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Check the Calibration of your Lending Compass

Webinar

11 AM CT

Duration: 60 min

Price: $249 / FREE for Affiliation Members

Community banks have suffered tremendously in the current crisis… more than they deserve from a crisis that was not primarily of their own making. The survivors have paid dearly but what has been learned from the mistakes of others and internalized education?

This webinar will follow the format of a checklist that our expert, Dick Yowell, developed based on his consulting practice assisting community banks in their recovery and assisting the FDIC in dismantling a failed institution. The excesses and abuses observed in those institutions are not confined to those specific institutions and lessons learned can be valuable to you. The discussion is intended to provide you with a tool for taking an overall view of your lending practices to ensure you profit from what Dick has seen and learned.

Examples of lending activities that will be discussed are:

Director and Committee Involvement
Lender Selection, Training , Development and Compensation
Loan Policy Updating
Underwriting Standards
Portfolio Management
Problem Asset Management

You will be provided with a list of questions you can use to guide your assessment of different areas within your bank to formulate or modify standards and practices to conform to recent experience.

Richard K. Yowell

During his 25+ years as a banker, Dick Yowell was twice the CEO of community banks in turnaround situations. Dick's efforts included:

Designing and executing a recovery process for troubled loan portfolios,
Reducing criticized assets,
Increasing profitability from .54% of assets to 1.40%,
Building a portfolio of small business loans that increased the loan-to-deposit ratio from 28% to 70% with no increase in criticized assets.

During his bank management career, Dick served on the on the Board of Directors of the Virginia Bankers Association, was a founding member of the Board of Directors of the Virginia Automated Clearing House Association and served as a member of the Executive Committee of the Community Bankers Division of the American Bankers Association. He joined the ABA staff to establish the Community Bankers Division as a free-standing unit, with its own legislative agenda and responses to the changing political and economic landscape.

Dick left banking as a practitioner in the mid-1980's to become a consultant. He built a practice assisting troubled institutions under supervisory agreements, leading eight such engagements personally. He has published articles and delivered numerous training sessions on banking subjects for the ABA, BAI, RMA and various state banking associations. Dick is a graduate of the University of Virginia and a U.S. Army veteran.

Sheshunoff Consulting + Solutions is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite 700, Nashville, TN, 37219-2417. Web site: www.nasba.org.
Delivery Method: Group Internet-based • CPE Credits: 1 • Program Level: Overview • Prerequisites: None • Advance Preparation: None

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