fall 2013 schedule - cftncs.org · center for financial training, north central states, inc. ......

FALL 2013 SCHEDULE

Center for Financial Training, North Central States, Inc. 121 E. Silver Spring Drive, Suite 209 Whitefish Bay WI 53217

Phone | 414.332.6468 Fax | 414.332.6478 Email | [email protected]

www.cftncs.org

The Center for Financial Training (CFT) provides banking specific courses, seminars, and webinars for

the financial services industry. These educational programs include college‐credit recommended online, self‐study, and classroom courses; hot topic seminars and webinars; and customized in‐house training. For over 100 years, CFT students have enjoyed the finest

banker education available in the world.

If you have any questions about today's Center for Financial Training, please call the CFT Office at

414‐332‐6468 or send an e‐mail to [email protected].

Look At What’s New!

2013 Ag Lending School 2 2013 Lending Essential School 3 Live Training 4

Webinars 7 Wisconsin/Minnesota Specific Webinars 8 Independent Study 9

Online Instructor‐Led Courses 10 Insurance Courses 12 PC Software Training 13

Retirement Courses 13 ABA Commercial Lending Certificate 15

Table of Contents

Fall 2013 Page 1 www.cftncs.org

Message from the Director .............................................................1 Recent Diploma & Certificate Recipients ........................................1 2013 Agricultural Lending School....................................................2 2013 Lending Essentials School.......................................................3 Live Training ....................................................................................4 Webinars .........................................................................................7 Independent Study..........................................................................9

Online Instructor‐Led Courses...................................................... 10 Online Self‐Paced Courses ............................................................ 11 Diplomas & Certificates ................................................................ 14 Policies & Procedures ................................................................... 18 Student Recordkeeping ................................................................ 19 CFT Board of Directors.................................................................. 19 Registration Form ......................................................................... 20

Welcome to the Center for Financial Training – North Central States Fall 2013 Schedule of Classes and Training Programs. Bankers have been strengthening their job skills and preparing for those important career moves with training and education through AIB/CFT for over 100 years. CFT’s longevity as a primary source of industry specific, timely, cost effective training and education assures its ability to arm you with the right tools to reach your career goals. CFT is your education partner in achieving YOUR SUCCESS!

The Center for Financial Training (CFTNCS) provides education, training and informational courses and seminars for the financial services industry throughout Wisconsin, Illinois & Michigan. Many of the courses CFT offers are applicable to nationally recognized diplomas and certificates, and can often be transferred to colleges and universities. The goal of all CFT training and educational programs is to provide job specific skills and knowledge to the financial services industry. CFT is a professionally staffed, non‐profit organization based in Whitefish Bay, WI and is a local ABA Training Provider.

Please share this schedule with your staff by placing it in the break room, posting in on bulletin boards and internal training calendars, and by distributing it to each department head. If you would like more printed copies, call our office. Or, download a pdf copy from our website: www.cftncs.org.

Sandra Kuehn, Executive Director

Current Diploma & Certificate Recipients

The Center for Financial Training is proud to announce the following students who have earned a diploma and/or certificate during the last three months. We commend their dedication to continuing their education and advancing their careers with the following...

AIB Bank Operations Diploma Michelle Murray Johnson Bank AIB General Banking Diploma Jacqueline Papenfuss Port Washington State Bank AIB Bank Teller Certificate Kyle Johnson National Bank & Trust AIB Customer Service Representative Certificate Denise Elbe Port Washington State Bank Anna Steberg Horicon Bank AIB Personal Banking Certificate JoAnna Yeager Anchor Bank AIB Supervisor Certificate Yesenia Arce Anchor Bank AIB Team Leader Certificate Michelle Murray Johnson Bank CFT Intro to Residential Mortgage Lending Certificate Beth Irwin Port Washington State Bank CFT Retail Banking Certificate JoAnna Yeager Anchor Bank CFT Sales Certificate Radostina Koleva Anchor Bank

SAVE THE DATE2014 Commercial Lending School March 5‐7, 2014 | LaCrosse, WI The 2014 Commercial Lending School was developed to provide mid‐level bank officers and commercial loan officers a thorough understanding of commercial lending administration by:

• Focusing on business operating cycle & key variables for long‐term success • Helping students develop their analytical skills and management

evaluation techniques • Acquiring an awareness of the economic environment and how it

affects the lending decision • Understanding the borrower and loan management alternatives

available to a lender in the event of loan default • Providing a strong foundation of financial analysis, along with in‐depth

case studies allowing the student to apply lessons learned • Plus lunch with an industry guest speaker each day

