Posts tagged with "loan webinar"

9 Approaches to Cash Flow – Using Them in Underwriting Commercial Loans (2 – Part Series)

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There are at least nine approaches to assessing a borrower’s cash flow available for debt service.  Each provides a different perspective on sources and uses of cash.  Each has a role in underwriting and monitoring a lending relationship.

This webinar will compare alternative approaches to cash flow and demonstrate the appropriate application of each approach in assessing and monitoring a borrower’s financial performance.  The webinar will teach participants how to determine the maximum line of credit appropriate for a borrower and the factors which will determine when it is appropriate to convert revolving debt to amortizing debt.

After completing this 2-part credit training webinar, participants will be able to:

  • Compare nine approaches to quantifying cash flow
  • Discuss the pros and cons of various presentations of the statement of cash flows
  • Define the priorities for the use of cash and when it is appropriate to reorder those priorities e.g. term out a line of credit.
  • Assess the adequacy and volatility of cash flows and describe the impact on loan structure including term, collateral advance rates, coverage ratios and financial leverage
  • Project future cash flows using a projection tool
  • Employ the concepts in two case studies

Pricing

$395 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Date of Event

(Pt. 1) Thursday, April 18, 2019

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

(Pt. 2) Thursday, April 18, 2019

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide.  John is also a Consulting Associate for Capital Performance Group.

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Business Banking with Small Commercial Loans

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Small Business Lending Sample Slide

Small Business Lending Sample Presentation Slide

How to implement and manage small commercial loans…

Smaller business loans can be profitable if they are handled quickly, cheaply, and safely. Business banking necessitates dealing with borrowers who have shorter track records, thinner credit files, and skinnier financial statements.

Attendees to this loan webinar will learn about:

  • Credit considerations in lending to smaller businesses
  • Fitting small business lending into bank
  • Establishing standardized credit and operations processes and policies for small business lending (SBL)

Join Dev Strischek in this new loan webinar as he explains why smaller businesses borrow, what kinds of loans they need, how to analyze and underwrite them, and how to monitor and manage this unique portfolio.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Wednesday, March 27, 2019

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Dev Strischek
Principal, Devon Risk Advisory Group

About the Speaker

As the Principal for Devon Risk Advisory Group, Dev Strischek brings years of senior experience in financial services to his clients around the areas of risk policy, risk culture, and portfolio risk management. Dev also serves as a Member of the Private Company Council for FASB. Prior to those roles, Dev served for 18 years at SunTrust Bank, retiring as their Sr Vice President and Senior Credit Policy Officer for the bank. Dev is a frequent industry speaker on many aspects associated with credit risk and compliance, as well as loan policy best practices. He has also authored many industry trade articles on principles and practices, problems and issues relevant to risks that financial organizations must manage.

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Financial Statement Analysis for Lenders 2-Part Series

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A critical part of any lender’s or credit analyst’s job is analyzing a borrower’s financial condition. The analysis provides perspective on the borrower’s historical performance and provides the foundation for projecting future performance. The analysis should also become a tool to add value to the customer relationship. The lender or analyst can use his or her expertise combined with insight gained from the financial analysis to better focus bank products and services to meet customer needs.

This Loan Webinar will familiarize participants with fundamental analytical tools including component, comparative/common-size, ratio and cash flow analysis. Students will apply the tools in a case study.

After completing this online lending seminar, participants will be able to:

  • Employ “30 Second” analysis to determine if the lending opportunity is one the bank wants to pursue
  • Analyze a balance sheet, especially liquidity and leverage
  • Analyze an income statement, especially margins and profitability
  • Analyze asset efficiency
  • Utilize five approaches to cash flow analysis
  • Utilize a Loan Screening Worksheet built around the 5Cs of credit to assess a borrower’s credit worthiness
  • Apply the concepts in a case study

Who Should Attend?

