Sign up to volunteer at Camp Challenge this summer during one of our Financial Literacy classes! Classes are held Monday through Friday, and last from 9:00 am-12:30 pm. Camp Challenge runs for eight consecutive weeks from June 9 – August 2. To learn more and sign up, click here!
Come celebrate the first day of August with a cold drink and get to know some of your fellow young bankers! Click here to learn more and RSVP.
PROGRAM INFORMATION
The workshop is designed to prepare bankers who accept consumer loan requests to analyze the typical metrics used to approve these requests. Instructor Andy Nenni will provide an overview of the consumer lending environment and how lenders should consider credit scores, loan-to-value, and debt-to-income when assessing loan decisions. Discussions will also include mitigating issues with repayment history and higher than acceptable debt loads. Participants will be guided through case studies to reinforce concepts.
Learning objectives include:
- Brief overview of consumer lending regulations
- Describe typical loan products, terms, and advance rates
- Review credit bureau reports
- Analyze a personal financial statement
- Identify repayment sources using stated income, paystubs, and tax returns including a brief introduction to self-employed borrowers
This program should be attended by lending staff seeking an introductory understanding of consumer credit. The course will benefit lenders with loan authority and lenders operating in a centralized lending environment.
SPEAKER INFORMATION
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.
LODGING INFORMATION
The NCBA has secured a discounted rate of $159/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please use the link below. The hotel is located two miles away from the NCBA.
Please note that attendees are responsible for securing their hotel reservations.
Time: Day 1, 9 am – 5 pm
Day 2, 8:30 am – 12:30 pm
PROGRAM INFORMATION
Patti’s coming back to town to help guide us through the murky waters of compliance updates. You and your compliance team won’t want to miss this informative session! Stay tuned for a complete list of topics that Patti will be covering.
SPEAKER INFORMATION
Patti Blenden
Patti Blenden 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.
LODGING INFORMATION
The NCBA has secured a discounted rate of $134/night at the Greensboro – High Point Marriott. To secure a room at that rate, please call the hotel directly at 336.852.6450 and ask for the NC Bankers rate on the nights of September 3 & 4. Please note that attendees are responsible for securing their own reservations, and that the cut-off date to receive this rate is Tuesday, August 13.
PROGRAM INFORMATION
Even though the tax reform changes took place in 2018, CPA’s and other industry experts are still learning and understanding all the new changes. Please join us for an informative session with LBA Haynes Strand as their experts guide our attendees through new tax changes that could be beneficial to their institutions and clients.
Learning objectives include:
- R&D Credits
- Gain understanding of the R&D tax credit legislation
- Determine which activities qualify for the R&D credit
- Learn how the R&D credit is calculated and what expenses are allowed in computation (and learn what documentation is required to support the calculation)
- Understand how the R&D credit is applied to corporate returns
- Learn how to identify taxpayers who can take advantage of the R&D credit
- Opportunity Zones
- Gain knowledge on what a Qualified Opportunity Zone is, and where Opportunity Zones are located
- Know what the tax incentives are available to investors
- Understand what the Opportunity Fund requirements are
- Accrual to Cash: New Rules for Including Inventory Write-Offs
- Learn the difference between cash- and accrual-basis accounting
- Understand the direct effects of each method
- Determine which method is best for what type of business
- SALT: Implications of Wayfair
- Understand the business filing requirements
- Determine if there is existing exposure
- Learn how to identify risks beyond state tax
SPEAKER INFORMATION
Julie Ayers – Principal, LBA Haynes Strand
Julie is a Principal at LBA Haynes Strand, is head of the tax department and the charter school accounting division and also sits on the Executive Committee, which leads all decision making for the firm.
Julie’s ability to help clients overcome financial obstacles began when she worked for a prominent property management company who oversaw the management of prestigious condominiums in Washington, DC. Faced with unsold condominiums and a down turn in the market, condominium associations turned to her to find ways to reduce their overwhelming financial burden. Julie realized that by helping the association she was able to also help the individual owners save their homes. Armed with this knowledge and passion, she left the company and became a CPA to work in public practice.
Patrick Coleman – Principal, LBA Haynes Strand
Patrick is a Principal in the Matthews office of LBA Haynes Strand, where he is a vital member of our tax practice. Patrick graduated from St. John’s University with a Bachelor’s of Science in Accounting and holds a CPA license in both North Carolina and New York. His background includes consulting and tax services, where he truly enjoys working with business owners and individuals assisting them with their financial and tax planning needs. Patrick has a unique perspective on client needs and the solutions that go with them. In addition, he has extensive experience in compilations, reviews and tax preparation.
