**Click Here for Novel Coronavirus 2019 (COVID-19) Resources**

Please note that the safety and health of our members is our top priority. This program has been converted to take place as a webinar. 

PROGRAM INFORMATION

Patti’s joining us virtually to help guide us through the murky waters of compliance updates. Below is the list of confirmed topics, but stay tuned! More will be added as the program approaches.

• Regulatory Updates
• Flood Insurance Q&A Amendments
• FinCEN Guidance on Customer Due Diligence and COVID-19 Fraud
  • CTR and SAR Clarifications
• Pandemic Pause Compliance Update
  • FFIEC Statement on Additional Loan Accommodations Related to COVID-19
• Recent Enforcement Actions
• Post-Pandemic Mortgage Servicing

SPEAKER INFORMATION

Patti Joyner – Founder, Financial Solutions

Patti Joyner is a dynamic speaker and leader with strong, intuitive management skills, and a deep conviction that “excellence is not optional.” She has extensive experience in working with financial institutions, bank data processors and governmental agencies. Patti has more than 35 years of experience in the financial industry as an entrepreneur and financial institution executive. She is a Certified Public Accountant, skilled regulatory compliance consultant, bank operations specialist, system automation designer and an enthusiastic regulatory compliance instructor who believes in providing real-world solutions ready for immediate implementation.

Patti founded Financial Solutions in 1990 to offer financial institutions complete, cost-effective regulatory compliance solutions, thereby eliminating an institution’s need to rush to increase overhead. The company specializes in providing regulatory compliance assistance for financial institutions through policies, programs, on-site compliance reviews and customized training.

PROGRAM INFORMATION

This is a special launch of the virtual course Breaking into Banking 201, which will be available to attendees on Tuesday, October 13. Registrants will be given a roster of all participants to encourage peer discussion, along with the instructor’s contact information for any questions. Attendees will have a full year to complete the course. Each module includes a video lesson and a multiple-choice self-check. Many of the lessons include exercises for learners to work through that are related to a sample company outlined in the course’s 13-page reference guide.

Topics will include:

1. Introduction and Overview
   • Outline course objectives and topics
   • Understanding primary and secondary repayment sources
   • Why banks need accurate loan data to estimate credit losses
2. Balance Sheet Analysis, Part I – Analyzing Liquidity
   • Better definitions of assets, liabilities, and equity
   • Measuring liquidity: beyond formulas and ratios
   • Quality of current assets
3. Balance Sheet Analysis, Part II – Analyzing Leverage
   • The difference between debt and equity
   • How to measure leverage
   • Highly leveraged lending
4. Income Statement Analysis, Part I – Revenues and Profit Margins
   • Analyzing revenues: growth and drivers
   • Keys to analyzing gross margin and operating margin
   • Why Return on Assets matters
5. Income Statement Analysis, Part II – Coverage Ratios
   • Explanation of fixed charges
   • EBITDA as a proxy for cash flow
   • Measuring debt service coverage and fixing charge coverage
6. Collateral Analysis, Part I – Non-Current Assets
   • Why bankers need a backup plan
   • Commercial real estate as collateral
   • How to evaluate fixed assets
7. Collateral Analysis, Part II – Trading Assets
   • Understanding self-liquidating collateral
   • How to assess the value of inventory
   • Analyzing a borrower’s Accounts Receivable
8. Collateral Analysis, Part III – Solving the Problems
   • Understanding Accounts Receivable Aging reports
   • Borrowing base formulas and certificates
   • Unsecured and under-secured loans
9. Risk Ratings, Expected Loss, and Provision for Credit Losses
   • Assessing an obligor’s likelihood of repayment
   • Dual risk ratings and expected loss
   • Provision for Credit Losses and why it matters

SPEAKER INFORMATION

Andy Keusal – Commercial Banking and Credit Expert

Andy founded Keusal Learning in 2015 after having spent 18 years in commercial banking. He began his banking career as a credit analyst and has spent most of his 18 years interviewing, hiring, and training people for commercial banking positions. By far, the most challenging period of his career was the first year, because he entered the industry so unprepared to perform the job he was hired to do.

Andy wrote the book Breaking Into Banking to help aspiring commercial bankers avoid the struggles he had in his first year, so others can hit the ground running once they are hired. For those who are serious about successfully launching a career in this industry, he created an entire Breaking Into Banking course that can be watched at your own pace, in your own place, to prepare you for work.

He is the father of 10 children, ages 3 to 30, the nine youngest of whom he is currently homeschooling. Given his experience as a homeschooling father and a banking trainer (not to mention a BA in Psychology), he has learned how to help people through a learning curve in a fun and manageable way.