Wednesday, March 5, 2014

Introduction to Economics and Banking & Understanding the Qualitative Analysis (AM session) The Basics of Commercial Lending (PM session)

Thursday, March 6, 2013

Commercial Real Estate Lending Techniques and Structure (AM session) The Art of the Appraisal: Theory & Practice (PM session) Sales Techniques & Effective Relationship Management (Working Dinner Session)

Friday, March 7, 2013

Basic Financial Statement & Cash Flow Analysis (AM session) Commercial Loan Documentation (PM session)

Problem Loan Techniques (Webinar Session April, 2014)

2013 Agricultural Lending School


DETAILS

MON‐WED OCT 21‐23 St. James Hotel 406 Main Street Red Wing, MN 55066

DAILY SCHEDULE 8:30am‐4:00pm

TRAINING & FEE OPTIONS ENTIRE SCHOOL

(Oct 21-23) $850 *

DAY ONE-FARM TAX ANALYSIS (Oct 21) $325*

DAY TWO-PRICE RISK MANAGEMENT (Oct 22) $325* DAY THREE- LOAN DOCUMENTATION

(Oct 23) $325* 10% Multiple Registration Discount Applies

*Early registration fees – Enroll by 9/9/13. After 9/9 – Full School $950, Individual Days $350 each Tuition includes a light breakfast, lunch daily and the Student Handbook (excludes lodging).

The 2nd Annual Agricultural Lending School was developed to provide in‐depth training in agricultural finance for lenders and loan support staff seeking to make good loan decisions in today’s market place. Over a three day period Farm Tax Analysis and Interpretation, Price Risk Management in Agricultural Production, and Loan Documentation for Ag Lending (including the key changes under revised UCC Article 9 as it relates to agricultural security interests), will be covered. • Our nationally‐recognized facilitators are top‐notch in their fields and you will have

plenty of opportunity to share your questions during the School. • This School is interactive, which creates an environment that empowers you to

learn. • You will receive a certificate to document your ongoing commitment to your

banking education. • You will return to your bank a better asset and have new and valuable tools and

skills in the agricultural lending area.

Day 1 | MON | OCT 21

USING BALANCE SHEETS AND FARM TAX RETURNS FOR LOAN ANALYSIS

Day 2 | TUES | OCT 22

UNDERSTANDING FUTURES & OPTIONS FOR AG LENDERS

Day 3 | WED | OCT 23

LOAN DOCUMENTATION 1. Problem Method 2. Essentials of Articles of the Uniform Commercial Code – revisions effective July 1,

2013 3. Real Estate Mortgages/Deeds of Trust

Who Should Attend

If you are new to agricultural lending, or have been an ag lender for just a few years, then this is the School for you! Credit analysts, loan review and loan documentation personnel, and any ag-bank personnel who need an understanding of the agricultural lending function will also benefit from attending.

Speakers

Dr. Paul Gorman, Lewis C. Laderer, Jr, J.D., and Timothy Vanderwal Dr Gorman, owner of ELCEL Minnesota, is a Farm Business & Financial Consultant with over 40 years of experience in the agriculture industry. He earned his B.S. in Agricultural Education from South Dakota State University and Ed.D from the University of Minnesota. Prior to private consulting, he taught Farm Operations and Business Management for technical colleges in Iowa and Minnesota. Lewis Laderer, is a partner in the law firm of Laderer & Fischer, P.C. in Indiana. Mr. Laderer has extensive experience in assisting community banks in structuring loan transactions, developing loan contracts, and in the management of problem loans and bankruptcies. Timothy VanDerWal has been an Ag Loan Officer at the Wanda State Bank in Wanda, Minnesota. Prior to joining the bank he worked as a Beef Enterprise consultant for Land O Lakes Feed. He has a Bachelor of Science degree from SDSU in Animal Science/Business. Tim is also involved in a farming operation.

2013 Agricultural Lending School


DETAILS

TUES‐THURS NOV 5‐7 Double Tree Denver‐Thornton 82 East 120th Avenue Thornton, CO

DAILY SCHEDULE 8:30am‐5:00pm

TRAINING & FEE OPTIONS

Attending ENTIRE SCHOOL

$850 or $950 (after 10/8/13)

Attending DAY 1 & 2 ONLY

(Consumer & Residential RE) (11/5 &

11/6/2013) = $600.00 ($650 after

10/8/13)

Attending DAY 3 ONLY (Small Business)

(11/7/2013) = $300.00 ($325 after

10/8/13) 10% Multiple Registration Discount Applies

Tuition includes a light breakfast, lunch daily and the Student Handbook (excludes lodging).