Dave Fraser – Principal, LBA Haynes Strand
David Fraser, CPA has more than 24 years of experience as a certified public accountant. At LBA Haynes Strand, Dave is responsible for serving his tax clients and providing a proactive resource for them. He also serves as a technical resource for the firm. He understands international, national and multi-state tax issues for partnerships and corporations and assists multinational companies with complex transactions including transfer pricing and corporate structuring. He also works with corporations on issues of taxation concerning inbound and outbound executives.
Dave also has significant experience working with high net worth individuals, with a unique emphasis on the entertainment industry. His position as controller and technical tax resource for a major auto racing enterprise gives him a unique view of the financial side of one of the world’s most financially lucrative sports. He also helped develop a national methodology for the transfer of wealth from high net worth individuals to their heirs while minimizing estate, income and gift taxation.
LODGING INFORMATION
The NCBA has secured a discounted rate of $159/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please use the link below. The hotel is located two miles away from the NCBA.
Please note that attendees are responsible for securing their hotel reservations.
PROGRAM INFORMATION
We are partnering with SBS CyberSecurity to bring our members the Certified Banking Security Manager virtual training. This certification is self-paced, with a launch date of September 19. Attendees will be given a roster of all participants to allow for peer discussion and networking while taking the course. Total allowed time to complete the course is ten weeks and culminates with an exam to achieve the certification. Click HERE to watch a short video from the instructor for a more detailed description of the course.
SBS’s certified advantage helps you develop an entire information security program framework to take back to your institution. After competing this program, attendees will understand how to successfully implement and manage each component of the information security program, and their knowledge of layered security programs will be boosted. Attendees will gain confidence in their decision making after learning comprehensive cybersecurity knowledge. In addition, they will dive into FFIEC cybersecurity guidelines.
Specific topics include:
- U.S. Information Security Laws and Regulations
- Information Security Program Components
- Security & Awareness Programs
- IT Audit
- Social Engineering
- Preparing for IT Examinations
- Running Effective IT & Audit Committees
This program should be attended by Managers, ISOs, Security Officers, Auditors, Operations Officers, IT Managers and anyone in Compliance. This is a must attend program! Below is a testimonial to this program and instructor, Chad Knutson:
“SBS and Chad helped me by providing the tools and information to be successful in reporting, documenting and creating proper assessments. As well as how to structure an adequate BIA and BCP plan, and those things necessary to prepare for an Audit or Exam. Taking the course helped build my confidence in my job field. I would recommend the CBSM course to anyone wishing to enhance their knowledge of the expectations of the IT Program of their institution.”
– Hilarie Haack, GA
SPEAKER INFORMATION
Chad Knutson – Senior Information Security Consultant, SBS CyberSecurity
Chad is a Senior Information Security Consultant and is President of the SBS Institute for SBS CyberSecurity. SBS works with more than 900 banks around the country on information security services such as the development of Information Security Programs, Policies, and Risk Assessments, along with performing IT Audits, Penetration Tests, Vulnerability Assessments and other security services. Chad is a Certified Information Systems Security Professional (CISSP), Certified Information Systems Auditor (CISA), and Certified in Risk and Information Security Controls (CRISC).
This event is a fusion of our traditional CFO Symposium, Management Team Conference, Credit Conference and Security Summit. Registration for your role specific pathway will be offered as well as a full forum registration which will allow you to choose your own path.
If you are interested in being a sponsor at this event, please contact Blair Jernigan at blair@ncbankers.org or Brianna Reeder at brianna@ncbankers.org.
Registration Rates
Full Series: $1,350 (Early Bird – 9/16) / $1,400 (Regular – after 9/16)
Single Day Registration: $385 (Early Bird – 9/16) / $435 (Regular – after 9/16)
PROGRAM INFORMATION
The complete Universal Banker Certification Series is a four-day program. Attendees can either elect to register for the full series, or for the individual segments. To view the full program overview with descriptions and a video highlight, please CLICK HERE.
