CUNA Member Business Compliance eSchool (recorded 2013)

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AW6MBC13

Sep. 19, 2013 - Mar. 19, 2014 

This recorded event is available until March 19, 2014.

Learn to write an effective Member Business Lending (MBL) policy and identify risks in your existing operations in regards to serving businesses. The small business member may be a perfect fit for your credit union portfolio. However, serving the business member can be complicated, adding new areas of risk if not handled properly. This five session eSchool was designed to provide a regulatory analysis of common compliance issues that accompany serving small businesses.

Who Should Attend

This eSchool is beneficial for credit union compliance professionals and anyone dealing with member business lending. Affiliation with CUNA/League is required for attendance.

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AW6MBC13

Sep. 19, 2013 - Mar. 19, 2014 

Class 1:

NCUA MBL Requirements

  • NCUA MBL requirements
  • Exceptions from MBL Requirements
  • MBL aggregate limits for the CU and limits for individual members or a group of associated members
  • Waivers from the MBL requirements

Class 2:

Business and Organizational Accounts - Understanding Structure and Authority

  • Do you know the difference between a sole proprietor, a partnership, a limited partnership, a corporation and a limited liability company?
  • Do you know how, where, and why to check with the corporate records division of your secretary of state?
  • Who do you OFAC - the member, the applicant, the entity, the partners or everyone?  
  • Why does it matter to you what business organizational structure the business member adopts?

Class 3:

Business Deposit Account Documents and Loan Forms - Do Your Forms Protect Your Assets

  • How do you legitimate a statutory lien on deposits?
  • How do you perfect a blanket security interest and what is it?
  • How do you keep from taking a lien on collateral the member does not own?
  • Does consumer law privacy restrictions apply to business accounts?
  • How does a signor bind a corporation, partnership, LLC, and a sole proprietorship?

Class 4:

MBL Credit Risk

  • An overview of MBL credit risk and how it differs from consumer credit risk
  • The 5 Cs of credit (Capacity, Capital, Collateral, Character, Conditions)
  • Key components of a risk rating matrix
  • Risk management via commitment letters and loan covenants
  • Monitoring and managing MBL credit risk during the life of an MBL

Class 5:

Key Components for an MBL Policy

  • Update with current supervisory letters
  • Appraisal policy keys of review
  • Participation policy topics
  • Concentration concerns and policy remedies
  • Major issues in the integration of a risk rating policy
  • Portfolio management and areas of review
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AW6MBC13

Sep. 19, 2013 - Mar. 19, 2014 

Frank DrakeDrake, Frank

Frank is a partner at the Raleigh-based firm of Smith Debnam Narron Drake Saintsing & Myers LLP where he concentrates his law practice in the areas of creditors' rights, creditors' bankruptcy and commercial litigation.

Combining 30 years of practical legal experience with a robust, energetic communication style, Frank lectures from his sizeable repertoire of topics, typically of interest to those in the financial industry. Whether leading a basic training on bankruptcy or teaching a seminar on hot compliance issues, Frank has a flair for presenting technical material in an entertaining way sending his audience away with useful tips and practical resources.

Frank has worked with credit unions, banking and financial institutions, consumer and commercial lenders, and student loan agencies to enforce contracts, minimize losses, and fight fraud. As federal regulatory compliance has become increasingly complex, he also assists lenders with difficult compliance issues.

Joe HyattHyatt, Joe

Joe is the chief credit officer for DFTC, Inc. with over 13 years' experience as an accountant, a senior commercial lender, commercial credit analyst and a sales/business development officer. He has worked in a number of financial institutions and industries in the private sector. Joe's broad range of experience provides a unique blend of skilled credit analysis and business relationship development acumen. 

Over the course of Joe's career, he has managed sizable commercial loan portfolios and has underwritten in excess of half a billion dollars in C&I and CRE loans. Specifically, Joe has extensive underwriting knowledge with small to mid-sized hospitality facilities, retail shopping centers, church and religious organizations, multi-tenant office/mixed use properties and multi-family facilities. In recent years, he has spearheaded the start-up and growth of commercial lending operations and subsequent portfolio management for financial institutions. His scope of knowledge spans all facets of commercial loan policy, regulatory compliance, commercial loan types and structures, and the intricacies of commercial loan origination. His experience enables Joe to provide "real world" solutions for the challenges faced by front line commercial lenders. His accounting background and commercial underwriting certifications give Joe a robust understanding of financial data, financial reporting and financial analysis. 