Lending Continues To Be One of the Most Crucial Functions in Banking Today! Lenders responsibilities and scope of activities continues to expand in this contemporary marketplace. Increased competition from new players, ever‐changing regulations and rising risks are only a few of the factors a lending officer must face. Bankers will meet these challenges and more, as they learn the latest information, prepare for the most complex lending situations and further their banking career. Facilitated by two highly sought‐after instructors on these topics, DENNY DEISCHER, CRCM and JOHN COCHRAN, this 3‐Day Lending Essential School will cover the origination of consumer loans, residential real estate loans and small business loans and the compliance ‘hot topics’ for each.

Day 1 | TUES | NOV 5 | 8:30am‐5:00pm

Review of Current Lending and Compliance Hot Topics, and Consumer Loan Origination

Day 2 | TUES | OCT 22 | 8:30am‐5:00pm

Residential Real Estate Loan Origination and Compliance

Day 3 | WED | OCT 23 | 8:30am‐3:00pm

Small Business Loan Origination and Compliance

Who Should Attend

Designed for community bankers who are beginning to participate in the bank’s loan origination process; newly‐appointed loan officers, and members of the bank’s credit administration and loan processing areas.

Speakers

DENNIS ‘DENNY’ DEISCHER, CRCM , is Vice President, Education Services for Missouri Bankers Association. Denny provides education training related to compliance issues and management structure. He brings over 36 years of experience in the financial services industry. Denny was previously a manager for KPMG Barefoot Marrinan, and also was one of the country’s most senior compliance regulatory officials, serving with the Office of the Comptroller and the Currency for 19 years. He is widely known as a speaker and instructor on compliance topics at conferences, seminars and tele‐conferences across the United States. JOHN COCHRAN Prior to starting his own company, John Cochran & Associates, John served in various management and lending positions over the 25 years that he was in banking. These positions included compliance and loan review officer, consumer and commercial lender, and senior lender and president and CEO of a community bank.

2013 Lending Essentials School Consumer, Residential Real Estate and Small Business

Coming to Wisconsin

May 2014!

Live Training


Test drive a CFT Classroom Webcourse! If you are not sure that a webcourse will work for you, enroll in one and attend the first class. If you are not comfortable with the format, we will withdraw you from the class with no charges and no questions asked. Just send back the unmarked textbook and let us know before the second class with an email message to [email protected].

Webcourse Title Day Start Date Time # of Classes Tuition

General Accounting WEDS 9/18/13 5:00‐7:00PM 8 $400 Consumer Lending TUES 11/12/13 5:00‐7:00PM 6 $400 Law & Banking: Applications WEDS 10/2/13 5:00‐7:00PM 6 $400 Marketing Financial Services TUES 9/10/13 5:00‐7:00PM 8 $400 Principles of Banking MON 9/9/13 5:00‐7:00PM 8 $400 Principles of Banking WEDS 10/23/13 5:00‐7:00PM 8 $400 Spanish for Bankers WEDS 10/9/13 5:30‐6:30PM 7 $300 Supervision MON 10/7/13 5:00‐7:00PM 8 $400 Written Communications Thanksgiving & Christmas Holidays off!

THURS 11/21/13 5:00‐7:00PM 8 $400

What is a webcourse? A CFT webcourse blends the convenience of attending a class online, wherever you may be, with the value of being a part of a live classroom. Use your telephone and computer to join the classroom at a specific time on a specific day with a “live” instructor. Prepare assignments you will discuss in class and review material your instructor places online with the rest of your class. Participate in discussions and ask questions of your instructor during class – and get answers right away! Finish the class from the comfort of your own home – no fighting traffic, snowstorms, or finding a babysitter – AND earn the same credits as a comparable live in‐person class.

Live Training Date(s) Time Location Tuition

Principles of Banking MON 9/9‐12/9

6:30pm – 9:00pm Mound City Bank 90 S. 2nd St. Platteville, WI

$300 ($325 after 8/16)

Principles of Banking WED 10/9‐12/11

6:00pm – 8:30pm Bank of Sun Prairie 550 Broadway Dr. Sun Prairie, WI

$300 ($325 after 9/27)

Spanish for Bankers TUES 10/22

9:00am – 4:00pm Citizens Bank of Mukwonago 5450 S. Moorland Rd.

