three-day course is now required to cover all facets of Regulation Z. The manuals (which will be extensive) will be broken out by the loan type, and information that pertains to different loan types will be repeated in each manual as needed. This will make it easier for the student to use the manuals for reference after the seminar. The course will consist of lecture, case studies, and discussion, along with time devoted to questions and answers.
 
The IBA Commercial Lending School was founded to provide mid-level bank officers and commercial loan officers a thorough understanding of commercial lending administration. The purpose of the school is to provide that information by:
       • Focusing on the operating cycle of a business, and the key variables for long-term success;
       • Helping students develop their analytical skills and management evaluation techniques;
       • Acquiring an awareness of the economic environment and how it affects the lending decisions;
       • Understanding the borrower and loan management alternatives available to a lender in the event of loan default; and
       • Providing a strong foundation of financial analysis, along with in-depth case studies that allow the student to apply lessons learned.
 
This two-day course provides lenders and analysts with important tools beyond basic business financial ratios  and credit analysis.  First, it expands the conventional ratio analysis into cash flow analysis.  Second, the non-financial issues faced by the business (industry, market and management risk) are discussed in relation to the ratios and cash flow results.  Third, we introduce advanced tools that bring all of these concepts together: sustainable growth rate and break-even analysis.  These tools lay the groundwork for developing assumptions to be used with computerized projection models.  Finally, we discuss how to bring these issues into your written analysis of the credit.  This course is “hands on” (bring  a calculator) with cases and exercises demonstrating  key concepts.
 
The current mortgage market is not your dad’s mortgage market. Today’s turmoil has caused significant changes in how lenders do business. We have added modules on FHA lending and the government’s “Affordability and Stability Plan.”  The appraisal process has come under heavy scrutiny, as many real estate markets have experienced severe declines in values. New compliance requirements will come into play this summer. They are related to “high cost” mortgage loans. This three-day mini-school is designed to provide the mortgage lending professional with a solid foundation for managing and producing a quality mortgage portfolio. This will be a very hands-on school, as it will include exercises in buying and selling mortgages in the secondary markets, a visit to a construction site and the analysis of the tax return of a self-employed borrower. It will also cover new underwriting guidelines, and PMI requirements. The school’s objectives are to assist the participants in three areas: improved customer service, more efficient processing and servicing, and stronger underwriting. All of these should result in your bank having increased earnings from the mortgage portfolio.
 
Cybersecurity Annual Conference October 11-12, 2017 (Brochure Coming Soon)
Please join us as we explore the wiles of hackers and the schemes they use to attempt to defraud your bank and customers. Security experts will heighten your awareness of recent trends seen in the
industry, as well as protective measures for information security. Industry experts will provide you with the tips and tools that will help you counteract security risks and manage your understanding of how
the tool will impact you, your bank, and our banking community. Don’t miss the opportunity to network with other community bank Cybersecurity officers while learning from industry experts.
 
Lending Module October 18-20, 2017
Deposit Operations Module October 16-17, 2017
Indiana Bankers Association (IBA), Community Bankers of Michigan (CBM), and Young & Associates, Inc. (Y&A) is pleased to sponsor the Community Bankers for Compliance School (CBCS). Now in its 13th year, this popular program for compliance professionals has been expanded to two schools. The Lending Compliance school will encompass a full five days to accommodate all of the new Dodd-Frank Act related regulations. The Deposit/Operations Compliance school will remain a two-day session, but will be held separately. These schools will give the student a solid understanding of the major regulatory compliance regulations, and will provide practical tools and strategies to help those attending apply and maintain this information directly in the bank. The CBCS is designed to assist attendees in getting timely answers to questions and concerns. Interaction with peers, during this school, will be encouraged through sharing and learning from one another. This flow of information will increase each attendee’s understanding and improve efforts in creating and maintaining a viable compliance program within your bank.
 
2017 IRA School October 24-25, 2017 (Brochure Coming Soon)
New changes in Washington usually means new changes in retirement accounts???? Plan to attend the fall IRA classes to learn the latest and greatest IRA and Health Savings Accounts proposed and enacted legislative changes. A detailed brochure will be out soon for more details.
 
Internal Banking School November 9-10, 2017 (Brochure Coming Soon)
IBA is conducting this timely, internal audit programming in conjunction with Crowe Horwath LLP. This overview program is for internal auditors and senior staff. This two-day program will provide an overview of the internal audit function, along with audit concepts and techniques to aid in identifying risk in areas common to all financial institutions.
 
Midwest Agricultural Banking School November 27-30, 2017 (Brochure Coming Soon)
The curriculum for the Midwest Agricultural Banking School is designed to provide you with the practical aspects of  agricultural credit & finance, farm management, marketing & related subjects. The core curriculum was developed by, and is maintained in cooperation with, the Kansas/Nebraska Schools of Banking, and the sponsoring state bankers associations. The development and implementation of this curriculum has involved literally hundreds of bankers and has resulted in a nationwide system of quality banker education. A unique and powerful feature of the Midwest Agricultural Banking School is the integration of the Annual Agricultural Clinic. For more than 50 years, the Clinic has served as one of the largest agricultural banking conferences in the country. Students will have the opportunity to select from a wide range of general and concurrent sessions addressing the most current issues facing agricultural lenders. The Clinic also provides the opportunity for students to interact with more than 150 senior lenders and agricultural leaders from throughout the region. The 2014 Midwest Agricultural Banking School delivers a solid foundation in agricultural credit principles and the most timely topics of the day, all with a minimum investment of time and money!