The Goals
- An understanding of the challenges in community banking
- An opportunity to learn about the best UX-user/customer experience
- The ability to plan for the impact of technology, artificial intelligence, and self-service on the community bank and banker
- The skills to be an ambassador for the bank, and build your personal network
Who Should Attend
Bankers from any department within the bank. These bankers may be new hires, beginning bankers, or bankers with years of experience. They are the emerging bankers who want to become qualified to move laterally or forward in the organization.
The Agenda
Day 1 – Culture Shifting in Community Banks
Key Skill Transfers to Take Away: Maximizing performance in the branch, especially when it’s not busy and maximizing the Universal Banker’s own performance as an individual contributor on the branch team.
- Why community banks fail to compete
- How technology is revolutionizing our business
- Winning qualities of an effective universal banker
- Creating the advisory environment across the bank
- Growing the community bank appropriately
- Branch staffing model – layers are collapsing
- Challenges in changing culture
- Analyzing staff performance across the bank
- Critical thinking – see the big picture of company growth goals
- War games – plan to protect your company’s market share from the competition
- The why’s – learn the why I am doing something and the interworking of the job using the 80/20 rule
- Assignment to be completed by Day 2 – Improve a Work Process
Day 2 – Wowing the Customer
Key Skill Transfers to Take Away: Learning how to ask great customer questions, working with customers to identify goals and dreams and selling appropriate products to actualize dreams and goals.
- Present each team’s Day 1 assignment findings to the class – Improve a Work Process
- Expectations from top customers, whether they visit us at the branch or not
- Growing the client relationship – onboarding and all-aboarding
- Dream building insights – dreams you are finding through client encounters
- Establishing baseline service standards – hear the dream; pick the product
- Creating the ultimate UX (user/customer experience) – being a brand advocate
- Great cross-selling – asking great questions to get the client talking to discover dreams
- Data vs. data driven decision-making – discover ways to convert more relationships into business
- Streamlining your work processes – red carpet exercise
- iGen and millennial customers – trouble and opportunity ahead, must be able to manage relationships up and down with co-workers, and with customer relationships
- Develop leadership skills and wow your employer – they will take notice
- Team work and flexibility go both ways – employee and employer – there is no departmental – only one employer
- Assignment to be completed before Day 3 (for full series attendees only) – Dream and Red Carpet Exercise
Day 3 – Your Advisory Role
Key Skill Transfers to Take Away: Learning how to recognize a sales cue and a buying signal, and learning how to leverage technology and social media as tools to help customers reach financial goals.
- Present each team’s Day 2 assignment findings to the class – Dream and Red Carpet Exercise
- Bank products – What company products do you use?
- Growing the branch – The Bored Board Concept
- Listening for opportunities – recognizing the sales cue or life cycle event and matching the bank’s products to help clients
- The bank of the future – technology, artificial intelligence, and self service
- Transitioning your branch to meet emerging trends
- Team rewards – how does your team celebrate successes?
- Social skills at events and during work time – how do you interact with clients in the lobby? How do you make a positive impression representing the company while away from work?
- Social and business communication/etiquette
- Social media – what to share on Facebook, Twitter, etc. Does it represent you well?
- Assignment to be completed before Day 4 – Make a Bored Board
Day 4 – An Ambassadorship & Growth
Key Skill Transfers to Take Away: Learning to leverage interactions away from the workplace to capture additional business, and learning to best represent the bank away from work.
- Present each team’s Day 3 assignment findings to the class – Make a Bored Board
- Being an ambassador for your bank
- Consider people you talk to within the community who mention financial issues
- Networking with clients
- Referrals discussion
- Networking with referral sources and centers of influence
- Networking with prospects
- Building your network across lines of business at the company
- Skills practice: scenarios on being an ambassador for the bank
- Dress in public: better to overdress than under dress, and dress code standards at the company
- Doing it right the first time – proofreading for accuracy
- Assessing strengths and weaknesses – yours and the bank’s
- Community bank case study: What can you improve back at the bank? What recommendations do you have to executive these improvements?
- Summary of the series
- Action plan to bring improvements back to work
SPEAKER INFORMATION
Jennie Sobecki – Owner & CEO, Focused Results
Jennie is the Owner and CEO of Focused Results, LLC, a sales and marketing strategy, consulting, and training firm, concentrating in results-driven process consulting and training experience in community banks and FI’s. An expert in designing and implementing sales efforts and processes, she designs solutions to drive top line growth through better utilization and training of existing sales forces, including sales management.