New Berlin, WI

$275

Spanish for Bankers THURS 11/21

9:00am – 4:00pm Community Bank & Trust 1160 Fond du Lac Ave. Sheboygan Falls, WI

$275

IRA Essentials TUES 11/5

8:30am – 4:15pm Hilton Garden Inn 5140 American Blvd West

Bloomington, MN

$199

Advanced IRAs WED 11/6

8:30am – 4:15pm Hilton Garden Inn 5140 American Blvd West

Bloomington, MN

$199

Supervision 101 TUES 10/29

9:00am – 4:00pm The Meadows Conference Center 850 Kepler Dr. Green Bay, WI

$275

See next page for course descriptions

Live Training


Course Descriptions IRA ESSENTIALS The perfect workshop for individuals who are just starting out in the retirement services industry or for those who simply need a refresher on IRAs. By using hands‐on exercises and real‐life examples throughout the day, participants are able to apply information to job‐related situations. Each workshop attendee will leave this session able to work with IRA owners and process basic IRA transactions with confidence. Course Topics* • Introduction to IRAs

• Establishing an IRA

• Funding

• IRA Distributions

• Portability

• Reporting *Course topics subject to change as needed. ADVANCED IRAS If you already have a basic understanding of IRAs but need additional training on complex IRA issues, then the Advanced IRAs workshop is perfect for you! This workshop takes an in‐depth look at some of the more challenging issues facing the retirement plan industry today. You also will receive current information on any legislative changes affecting the retirement plan industry. By attending Ascensus’ Advanced IRAs workshop, you will learn advanced concepts and how to apply those concepts to real‐life situations. Course Topics* • Amendment Issues

• Portability Issues

• Contribution Issues

• RMD & Beneficiary Issues

• Reporting Issues *Course topics subject to change as needed. GENERAL ACCOUNTING Designed for personnel requiring a fundamental knowledge of accounting necessary for critical decision‐making. This course provides exactly the right balance between conceptual understanding and technical application and analysis of accounting issues. General Accounting is designed to ensure students’ success, provide a strong real‐world emphasis, integrate performance measurement, and emphasize technology. The course teaches students the information needed to create and understand financial statements such as trial balances, balance sheets and income statements. It focuses on how to measure business transactions, business income, and the fine points of financial reporting and analysis. The course explores internal controls, short‐term liquid assets, current liabilities and the time value of money, and much more. After successfully completing this course students should be able to:

GENERAL ACCOUNTING CON’T • Apply the fundamental principles of accounting and

understand the role accounting plays in the operations of a business

• Use basic business and accounting terminology and techniques to succeed in a business environment

• Identify the users of accounting information and explain the kinds of information an accounting information system can provide each group.

• Prepare a complete set of accounting statements, including an income statement, a statement of retained earnings, a balance sheet, and a statement of cash flows

• Employ ratio analysis and other techniques to analyze, evaluate and interpret a set of financial statements

• Solve business problems and make business decisions using accounting and non‐accounting information.

CONSUMER LENDING Designed for entry‐level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit. This up‐to‐date, insider’s view of consumer lending offers essential information about the maze of regulations governing credit practices and reviews loan processing, cross‐selling, and collections. After successfully completing this class you should be able to: • identify components of the consumer installment credit

market • describe various loan products • trace the lending process • apply credit math and loan pricing principles • recognize variables that affect loan structure • identify opportunities for cross‐selling bank products LAW AND BANKING: APPLICATIONS Designed for entry and officer level bankers. This course is an introduction to laws pertaining to secured transactions, letters of credit, and the bank collection process. After successfully completing this class you should be able to: • explain the concept of negotiability • analyze the concept of holder‐in‐due‐course status • describe the nature of primary and secondary

contractual liability on an instrument • define and explain the nature of a letter of credit • identify the issues related to secured transactions