  • Credit Analysts
  • Commercial and Small Business Lenders
  • Branch Managers
  • Private Bankers
  • Loan Review Personnel

Pricing

$395 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

(Pt. 1) Tuesday, March 26, 2019

  • 12:00 – 1:30 pm (Eastern Time)
  • 11:00 – 12:30 pm (Central Time)
  • 10:00 – 11:30 am (Mountain Time)
  • 9:00 – 10:30 am (Pacific Time)

(Pt. 2) Tuesday, March 26, 2019

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 3.6 AAP Credits
  • 3.0 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

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Commercial Lending Fundamentals: 101, 201 301

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This 3-part Loan Webinar Bootcamp is designed to give banks and credit unions the insights and resources needed to understand how to properly set-up Commercial Loans from due diligence through booking and documentation. This 3-part Commercial Loan Webinar series is perfect not only for those new to Commercial Lending, but a great refresher for the seasoned lender or executive wanting to ensure compliance with current best practices and regulations.

Sign up for 1, 2 or all 3 Parts!

Commercial Loan 101

Basics of Commercial Lending and Analysis

Monday, March 11, 2019

  • 2:00 – 3:00 pm ET
  • 1:00 – 2:00 pm CT
  • 12:00 – 1:00 pm MT
  • 11:00 – 12:00 pm PT

Commercial Loan 201

Structuring Commercial Loans and Covenants Properly  

Tuesday, March 12, 2019

  • 2:00 – 3:00 pm ET
  • 1:00 – 2:00 pm CT
  • 12:00 – 1:00 pm MT
  • 11:00 – 12:00 pm PT

Commercial Loan 301

Documentation Basics and Best Practices

Wednesday, March 13, 2019

  • 2:00 – 3:00 pm ET
  • 1:00 – 2:00 pm CT
  • 12:00 – 1:00 pm MT
  • 11:00 – 12:00 pm PT

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker

Robert Dyck
Principal
The Credit Culture and Robert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

Register Now Pay by Check

About the Speaker

As a banker for 37 years and a Chief Credit Officer, Robert feels strongly about the quality of loan officers and the need for more credit training. He has been instrumental in educating credit professionals through Robert Dyck Consulting and The Credit Culture.

Prior to dedicating himself to improving the knowledge base of bankers and credit union professionals across the country, Robert was the Executive Vice President and Chief Credit Officer for 15 years at Pacific Western Bank and PacWest Bancorp. He has been a regular instructor for BankersHub in all aspects of Commercial Lending.

Commercial Lending Fundamentals: 101, 201 301

Register Now

This 3-part Loan Webinar Bootcamp is designed to give banks and credit unions the insights and resources needed to understand how to properly set-up Commercial Loans from due diligence through booking and documentation. This 3-part Commercial Loan Webinar series is perfect not only for those new to Commercial Lending, but a great refresher for the seasoned lender or executive wanting to ensure compliance with current best practices and regulations.

Sign up for 1, 2 or all 3 Parts!

Commercial Loan 101

Basics of Commercial Lending and Analysis

Monday, March 11, 2019

  • 2:00 – 3:00 pm ET
  • 1:00 – 2:00 pm CT
  • 12:00 – 1:00 pm MT
  • 11:00 – 12:00 pm PT

Commercial Loan 201

Structuring Commercial Loans and Covenants Properly  

Tuesday, March 12, 2019

  • 2:00 – 3:00 pm ET
  • 1:00 – 2:00 pm CT
  • 12:00 – 1:00 pm MT
  • 11:00 – 12:00 pm PT

Commercial Loan 301

Documentation Basics and Best Practices

Wednesday, March 13, 2019

  • 2:00 – 3:00 pm ET
  • 1:00 – 2:00 pm CT
  • 12:00 – 1:00 pm MT
  • 11:00 – 12:00 pm PT

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker

Robert Dyck
Principal
The Credit Culture and Robert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

Register Now Pay by Check

About the Speaker

As a banker for 37 years and a Chief Credit Officer, Robert feels strongly about the quality of loan officers and the need for more credit training. He has been instrumental in educating credit professionals through Robert Dyck Consulting and The Credit Culture.

