Lending Training Programs

Credit Analysis Summit
March 18, 2014
Dallas, TX

About the Summit
This one day program is designed to introduce critical financial and non-financial credit analysis considerations, documentation, monitoring and other important factors central to the review of most major loan types. The program emphasizes ratio analysis, balance sheet and income statement trends, SFAS 95 cash flow analysis and non-financial considerations critical to sound underwriting principles.


  • Credit Analysis Procedures
  • Financial Statement Analysis
  • Non-Financial Credit Considerations
  • The Credit Write-Up
  • Regulatory Underwriting Expectations
  • Grading of Credits

Who Should Attend
This summit will benefit real estate lenders and others involved with lending on real estate, loan review personnel, credit administration, accountants, other consultants, and regulators.

Learn more here.


Advanced Credit Analysis
March 19-20, 2014
Dallas, TX

About the Summit
Designed for a more experienced audience, this two day program covers financial statement analysis concepts and SFAS 95 cash flow analysis in more depth, applying UCA cash flow analysis to specific types of loans. Case studies are used extensively to cover underwriting issues, policy guidelines, working capital needs, business risks, collateral valuation, borrowing base financing, and other issues as they pertain to commercial credits.

Topics Include:

  • Current Trends in Banking
  • Peer Group Discussion - Issues and Problems
  • Overview of Financial Statement Analysis
  • Software Applications Case Studies - General Commercial Financing
  • Business risks
  • Industry ranking
  • Collateral valuation
  • Underwriting issues
  • Policy Guidelines
  • Interim Construction Financing
  • Special Financing

Who Should Attend
This summit will benefit real estate lenders and others involved with lending on real estate, loan review personnel, credit administration, accountants, other consultants, and regulators.

Learn more here.


 Lending Compliance Summit
April 17-18, 2014
San Antonio, TX

About the Summit

Join IBAT’s general counsel, Karen Neeley, as we present our twelfth annual Lending Compliance Summit. The program will include moderated “best practices” sessions. Come for the latest information and an unparalleled opportunity to network and share ideas with your peers! This Summit will provide an overview of recent regulatory changes, litigation of interest, as well as practical recommendations for implementation at community banks.


  • Human Resources
  • Marketing
  • Fair Lending
  • Home Equity Lending
  • Unfair, Deceptive, Abusive Acts and Practices
  • Integrated Disclosure
  • Third Party Vendors

Who Should Attend
This Summit will benefit anyone responsible for the lending and compliance departments of community financial institutions.

Learn more here.

Flood Insurance Update

In a surprise move, House Majority Leader Eric Cantor announced last week that the Senate's flood insurance "fix" legislation will be considered during the week of February 24.  

As reported last week in the IBAT Bottom Line, the Senate previously passed a four year delay on increasing flood insurance premiums, and a review of what many consider to be flawed FEMA maps.  The House action is surprising in light of the $60 billion/year price tag on such a delay.  It was previously rumored that House leadership was working on an alternative plan.

As is typical, there is certainly much that can change between now and the time that the bill gets to the House floor. With fingers crossed, however, IBAT and ICBA are pleased to see the House moving forward to delay and/or phase in steep premium increases that will significantly affect Texas coastal residents as well as a number of other areas of Texas.

Mortgage Rules Survey Results

The full results of IBAT's recent member survey on the impact of the new CFPB mortgage rules are now available.  Since the rules began to take effect on January 10, IBAT has heard from a number of members who have decided to exit mortgage lending or are considering doing so.  All comments provided in the survey have been stripped of identifying information.

Much of this member response, along with the full survey results, has been passed along to the House Financial Services Committee, which is also engaging in data collection on the harmful effects of CFPB rules via its "Tell Your Story" site, found here.  IBAT President and CEO Chris Williston and Executive Vice President Steve Scurlock personally presented the results to CFPB staff in Washington in early February.

Over the next several weeks, IBAT will be contacting bankers around the state to participate in media outreach on the issue.  "We think it's important to keep up a 'full court press' on this issue," said Williston.  "On the heels of a recession, with an economy that remains fragile in so many areas of the country, it seems ludicrous to perpetuate policies that limit credit availability and prevent community banks from engaging in the relationship lending practices that have made them successful," he added.  