Live Training


MARKETING FINANCIAL SERVICES Designed for bank personnel in customer contact and operations positions, management trainees, and persons entering banking at the mid‐management level. Marketing Financial Services looks at what motivates customers to purchase financial services and teaches bankers how to develop a successful marketing plan. After successfully completing this class you should be able to: • recognize consumer motivation and buying behavior • integrate public relations, advertising, sales promotions, selling,

and service distribution functions in the bank’s overall marketing plan

• conduct situation analysis & formulate a master marketing strategy • monitor and evaluate performance PRINCIPLES OF BANKING Designed for personnel at any level new to banking. This class touches on nearly every aspect of banking from the fundamentals of negotiable instruments to contemporary issues and developments within the industry. After successfully completing this class you should be able to: • explain the importance of full‐service commercial banking as it

affects economy, community, businesses and the individual • describe the three major functions of commercial banks and their

interrelationship • list the various products and services banks offer governments,

businesses, individuals, and correspondents • illustrate the various types of bank loans and investments • identify various banking regulations and regulatory agencies SPANISH FOR BANKERS Perfect for tellers, personal bankers, loan officers and other bank personnel with customer contact and who have had Spanish in high school or college. The Hispanic population in the United States is growing at an unprecedented rate. The phenomenal growth presents great opportunities and difficult challenges for bankers who must communicate with Spanish‐speaking customers. Understanding key Spanish phrases is crucial to providing comprehensive financial services to the Hispanic community. After completing this program, you will have learned about: • Cashing & depositing checks • Problems with checks and IDs • Collecting information for credit & loan applications • Opening an account • Customer service phrases

SUPERVISION (Webcourse) This class is designed for both practicing and aspiring supervisors who have little formal knowledge of supervision. Supervision blends skill‐building techniques and traditional management principles to prepare students to become supervisors in today’s business world. The course will emphasize that supervision is working through people to develop and empower them to become better and more efficient in their roles, and closely follows the SCANS requirements for the five workplace competencies and three‐part foundation of skills and personal qualities needed for job performance. SUPERVISION 101 (1‐day seminar) Designed for anyone in a managerial or supervisory role who wants to inspire employee confidence, and is concerned about retaining valuable employees and helping them work more productively. Spend the day reviewing the basics of managing others. Whether you are new to a supervisory role, or have been a supervisor for a while, this seminar will help you get back to the basics and become the strong, highly‐engaged managers that employees need. Help others succeed through guiding, teaching, motivating and mentoring. After completing this seminar you will have learned about: • Motivating & Coaching Others • Enhancing Communication Skills • Solving Problems & Making Decisions • Managing Conflict • Enacting Progressive Discipline • Managing Time & Stress • Navigating Different Personalities • Scheduling the Line WRITTEN COMMUNICATION Written Communication teaches basic writing skills and then applies these skills to a variety of e‐mails, memos, letters, reports, and resumes. Realistic model documents and structured writing assignments help students build lasting workplace skills. The material, including award‐winning text, features increased coverage of electronic messages and digital media, redesigned and updated model documents to introduce students to the latest business communication practices, and extensively updated exercises and activities.

Webinars


What is a Webinar? A webinar is the perfect training vehicle for nearly any topic. It combines the clarity of an audio teleconference with the interactivity and visual presentation of the Internet. On‐Demand Webinars Can’t attend at the scheduled time? All of the scheduled topics are available as a recorded option to watch when it fits your schedule. Webinar Pricing Live Webinar $255 On Demand Webinar $255 w/ audio link and handouts Audio CD & Handouts $295 Live & On Demand $395 Additional Location $150 1‐Hour Webinar Pricing Live Webinar $155 On Demand Webinar $155 w/ audio link and handouts Audio CD & Handouts $195 Live & On Demand $255 Additional Location $150 Webinar Packages By pre‐paying for your webinar training needs for the year, you could be saving money. 5 webinars = $1,125 (save $150) 10 webinars = $2,100 (save $450) 15 webinars = $2,850 (save $975) 20 webinars = $3,500 (save $1600)

* Available for package pricing

A great way to build your internal training library.

Call us at 414‐332‐6468 and we will help you put a package together!!

Webinar descriptions can be found on our website – www.cftncs.org – and check for additional webinars being added each month.