Prior to dedicating himself to improving the knowledge base of bankers and credit union professionals across the country, Robert was the Executive Vice President and Chief Credit Officer for 15 years at Pacific Western Bank and PacWest Bancorp. He has been a regular instructor for BankersHub in all aspects of Commercial Lending.

Commercial Lending Fundamentals: 101, 201 301

Register Now

This 3-part Loan Webinar Bootcamp is designed to give banks and credit unions the insights and resources needed to understand how to properly set-up Commercial Loans from due diligence through booking and documentation. This 3-part Commercial Loan Webinar series is perfect not only for those new to Commercial Lending, but a great refresher for the seasoned lender or executive wanting to ensure compliance with current best practices and regulations.

Sign up for 1, 2 or all 3 Parts!

Commercial Loan 101

Basics of Commercial Lending and Analysis

Monday, March 11, 2019

  • 2:00 – 3:00 pm ET
  • 1:00 – 2:00 pm CT
  • 12:00 – 1:00 pm MT
  • 11:00 – 12:00 pm PT

Commercial Loan 201

Structuring Commercial Loans and Covenants Properly  

Tuesday, March 12, 2019

  • 2:00 – 3:00 pm ET
  • 1:00 – 2:00 pm CT
  • 12:00 – 1:00 pm MT
  • 11:00 – 12:00 pm PT

Commercial Loan 301

Documentation Basics and Best Practices

Wednesday, March 13, 2019

  • 2:00 – 3:00 pm ET
  • 1:00 – 2:00 pm CT
  • 12:00 – 1:00 pm MT
  • 11:00 – 12:00 pm PT

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker

Robert Dyck
Principal
The Credit Culture and Robert Dyck Consulting

Robert Dyck Principal of Robert Dyck Consulting

Register Now Pay by Check

About the Speaker

As a banker for 37 years and a Chief Credit Officer, Robert feels strongly about the quality of loan officers and the need for more credit training. He has been instrumental in educating credit professionals through Robert Dyck Consulting and The Credit Culture.

Prior to dedicating himself to improving the knowledge base of bankers and credit union professionals across the country, Robert was the Executive Vice President and Chief Credit Officer for 15 years at Pacific Western Bank and PacWest Bancorp. He has been a regular instructor for BankersHub in all aspects of Commercial Lending.

Cash Flow Projections for Assessing Borrower’s Ability to Repay

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How to forecast a borrower’s ability to repay its obligations over the term of a loan.

One of the most basic analytical and underwriting tools a banker must have is the ability to determine whether a borrower can repay its loans based on the financial information available.

Join Dev Strischek in this critical lending webinar as he shows how to use a borrower’s historic financials to project balance sheet, income statement, and cash flows over the term of a loan.

Learn key assumptions in a projection and how to assess validity, the value of a downside-most likely projection to stress test the assumptions.

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally

Dates of Event

Thursday, March 7, 2019

  • 12:00 – 1:00 pm (Eastern Time)
  • 11:00 – 12:00 pm (Central Time)
  • 10:00 – 11:00 am (Mountain Time)
  • 9:00 – 10:00 am (Pacific Time)

Credits

  • 1.2 AAP Credits
  • 1.0 CPE Credits

Your Speaker(s)

Dev Strischek

Principal, Devon Risk Advisory Group

About the Speaker

As the Principal for Devon Risk Advisory Group, Dev Strischek brings years of senior experience in financial services to his clients around the areas of risk policy, risk culture, and portfolio risk management. Dev also serves as a Member of the Private Company Council for FASB. Prior to those roles, Dev served for 18 years at SunTrust Bank, retiring as their Sr Vice President and Senior Credit Policy Officer for the bank. Dev is a frequent industry speaker on many aspects associated with credit risk and compliance, as well as loan policy best practices. He has also authored many industry trade articles on principles and practices, problems and issues relevant to risks that financial organizations must manage.

Register Now Pay by Check

Key Lender Mistakes in Underwriting and Structuring Commercial Loans

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Executive management and lenders often attribute portfolio loan problems to borrower mistakes or failures in management. Unfortunately, in many instances, it is the lenders who have contributed to the borrower’s problems. This loan webinar will focus on key lender mistakes which precipitate or exacerbate portfolio loan problems.