Many thanks to those who participated in the survey.  

Baker Market Update

Janet Yellen may never get to stand on an Olympic podium, but at barely five feet tall, she did become the first ever Fed Chairman to get a booster chair when she testified this week before the House Financial Services Committee. Ms. Yellen offered reassurance that the current, accommodative monetary policy shaped by Ben Bernanke (and herself) would continue. She also reiterated that the gradual reduction of asset purchases was not on a pre-set course and future tapering would be conditioned on, well, conditions. No surprises there. What was surprising was that it snowed more in South Carolina than in Sochi.

A surprise of another kind was the .4% decline in Retail Sales last month... Read more in the Baker Market Update.


President's Day

In honor of President's Day, the IBAT offices will be closed on Monday, February 17, 2014. We will resume to regular office hours on Tuesday, February 18, 2014. 

Industry Update

Last Friday, IBAT held its first Associate Member Industry Update Call of 2014. The audio recording of the call, as well as the call notes, are now available on the IBAT website.  

Following feedback from attendees and the Associate Member Advisory Council, IBAT has increased the frequency of the industry update calls to once per quarter. The next call is scheduled for Friday, May 16, 2014 from 9:30-10:00a.m.  

Please make plans to attend and look for a link to register in future issues of the IBAT Bottom Line.

Free Diebold Webinar

IBAT members are invited to participate in a free webinar on Thursday, February 20, to help you prepare for the end of Microsoft's® support for Windows® XP and the ATM migration to Windows 7.  Join representatives from Diebold, an IBAT Endorsed Service Provider, for the latest on:

  • Industry trends around Windows 7;
  • Key aspects to consider as you make the decision to migrate to Windows 7; and
  • Next steps necessary to stay current.

This webinar is the latest in a series offered in Diebold's Operation 411 program.  Previous webinars in the series, which can be replayed at anytime, include information on EMV Implementation and EPP7 Upgrades and PCI 3.0 Guidelines.

Visit Diebold's Operation 411 homepage and/or join the Operation 411 group on LinkedIn for more information.

Join Us in Maui!

IBAT is pleased to offer you and your directors a pre-convention program, February 26-28, prior to ICBA's 2014 Convention in Maui. Our two morning programs, facilitated by two of community banking's top consultants, will focus on the strategic direction of your bank. Ed Krei, Senior Partner with The Baker Group in Oklahoma City, and Merrill Reynolds, Principal with Reynolds Williams Group of New Braunfels, Texas, will lead the sessions.

Accommodations have been secured at the world class Westin Maui Resort & Spa Ka'anapali. IBAT's room block is limited and will be available on a first-come, first-served basis.

USPS Eyes Banking Revenue

With the United States Postal Service (USPS) racking up huge losses year after year, the USPS Inspector General, last week, put forth a proposal for the Service to begin offering non-bank financial services for the underserved as a means of generating additional revenue.

The report cited the disproportionate closure of bank branches in low-income communities and offered the Postal Service as an alternative entity, already possessing the necessary physical footprint, to provide financial services in areas of need.  It goes on to suggest offering reloadable prepaid debit cards, vehicles for saving, and small dollar credit services for customers who have direct deposit of paychecks to their Postal Service prepaid cards.

Industry representatives, including ICBA President and CEO Cam Fine called the proposal a recipe for disaster, and vowed to vehemently oppose plans to include the Inspector General’s proposals in current legislation to reform the USPS.

"We believe this 'trial balloon' is a preposterously ill-advised idea for any number of reasons, and one that should quickly fall off the radar and be forgotten," said Chris Williston, IBAT President and CEO.  IBAT will continue to monitor this situation and alert members if action becomes necessary.

Washington Update

It's been said that golf is a game of inches.  The same might be said of achieving anything in the United States Congress.  In meetings on Capitol Hill last week, IBAT President and CEO Chris Williston and Executive Vice President Steve Scurlock pressed lawmakers to inch forward several issues of importance to Texas community bankers.

