Telephone – Webcast – Audio/Visual CD Rom

Supporting Documentation for the ALLL: What the Examiners Want

Thursday, March 27, 2008

12:00 – 1:30 PM Pacific Time           2:00 – 3:30 PM Central Time

1:00 – 2:30 PM Mountain Time        3:00 – 4:30 PM Eastern Time

Recent supervisory recommendations for financial institutions relating to the Allowance for Loan & Lease Losses (ALLL) deal with the methodology of the allowance as opposed to the adequacy.  Documentation is one of the keys regulators look for in an examination. In ALLL methodology regulators are looking for:

1. Policies and procedures that describe how a bank segments its portfolio.
2. Policies and procedures for determining how to measure the impairment of those loans that are individually evaluated, as per FAS 114.
3. A methodology for how to determine and measure the impairment in groups of loans or portfolios of loans with similar characteristics as required under FAS 5.

This presentation will focus on developing support documentation of the ALLL analysis.

HIGHLIGHTS

• Regulatory guidance:
• Expectations of Management
• Estimation of Credit Losses
• Supporting Documentation
• Segmentation of Portfolio
• Loan mix - trends
• Concentration – products, collateral type, industry
• High risk segments – both commercial and retail
• Analysis of risk potential
• Market analysis
• Assessing high risk portfolio segments
• Stress testing portfolio segments

WHY SHOULD YOU PARTICIPATE?

This session is a cost-effective way to help your bank with the support documentation needed for the ALLL analysis. You may train as many individuals as you like for one set price.  There will be no travel costs, time lost from work, and no one will be required to leave the institution.

WHO SHOULD ATTEND?

This informative session is designed for board of director members, senior management, risk managers, individuals responsible for preparing the ALLL quarterly document.

ABOUT THE PRESENTER –   S. Wayne Linder, Young & Associates, Inc.

A twenty-year banking veteran, Wayne Linder was formerly the Chief Executive Officer of a community bank. As a Senior Consultant with Young & Associates, Inc., Wayne works as a lending and management consultant. He performs loan reviews, fair lending reviews, and regulatory compliance audits, facilitates strategic planning retreats; assists banks under regulatory enforcement agreements, performs management and board of directors’ assessments, and develops and implements written policies throughout all areas of the bank. Wayne is a popular seminar speaker with both national and international experience. In addition to his many published articles, he is the author of Loan Review Deskbook.

WHAT IS A TELEPHONE/WEBCAST SEMINAR?

This training method allows unlimited listeners on your office speaker phone.  By choosing the webcast option, participants will also be able to view online visuals as the presentation is delivered. Registrants receive a toll-free number and pass code that will allow entrance to the seminar.  The session will be one hour and fifteen minutes in length with an additional fifteen minutes for questions and answers.  Seminar materials will be sent prior to the broadcast along with hook up instructions. Your pin number, hookup instructions and handouts can be emailed to you or sent U.S. Mail.  If you would like them emailed you will need the most current version of Adobe Acrobat Reader available free at www.adobe.com.

CAN’T ATTEND THE SCHEDULED TRAINING?  SCHEDULE YOUR OWN TRAINING SESSION!  

ORDER THE AUDIO/VISUAL CD ROM*.

The CD Rom is complete with the audio track and visual presentation from the original webcast, question & answer sessions, plus participant handouts.   You will also have the ability to contact the presenter with follow-up questions. With this CD, you will have an “off-the-shelf” training program for your review, for use by those who were not able to attend the live seminar or for future training purposes. Affordable, professional training, when and where you choose!

*CD Rom for PC use only