Attendees will leave with an understanding of the following mistakes and ways to avoid them:

  • Mistake 1: Failing to Distinguish Between a Temporary Investment in Current Assets and a Permanent Investment
  • Mistake 2: Inappropriately Financing Working Capital
  • Mistake 3: Putting the Customer in the Wrong Loan Product
  • Mistake 4: Inappropriately Defining Cash Flow Available for Debt Service
  • Mistake 5: Failing to Have a Structured Approach to Determine When to Say Enough is Enough i.e. Term Out a Line of Credit
  • Mistake 6: Failing to Establish Expectations with the Customer
  • Mistake 7: Over Reliance on Collateral and Guaranties
  • Mistake 8: Multiple Exceptions/Variances to Approve a Loan
  • Mistake 9: Failing to Provide Adequate Attention to the Bank’s Good Customers

Who should attend?

  • Lenders and Underwriters
  • Credit Analysts and Administrators
  • Loan Auditors and Examiners
  • Loan Review and Special Assets Personnel
  • Bank and Credit Union Executives, Directors and Chief Lending Officers

Pricing

$249 for Webinar and Playback*
*Playback has no expiration and may be shared internally. This event was previously recorded.

Dates of Event

Wednesday, February 27, 2019

  • 2:00 – 3:30 pm (Eastern Time)
  • 1:00 – 2:30 pm (Central Time)
  • 12:00 – 1:30 pm (Mountain Time)
  • 11:00 – 12:30 pm (Pacific Time)

Credits

  • 1.8 AAP Credits
  • 1.5 CPE Credits

Your Speaker

John Barrickman
President, New Horizons Financial Group

John Barrickman

About the Speaker

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide.  John is also a Consulting Associate for Capital Performance Group.

Register Now Pay by Check

Consumer Lending Compliance 101, 201, 301: Laws, Regulations and Processing Requirements (3 Part Webinar Series)

Register Now

As many banks can attest, staying abreast of ever-changing and increasingly complex regulatory requirements, expectations, and industry practices is a daunting challenge. Given the increased focus on consumer protections, it is even more critical for banks to be in compliance with consumer lending regulations.  This 3–part loan webinar series will help financial institutions address these challenges by explaining the range of rules, regulations and regulatory standards that apply to non-mortgage consumer lending transactions.

Sessions 101 and 201 provide an overview of key regulations and requirements. Session 301 explains the application of these regulatory requirements to the day-to-day operations of your consumer lending program.

Sign up for 1, 2 or all 3 Parts!

Consumer Loan Regs 101

Overview of Consumer Lending Laws and Regulations

Tuesday, February 19, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Regulation B: ECOA (including adverse actions, withdrawals, counteroffers)
  • Regulation Z: TILA
  • Regulation P: GLBA

Consumer Loan Regs 201

Advanced Consumer Lending Laws and Regulations

Wednesday, February 20, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Lending to service-members (SCRA, MLA) (including modifications and waiver of benefits)
  • FCRA (including pre-screening rules)
  • FDCPA
  • UDAAP

Consumer Loan Regs 301

Application of Regulatory Requirements on Process

Thursday, February 21, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Building on the fundamentals reviewed in 101 and 201, this training session will explain the compliance requirements at various stages in the consumer loan process, from marketing to collections, and provide best strategies to ensure compliance.

  • Identifying and mitigating compliance risks associated with consumer lending
  • Component policies and procedures that should be included with your CMS program
  • Post-screening firm offers of credit
  • Affiliate marketing rules
  • Avoiding UDAAP claims and violations

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker(s)

Dena Somers

Dena Somers, Esq
Founder
finregPARTNERS

About the Speaker

Dena Somers is a highly regarded bank consultant and compliance attorney. She has provided regulatory compliance and risk management consulting services to financial institutions and companies in highly regulated industries nationwide for more than 20 years. Her areas of expertise include consumer and mortgage lending compliance, Fintech and specialty finance, regulatory compliance training, business strategy and best practice advisement, and corporate governance.