Efforts last week yielded four more cosponsors for HR 1750, the Community Lending Enhancement and Regulatory Relief (CLEAR) Act, the best and most likely candidate for significant regulatory reform in the 113th Congress. Congressmen Sam Johnson, Cuellar, Hall and Culberson joined Granger, Farenthold, Neugebauer, Sessions, Carter, Smith, Poe, Thornberry, Veasey and Williams who previously agreed to cosponsor at IBAT’s urging.  Still pending and likely to sign with grassroots follow up are Barton, Flores, Conaway, Gohmert and Burgess.  Neither of Texas's Senators has signed on to support the bill at this point.

Williston and Scurlock urged members of the House Financial Services Committee to take up the CLEAR Act.  Regulatory relief provisions have previously stalled after clearing the committee because they were embedded in Chairman Hensarling's GSE reform bill, the PATH Act.   

Flood Insurance
While the Senate previously passed a four year delay on increasing flood insurance premiums, the fiscally conservative House has heartburn over the $60 billion/year price tag that accompanies such action.  A rival bill is expected in the House, which would phase in premium increases over a five year period.  These competing approaches will likely prolong resolution on this issue.

Other priorities discussed in meetings were patent reform, overdraft, credit union member business expansion and the need to hold retailers accountable for security breaches.  As IBAT and ICBA continue to work these issues please keep your eyes open for action alerts and remember to register for IBAT's 22nd Annual Congressional Visit, taking place April 29-May 2.

TechMecca 2014 Recap

Approximately two hundred community bankers and eighty solution providers convened in Austin February 3-4 for IBAT's annual technology show - TechMecca.  

TechMecca 2014 took place against the backdrop of an improving economy in which community bankers are considering significant investments in technology to meet evolving customer demands.

At the same time, however, many banker attendees expressed concerns about walking the fine line between keeping up with the latest technology while maintaining the distinctly relational business model that distinguishes community banks from others.  

Attendees chose from twelve educational sessions offering banker perspectives and presentations from thought leaders in the areas of mobile banking, payments, marketing analytics, core technology platforms, cyber security and risk management.   

The show was capped off with seven-minute presentations from exhibiting companies, highlighting a product or service for attendees to consider for their bank.  Congratulations to PULSE and Dell Secureworks, who were voted "Best in Show" by attendees during TechMecca's interactive general sessions.

A full recap of TechMecca 2014 will be included in the March/April edition of The Texas Independent Banker magazine.

Five*Star Awards

IBAT associate members are invited to apply for the Five*Star Award between now and February 28, 2014.

Since 2002, IBAT has honored our associate members with the IBAT Five*Star Award, recognizing those companies that routinely provide not just excellent service, but innovative solutions that help community banks grow faster, enhance profits, gain efficiency and SHINE through:

  • Service excellence that provides community banks with the support they can depend upon;
  • Human relationships based upon trust, respect and strong working relationships;
  • Integrity that meets the high standards banks have a right to expect from their trusted suppliers;
  • Never-ending commitment to the success of the community banking industry; and
  • Exceptional value for the products and services provided.

Unlike past years, you do not need a banker nomination to be considered. Don't miss out on your opportunity to SHINE. View the Five*Star Award page on the IBAT website for full details and complete the application.

Baker Market Update: Feb. 7, 2014

What a week of blow-outs! Seattle blows out Denver in the Super Bowl. Arctic conditions blow out school for much of the nation, and this morning’s Unemployment Report blows out any hope that last month’s dismal report was just an unpleasant aberration that would be reversed by today’s revisions. The ennui that pervades the American labor market remains unimproved as we learned this morning from the Bureau of Labor Statistics. The .1% drop in the Unemployment Rate to 6.6% was cold comfort in light of the disappointing 113k increase in Non-Farm Payrolls (NFP). Market experts were expecting a jump of around 180k. Perhaps more disheartening was the absence of widely anticipated upward adjustments to the previous report. December’s dismal 74k NFP growth was recalculated to be... Read more in the Baker Market Update.