OCTOBER DATES 1 10:00 AM Analyzing Small Manufacturing Businesses*

2 10:00 AM Regulatory Compliance for the Frontline*

3 10:00 AM IRA Basics*

7 12:00 PM Sales Series: Crucial Elements & Major Performance Factors of Selling ( One Hour)

9 1:30 PM Reporting Your Credit Data, E‐OSCAR, METRO 2 & FACTA Compliance & Audit*

10 10:00 AM Ratio Analysis*

10 1:30 PM Risk‐Based Audit Program*

15 10:00 AM Reg Z/RESPA*

15 1:00 PM Compliance Perspectives

16 10:00 AM Power of Attorney*

17 10:00 AM IRA Transfers and Rollovers*

17 1:30 PM Legal Liabilities When Check Fraud Occurs*

18 1:30PM Commercial Loan Structuring & Collateral (90 mins)

22 1:30 PM Successful Collections: Scripting to Collect in Full!*

24 10:00 AM IRA Beyond the Basics: Distributions & Beneficiaries*

30 10:00 AM Right of Setoff*

30 1:30 PM Opening Trust Accounts: Documenting Authority and Liability*

SEPTEMBER DATES 4 10:00 AM CSI: Customer Service Intelligence*

5 10:00 AM Using Personal Tax Returns for Global Cash flow: What’s Cash Flow and What Isn’t*

5 1:30 PM Electronic Funds Transfer Act*

9 10:00 AM Bank Call Report Preparation for Beginners Part 1

9 12:00 PM Sales Series: 5 Keys to a High Performing Sales Team (One Hour)

10 10:00 AM 15 Million Reasons to Follow Proper Safe Deposit Procedures*

10 1:30 PM 3rd Party Oversight, Vendor Management*

11 10:00 AM Notary Public*

12 10:00 AM Writing an Effective Credit Memorandum*

12 1:30 PM Check Holds*


17 10:00 AM Managing Escrows*


18 10:00 AM Excelling at Your Job*

19 10:00 AM Advanced Business Account Issues: Multi‐tiered Businesses, Agents, Escrows, etc.*

20 10:00 AM BSA Series: BSA Examination Hotspots*


24 10:00 AM Understanding Signature and Account Agreements*

25 10:00 AM Countdown to Reg E Foreign Remittance Rule: Are You Ready?*

25 1:30 PM What to Do When a Customer Dies*

26 1:30 PM Understanding & Using Credit Scores, Adverse Action Notices, & FACTA*


Webinars


Compliance PerspectivesA Monthly Update A monthly webinar series to help you keep up with changes and deadlines in the compliance area Keeping up with changes and deadlines in the compliance area gets more complex each year. Now we can assist you with that task by presenting a monthly one‐hour compliance update that will address new items to be aware of, upcoming deadlines, and what’s on the horizon. In a simple language webinar format that you can view from your office, Carl Pry will make sure you have the information you need to keep your financial institution in compliance. Features: • Monthly hot topics • Current deadlines • Upcoming regulations • Examiner guidance • Concise one‐hour format • Unlimited participants • One low cost • Archived recordings For only $159 per month with a six month commitment, you receive the live session and a link to the archived recording. Watch the live session or access the recording for the next 30 days. Imagine what you can save in reduced compliance violations or unnecessary research time.

6‐Month Subscription…………… $954 12‐Month Subscription…………. $1,749

How much time do you spend each month researching new compliance

rules & regulations? Would you like to reduce that time to ONE HOUR?

Check website for specific times.

NOVEMBER DATES 4 12:00 PM Sales Series: Precision Coaching (One Hour)

5 10:00 AM Robbery Training & Other Teller Security Issues*

7 1:30 PM Providing Employee Feedback*

13 1:30 PM Reg B, Reg V, Credit Scoring and the Adverse Action Notice(s) Compliance Points*

14 10:00 AM Opening Deposit Accounts for Minors*

14 1:30 PM Four C’s of Exceptional Supervision*

15 10:00 AM BSA Series: BSA Customer Due Diligence and Enhanced Due Diligence*

19 10:00 AM Appraisals*


20 10:00 AM Flood Insurance*

21 10:00 AM Analyzing Service Businesses*

22 1:30 PM C&I Loan Documentation/CRE Loan Documentation (90 mins)

26 10:00 AM Understanding Letters of Credit*

DECEMBER DATES 3 10:00 AM How to Analyze the Purchase of an Existing Business*

5 10:00 AM Deposit Compliance: Year End Wrap‐Up*

9 12:00 PM Sales Series: Personal & Business Work plan (One Hour)

10 10:00 AM IRA Audit*

10 1:30 PM Preventing Lending Compliance Exceptions*

11 10:00 AM Safe Deposit Disasters*

11 1:30 PM Account Titling, Ownership and Signatories*

17 10:00 AM IRS Reporting Requirements*


18 10:00 AM Check Holds*

WISCONSIN & MINNESOTA SPECIFIC WEBINARS 9/4 Legal Issues of Account Ownership 9/18 So Your Customer Has a Trust….Now What?10/2 Power of Attorney 10/16 Estate Planning for Bankers and Their Customers11/6 Understanding Money and Investments11/20 When a Customer Dies

Get a FREE month by signing a 1‐year commitment!