Jennie is a graduate of Indiana University and has a certificate in consulting services from Ball State University. Prior to joining Focused Results, she was Director of Sales and Marketing for a $3 billion bank holding company, Sales Manager for a high performing mid-level bank, and Director of Corporate Training for a large Midwest insurance company. A charismatic speaker and consultant, Jennie consults with numerous financial service organizations on revenue, sales, sales leadership, and organizational performance.
LODGING INFORMATION
The NCBA has secured a discounted rate of $159/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please call the hotel directly at 919.872.2323 and ask for the NC Bankers Association discounted rate. This rate includes complimentary transportation to and from the North Hills Mall. The hotel is located two miles away from the NCBA.
Please note that attendees are responsible for securing their hotel reservations. Should you encounter any issues with your reservation, please contact Business Travel Sales Manager, Courtney Quatrara at 919.878.4914 or courtney.quatrara@hiltonraleighnh.com.
Registration will open on August 5.
Time: 9 am – 4 pm both days
Registration Rates
Total Program: $795 (Early Bird – 9/24) / $845 (Regular – after 9/24)
Day 1: IRA Essentials Only: $415 (Early Bird – 9/24) / $465 (Regular – after 9/24)
Day 2: Advanced IRAs Only: $415 (Early Bird – 9/24) / $465 (Regular – after 9/24)
Individuals can register for all days as a full package, or can register for any day a la carte. You can view topics for each day on the agenda (link above).
PROGRAM INFORMATION
Day 1 – IRA Essentials
You should register for this program if you need to learn the basics of Traditional and Roth IRAs or you want an updated, general refresher on IRA rules.
This session will give attendees a solid foundation of IRA knowledge. Exercises are included throughout the day to help participants apply information to job-related situations. Attendees will leave this session able to work with IRA owners and process basic IRA transactions with confidence. This is a beginner’s session; no previous IRA knowledge is assumed.
Course topics include:
- Introduction and Establishing IRAs
- Identify the tax differences of a Traditional and Roth IRA
- Examine the process for establishing an IRA and the required documents
- Differentiate between the types of beneficiaries
- IRA Funding
- Learn about the Traditional and Roth IRA eligibility requirements
- Identify the contribution limit and deadline
- Communicate contribution reporting deadlines
- IRA Distributions
- Identify federal income tax withholding requirements
- Examine IRS penalties and penalty exceptions
- Summarize the tax consequences of IRA distributions
- Communicate distribution reporting deadlines
- IRA Portability
- Differentiate between a rollover and a transfer
- Recognize rollovers between IRAs and employer-sponsored retirement plans
Day 2 – Advanced IRAs
You should register for this session if you are an IRA administrator, personal banker, or member services personnel who has a working knowledge of basic IRA operations and wishes to expand your expertise and provide enhanced customer service, a compliance specialist, or support personnel responsible for promotional materials.
This portion of the program will build on an attendees’ basic IRA knowledge to address some of the more complex IRA issues that their financial organizations may handle. This is an advanced session, and previous IRA knowledge is assumed. The instructor will use real-world examples to help participants apply information to job-related situations.
Course topics include:
- IRA Update
- Explain recent changes affecting IRA owners
- Discuss the current Roth modified adjusted gross income (MAGI) limits
- Recognize how recent changes may affect your financial organization
- Required Minimum Distributions
- Calculate a required minimum distribution (RMD)
- Discuss the RMD rules and reporting requirements
- Beneficiary Options
- Describe beneficiary distribution options
- Recognize the differences for spouse, nonspouse, and nonperson beneficiaries
- Explain beneficiary payment deadlines
- Advanced Portability
- Summarize the restrictions on the movement between IRAs
- Recognize the options available when moving from an employer-sponsored retirement plan to an IRA
- Explain the result of violating the portability restrictions
- Roth IRA Conversion Contributions
- Describe a conversion
- Explain the effect of withholding on a conversion
- Report a conversion
- Define the consequences of an ineligible conversion
- Withholding and Getting It Right
- List the possible penalties for failing to withhold
- Explain the withholding notice and election requirements
- Discuss how withholding is reported and transmitted to the IRS
- Describe foreign withholding requirements
SPEAKER INFORMATION
We are partnering with Ascensus on this program. Stay tuned for the speaker announcement!
LODGING INFORMATION
The NCBA has secured a discounted rate of $159/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please use the link below. The hotel is located two miles away from the NCBA.
Please note that attendees are responsible for securing their hotel reservations.