Webinar: Consumer Real Estate Loans: Step-by-Step
May 11, 2023 3:00 pm - 4:30 pm
Lending is the heartbeat of your financial institution.
With so many regulations governing consumer loan compliance, what exactly should be your focus? This webinar will map out an example of a consumer RE loan from beginning to end. You’ll learn all the details, plus get insight on what examiners are watching.
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
- Prevent fair lending issues from initial conversations through closing
- Understand E-SIGN requirements for electronic disclosures
- Gather required GMI and HMDA data
- Determine if appropriate flood insurance is in place
- Review appraisal requirements
- Avoid TRID errors on loan estimates and closing disclosures
- Use provided checklists to verify loan file documentation
WEBINAR DETAILS
Perhaps no financial product or service is “touched” by more regulatory requirements than a consumer real estate loan. From the first discussions with the borrower, to the application, to the closing table, regulations guide each stage of the loan process. This webinar will walk through a sample consumer real estate loan from application to closing. It will address the regulatory compliance issues that impact the loan, your institution, and the borrower. In addition, it will highlight the issues examiners are citing the most and share best practices for avoiding costly errors.
WHO SHOULD ATTEND?
This informative session is designed for consumer mortgage loan officers, loan operations personnel, compliance officers, and internal auditors.
TAKE-AWAY TOOLKIT
- Consumer real estate loan documentation checklist
- Flood insurance determination worksheet
- Sample changed circumstance form
- Employee training log
- Interactive quiz
- PDF of slides and speaker’s contact info for follow-up questions
- Attendance certificate provided to self-report CE credits
Speaker: Dawn Kincaid, Brode Consulting Services, Inc.
Dawn Kincaid began her banking career while attending The Ohio State University. She has over 20 years’ experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Dawn served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized the implementation of new products and services.
Dawn has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer. She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits and exams, and presented for numerous state associations.
Brode Consulting Services has been providing exceptional consulting services to community banks since 1998. Their consultants have extensive experience in the industry and understand the needs and challenges of community banks. Founder, Bill Brode, started in banking in 1973 and transitioned to consulting in 1989. He started his own consulting firm in 1998 to continue providing community banks with top-notch consulting services, including strategic planning, lending, compliance, and marketing. Brode Consulting Services is dedicated to exceeding client expectations and has worked with community banks and associations across the country.