Throughout her career, Ms. Somers has advised hundreds of banking and financial institutions— ranging from local community banks to $50 billion financial holding companies— to achieve operational efficiency while ensuring regulatory compliance. Previously, Ms. Somers served as General Counsel to a national mortgage servicing company, Fintech lender, national money service business, and has represented financial institutions in a broad array of complex litigation matters for more than 15 years. Additionally, Ms. Somers is a published author for Lexis Nexis in the areas of Bank Teller training, loan policies, and loan documentation training.

Register Now Pay by Check

Consumer Lending Compliance 101, 201, 301: Laws, Regulations and Processing Requirements (3 Part Webinar Series)

Register Now

As many banks can attest, staying abreast of ever-changing and increasingly complex regulatory requirements, expectations, and industry practices is a daunting challenge. Given the increased focus on consumer protections, it is even more critical for banks to be in compliance with consumer lending regulations.  This 3–part loan webinar series will help financial institutions address these challenges by explaining the range of rules, regulations and regulatory standards that apply to non-mortgage consumer lending transactions.

Sessions 101 and 201 provide an overview of key regulations and requirements. Session 301 explains the application of these regulatory requirements to the day-to-day operations of your consumer lending program.

Sign up for 1, 2 or all 3 Parts!

Consumer Loan Regs 101

Overview of Consumer Lending Laws and Regulations

Tuesday, February 19, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Regulation B: ECOA (including adverse actions, withdrawals, counteroffers)
  • Regulation Z: TILA
  • Regulation P: GLBA

Consumer Loan Regs 201

Advanced Consumer Lending Laws and Regulations

Wednesday, February 20, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Gain a comprehensive understanding of the current regulatory environment and regulations that apply to consumer financial transactions. Examples of enforcement actions will also be discussed to maximize understanding of consumer regulations.

  • Lending to service-members (SCRA, MLA) (including modifications and waiver of benefits)
  • FCRA (including pre-screening rules)
  • FDCPA
  • UDAAP

Consumer Loan Regs 301

Application of Regulatory Requirements on Process

Thursday, February 21, 2019

  • 12:00 – 1:00 pm ET
  • 11:00 – 12:00 pm CT
  • 10:00 – 11:00 am MT
  • 9:00 – 10:00 am PT

Building on the fundamentals reviewed in 101 and 201, this training session will explain the compliance requirements at various stages in the consumer loan process, from marketing to collections, and provide best strategies to ensure compliance.

  • Identifying and mitigating compliance risks associated with consumer lending
  • Component policies and procedures that should be included with your CMS program
  • Post-screening firm offers of credit
  • Affiliate marketing rules
  • Avoiding UDAAP claims and violations

Pricing

$549 for all 3 Sessions plus Playbacks*
$249 for individual Session plus Playback*

* Playbacks do not expire and may be shared internally.

Credits

3.6 AAP Credits
3.0 CPE Credits

Your Speaker(s)

Dena Somers

Dena Somers, Esq
Founder
finregPARTNERS

About the Speaker

Dena Somers is a highly regarded bank consultant and compliance attorney. She has provided regulatory compliance and risk management consulting services to financial institutions and companies in highly regulated industries nationwide for more than 20 years. Her areas of expertise include consumer and mortgage lending compliance, Fintech and specialty finance, regulatory compliance training, business strategy and best practice advisement, and corporate governance.

Throughout her career, Ms. Somers has advised hundreds of banking and financial institutions— ranging from local community banks to $50 billion financial holding companies— to achieve operational efficiency while ensuring regulatory compliance. Previously, Ms. Somers served as General Counsel to a national mortgage servicing company, Fintech lender, national money service business, and has represented financial institutions in a broad array of complex litigation matters for more than 15 years. Additionally, Ms. Somers is a published author for Lexis Nexis in the areas of Bank Teller training, loan policies, and loan documentation training.

Register Now Pay by Check