Dana SumnerSumner, Dana

With over 25 years as a commercial lender working for some of the largest banks in the country, Dana brings a practical, hands on approach to commercial lending and senior management. In the capacity of senior commercial lender, he had the opportunity to be involved in all aspects of commercial lending. In 2003, Dana started Development Finance Training and Consulting Inc. to offer commercial loan training and consulting services nationally. He has trained thousands of lenders across the country in the areas of portfolio management, risk management, ALLL management, credit analysis, loan underwriting, problem loan resolution, documentation, financial analysis and entrepreneurial assistance.

Dana has provided programs for the Credit Union National Association, Small Business Administration, National Association of Development Organizations, Rural Development, USDA., New England College of Finance, Credit Union and bank associations and numerous individual banks and credit unions. In addition to facilitating commercial credit training, Dana has worked one on one with banks and credit unions nationwide in establishing and improving all areas of their commercial lending departments. This has included pre-regulatory loan exam, correspondent banking review, FAS 114 and FAS 5 methodology, large credit underwriting, participations, policy and procedure creation and process implementation. He has also provided senior management assistance to financial institutions by working as interim CEO and Senior Lender during times of transition. Dana has considerable experience working with NCUA and state regulatory bodies to turn credit unions around that have been placed in Special Actions, issued Cease and Desist orders and DOR compliance.

Mike McClain

Mike is assistant general and senior compliance counsel at Credit Union National Association (CUNA) in Madison, Wisconsin and is licensed to practice law in both Ohio and Pennsylvania. He works with CUNA's Center for Professional Development to ensure its products and services are in compliance with and accurately portray federal regulations affecting credit unions. He also answers compliance questions from state credit union leagues and credit unions. Mike is also a regular contributor of compliance related articles to CU Magazine.

Prior to joining CUNA's legal department, Mike served for approximately ten years as vice president and corporate counsel for a $300 million credit union in northeast Ohio and held the same positions for nearly two years at a $500 million credit union in central Pennsylvania.

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AW6MBC13

Sep. 19, 2013 - Mar. 19, 2014 

Live Session

This is a recording of an event held September 19, 2013. View upcoming events.

Sessions

Only interested in a specific topic? Select individual sessions are available for $219-$438 each.

  • NCUA MBL Requirements
  • Business and Organizational Accounts - Understanding Structure and Authority
  • Business Deposit Account Documents and Loan Forms - Do Your Forms Protect Your Assets
  • MBL Credit Risk
  • Key Components for an MBL Policy

See a full list of upcoming events.

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AW6MBC13

Sep. 19, 2013 - Mar. 19, 2014 

CUNA recorded events allow you to see and hear a presentation and refer to handouts. Attendees also have access to the speaker contact information for asking questions. With topics spanning all credit unions' business areas, CUNA Training Bundle provides unlimited access to all live and recorded CUNA webinars, eSchools and audio conferences for all staff, managers and board members.

Accessing Your Recorded Event

You need a computer with an Internet connection to participate.

Recorded events are available within 48 hours of the live event. Recorded events can be accessed by anyone at your credit union by logging into My Programs using your CUNA website username and password.

Discounts

CUNA Council members and CUNA Volunteer Network members receive a $100 discount. Your final price will be visible at checkout.

Please note: Only one discount available per registration.

100% Guarantee

CUNA is committed to providing a quality learning experience. If for some reason you are not fully satisfied, contact us and we'll provide you a full tuition refund or credit.

Cancellations

Cancellations received in writing (via fax 608-231-4327) before September 19, 2013 are eligible for a refund of the amount paid minus a $200 administrative fee. No refunds will be granted for cancellation requests received on or after September 19, 2013 or for registrations received on or after September 19, 2013. Substitutions are accepted anytime prior to September 19, 2013 at no additional cost. Simply fax event and contact information, listing the new participant and who they will be replacing.

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AW6MBC13

Sep. 19, 2013 - Mar. 19, 2014 

After registration, recorded events can be accessed by anyone at your credit union by logging into My Programs using your CUNA website username and password. Recorded events are available within 48 hours of the live event.
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