PROGRAM INFORMATION

The Advanced Commercial Lending course keys in on specialty loan products like letters of credit and ABL lines and non-traditional borrowers such as not-for-profits, municipalities and professional entities. Participants will dive deeper into use of covenants, problem loan signs and opportunities for non-recourse loans.

Topics Include:

• Lending to Not-for-Profits
• Analyzing Religious Organizations
• Interpreting Municipality Financial Statements
• Leveraged Lending (Participations and Syndication National Credits)
• Portfolio Management (Covenants, Risk Rating, etc.)

SPEAKER INFORMATION

Andy Nenni – Chief Credit Officer, Movement Bank

Andy Nenni has been providing training and coaching for bankers involved in consumer and commercial lending and has created custom training programs for banking associations and financial institutions. Courses include improving sales, consumer lending basics, performing real estate evaluations, and beginner through advanced C&I and CRE underwriting skills. Andy weaves over fifteen years of banking experiences and stories into each class and uses real-world examples to reinforce concepts and entertain attendees. He has served as a Personal Banker, Credit Analyst, Commercial Lender, and Chief Credit Officer in community and national banks. Andy earned a Bachelor of Science in Accounting at Kansas State University and a Masters of Business Administration at East Carolina University.

The 2020 Fusion Forum has been converted to a virtual platform and rescheduled for October 27-29, 2020. This innovative new experience will provide bankers with the same high-quality training that they have come to expect, from the comfort of their own office.

Attendees will have the chance to hear from experts in their own field, in addition to industry-wide sessions. This conference is relevant to anyone who contributes to the bank management team, including CEOs, CFOs, Credit Officers, Security Officers, COOs, CAOs, HR and those that support these roles.

There are no track-specific registration fees this year. Attendees will have access to all three days of content. Recordings of our sessions will also be made available ondemand until December 18.

The safety of our members is our top priority. This program will take place in a virtual setting. 

PROGRAM INFORMATION

We are partnering with Blue-U Defense on this training, and will be broken into three segments:

• Surviving an Incident of Violence/Active Shooter
  This course is typically provided as a foundation level course for banks, large corporations, insurance companies and associations of all sizes. Successfully surviving a sudden incident of violence is 90% mental and 10% physical skill. This course focuses on the 90% mental while concurrently providing skills to survive the 10% physical, as a last resort.
• Advanced Workplace Violence – Prepare to Win! Practical and Effective Tactics and Defense
  This is an advanced course that will feature hands-on drills, scenarios, criminal mind and lecture, to show attendees how powerful the tactics that we teach are, and to show, through actually doing them, that they absolutely work! Attendees will see both the role of the “good guy” and “bad guy,” to get both perspectives. Attendees will more clearly understand the tunnel vision, OODA Loop, tactics, etc that we are teaching our students to understand and overcome.
• Physical Site Security and Compliance with Bank Protection Act 
  During this session, instructors will discuss how to conduct your own physical site security assessments utilizing their method. Their method does not entail looking at what many other organizations are looking at such as cameras, lighting, card readers, etc. Their theory is your building is your building, your people are your people, and your layout is your layout. So, how do they take what you currently have and, without spending any more money, significantly increase the safety and security of those people inside – your most valuable assets! The instructors will cover this and more.

SPEAKER INFORMATION

Terry Choate – Co-Founder & Training Specialist, Blue-U Defense

Terry Choate is a Co-Founder and Training Specialist for Blue-U Defense.  He has served as Team Commander of the Monadnock Regional Special Response (SWAT) Team and for 11 years as a Lieutenant with the Jaffrey (NH) Police Department.  Prior to law enforcement, Mr. Choate spent over 20 years in management positions with Fortune 500 companies. In addition, Mr. Choate’s experience with Executive Security International provides expertise in Security Surveys, Advances, Personal and Executive Protection, CCTV Surveillance, Stalking and Dangerous Human Behavior, Anti/Counter Terrorism, and Business Security.

Joe Hileman – Co-Founder & Training Specialist, Blue-U Defense

Joe Hileman is a Co-Founder and Training Specialist for Blue-U Defense.  He served as the Assistant Team Commander of the Monadnock Regional Special Response (SWAT) Team and for 11 years as a Detective with the Jaffrey (NH) Police Department.  Prior to his career in Law Enforcement, he served as Security Supervisor at the corporate management level of a Fortune 500 company. Mr. Hileman holds two A.A. degrees in Criminal Justice – Law Enforcement and Criminal Justice – Corrections, Probation, and Parole.