Education & Events


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.
Formally known as the Advanced BSA School, the all new BSA Graduate School has been redesigned for 2019. 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.
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.
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.
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.
This Conference is designed to help attendees prepare for the 2019-2020 loan renewal season as Dr. Kohl provides an overview of the state of agriculuture and the credit risks that may lie ahead. One way some of the more mature farm operators may choose to deal with current period of low porfits is to transition to the next generation. The first day will focuse on the legal, tax and personnel issues involved with such a transition. The second day will start with a review of the current situation and what is likely ahead for commodity prices, cash rents and land vallues. From there we will go into an overview of where we are regarding the farm bill before heading into what China has going on and how it will impact the US agriculture. The Conference will end with some practical tips on building relationships, particularly between lenders and their farm borrowers.
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.
Community Bankers for Compliance School 
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 14th 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.
2019 IRA School October 29-30, 2019
Have you ever noticed sometimes when the IRA Guru leaves the financial institution it is without notice or training for a replacement??!!  On the first day of training, you feel like someone placed you on a crazy merry-go-round and you can’t jump off.  In other words, you have NO IDEA where to go or what they are talking about.  Everything just sounds foreign to you.  It’s true.  IRAs are a different world from the other accounts at your bank.  Oh, they may look similar, but the rules, regulations and IRS reporting build the complications to the point where you feel like you are on falling off of a cliff!!  And, just when you finally find your footing, they change the rules again! 
Whether you are looking to gain basic knowledge of IRAs, raise your comfort level or sharpen your skills with the most up-to-date rules and regulations, this two day format will cover everything! 
The 2019 Midwest Agricultural Banking School will be held Dec. 2-5 at Purdue University, West Lafayette, IN.  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 200 senior lenders and agricultural leaders from throughout the region.  The 2019 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!  Register online.
2019 Agricultural Clinic December 5, 2019
The 2019 Agricultural Clinic will be held on Dec. 5 at Purdue University. For more than 50 years, the IBA Agricultural Clinic has served as one of the largest agricultural banking conferences in the country. Sponsored in cooperation with the Department of Agricultural Economics at Purdue University, the IBA Ag Clinic provides a wide range of general and concurrent sessions, addressing the most current issues facing agricultural lenders. The clinic also provides an excellent opportunity for attendees to interact with more than 250 senior lenders and agricultural leaders from throughout the region. Immediately following the Ag Clinic there will be a special retirement reception honoring Dr. Freddie Barnard.  All attendees are invited to attend.  Register online.