Independent Study Courses


EXTENSIONS One 2‐month extension is available for 2‐3 credit courses if you are unable to complete your course in the allotted time. Up to two 2‐month extensions are available only for the following courses: Accounting II, Analyzing Financial Statements, Economics for Bankers, Financial Accounting, and General Accounting. Written request for any extension must be accompanied by the appropriate fee ‐ $75.00 – prior to the end date and is subject to approval. Extensions ARE NOT GRANTED for courses with less than 2 credits. Any course less than 2 credits which is not completed within the allotted time will be automatically closed and graded on assignments and exams completed by that time. Here’s What Students Are Saying About CFT’s Independent Study Courses

My instructor was very good with me. She answered the questions I had and was always there to help me when I needed it. – Principles of Banking Student

My instructor was awesome. She helped keep me motivated and that helped me quite a bit. – Management Student

This class was one of the most helpful classes I have ever taken! Very enlightening and good examples to be used everyday in the office. My instructor was very helpful! – Human Relations Student

I would really like to extend a big thank you to my instructor for helping me get my coursework done on time. Her prompt attention was much appreciated. – Money & Banking Student

My instructor was very encouraging and always made sure I understood the material, I would definitely take more courses in this format and with this instructor. – Mortgage Lending Student

I really enjoyed taking this course. I especially liked my interactions with my instructor. – Sales Excellence Student

The instructors I have had for my independent study courses have been wonderful. I think they do a great job and I love it when I take another course and get the same instructor. – Economics for Bankers Student

This course was very thorough and beneficial. My instructor was very professional and graded assignments quickly. – Business Math Student

Course Title Credits Length Tuition Accounting II 3 6 months $545

Analyzing Financial Statements 3 6 months $545

Bank Security NEW!! ½ 3 months $175

Banking Today ½ 3 months $95

Business Communication 3 4 months $545

Business Math 3 4 months $545

Communication Skills for Business NEW!! 2 3 months $495

Consumer Lending 3 4 months $450

Customer Service Excellence 2 3 months $495

Deposit Accounts & Services 2 3 months $495

Developing as a Professional NEW!! ½ 3 months $175

Economics for Bankers 3 6 months $545

Financial Accounting 3 6 months $545

Financial Planning 3 4 months $545

Frauds, Scams, and Cons NEW!! 1 3 months $225

General Accounting 3 6 months $545

Human Relations 3 4 months $545

Human Resource Development 3 4 months $545

Human Resource Selection 3 4 months $545

Introduction to e‐Commerce 3 4 months $545

Intro to (Residential) Mortgage Lending 3 4 months $545

Law & Banking: Applications 3 4 months $525

Law & Banking: Principles 3 4 months $525

Loan Collectors Training NEW!! 1 3 months $225

Management 3 4 months $545

Managing Human Resources 3 4 months $545

Marketing Financial Services 3 4 months $450

Money & Banking 3 4 months $450

Principles of Banking 3 4 months $450

Real Estate Appraisal 3 4 months $545

Real Estate Finance 3 4 months $545

Real Estate Law 3 4 months $545

Safe Deposit Basics NEW!! ¼ 3 months $135

Sales Excellence 2 3 months $495

Supervision 3 4 months $545

Course Descriptions can be found at www.cftncs.org

Need Flexibility? Independent Study is designed for students who prefer a flexible schedule. After the registration and payment are received, textbook and accompanying materials are mailed, and a regional content expert is assigned as your instructor. Working at your own pace, your instructor will guide you in completing chapter assignments, quizzes and exams within the given time period.

Registration Register anytime ‐ courses begin once materials are received. Simply complete the registration form and mail it with payment (including the processing fee) to the CFT office. Note: Registrations will not be processed until payment is received.

Withdrawal Policy Withdrawals must be sent in writing. Students will be assessed a $100 fee for withdrawals received after the registration has been processed. Refunds will not be issued once course materials have been sent.

Textbook Sharing CFT encourages you to save a tree! If a co‐worker has the current textbook edition of a course, you may receive a tuition reduction. Contact the CFT office to verify if the edition is still in use – 414‐332‐6468.

Online Instructor-Led Courses


Course Title Start Dates # Wks Credits Price ACE Analyzing Bank Performance 9/16 7 2 $795 Analyzing Financial Statements 9/9, 10/7, 11/4, 12/2 16 3 $550 Yes Basic Administrative Duties of a Trustee 12/2 5 1 $250 Business Communication 9/16, 11/11 10 3 $545 Yes Business Math 9/30, 11/11 10 3 $545 Yes Commercial Lending AIB 10/28 12 3 $550 Pending Consumer Lending 9/16, 10/21, 12/2 16 3 $450 Yes Customer Service Excellence 9/9, 10/14 8 2 $495 Deposit Accounts & Services 9/30, 11/11 8 2 $495 Economics for Bankers 9/23, 12/2 16 3 $450 Yes General Accounting 9/16, 10/15, 11/12, 12/9 16 3 $550 Yes Human Relations 9/9, 10/28 10 3 $545 Yes Human Resource Management 9/16, 12/9 10 3 $545 Yes Introduction to Agricultural Lending 10/7 8 1 $425 Introduction to Mortgage Lending 10/28 16 3 $450 Yes Introduction to Trust Products & Services 9/30 5 1 $250 IRA Online Institute 9/2 12 2 $1,495 Law & Banking: Applications 9/16, 10/15 16 3 $525 Yes Law & Banking: Principles 9/9, 10/7, 12/2 16 3 $525 Yes Management* 11/4 10 3 $545 Yes Managing Interest Rate Risk 11/12 8 2 $795 Marketing Financial Services 10/7 16 3 $450 Yes Money & Banking 11/12 16 3 $450 Yes Principles of Banking 9/9, 9/23, 10/7, 10/21, 11/4, 12/2 16 3 $450 Yes Principles of Banking – Accelerated 9/16, 10/15, 11/12, 12/9 10 3 $450 Yes Real Estate Appraisal 9/9, 12/9 10 3 $545 Yes Real Estate Finance 10/14 10 3 $545 Yes Real Estate Law 10/28 10 3 $545 Yes Review Course for CRCM Exam 12/16 10 1 $725 Review Course for CTFA Exam 11/12 12 0 $825 Selling Fundamentals 9/16, 11/18 10 3 $545 Supervision 9/23, 11/18 10 3 $545 Yes Supervisor Certificate 9/23 16 3.25 $750 Understanding Organizational Behavior 10/28 10 3 $545 Yes

ACE ‐ The American Council on Education recommends these courses for college credit transfer. CFT & AIB offer you our high quality education in a convenient online format to suit your schedule and career goals. Instructor‐Led online courses offer you a virtual classroom complete with fellow students, instructor guidance and feedback, and the industry's most comprehensive banking curriculum.

Course Features Course Benefits Authoritative textbooks and readings

Provide in‐depth coverage of subject matter

Peer interaction Maximizes your learning experience through collaborative online exercises

Experienced online instructors with banking expertise

Provide feedback on assignments and industry context

Exercises and exams Test your learning Convenient weekly schedule

No need to be online at a certain date or time

AIB, CFT, ICB and ACE Credits

Many of our instructor‐led courses can be used toward one or more of the AIB and/or CFT Diplomas and Certificates. They also qualify for a variety of continuing education units and meet some post‐certification requirements. Check individual course descriptions for specific credits, or contact the CFT office for more information




ABA's self‐paced online course library offers cost‐effective banking, business, and trust courses that deliver and skills and concepts that can be immediately applied on the job. ABA eLearning provides enhanced training support with tools like our unique, role‐based training roadmaps that guide users through a proven training path; blended learning extensions that enable immediate facilitated practice and application of learning in a classroom environment; and world‐class implementation support that ensures the success of your training program.

Compliance Americans with Disabilities Act (ADA) $95 Bank Bribery Act $55 Bank Protection Act $35 Bank Secrecy Act (BSA) $55 Bank Secrecy Act for Lenders $95 Bank Secrecy Act for Tellers $55 Community Reinvestment Act $55 Completing a Currency Transaction Report $95 Credit Card Regulations for Compliance Professionals $275 Credit Practice Rules – Reg AA $35 Customer Identification Program $95 Elder Financial Abuse $55 Electronic Funds Transfer Act – Reg E $95 Equal Credit Opportunity for Compliance Professionals $275 Equal Credit Opportunity Act – Reg B $95 Expedited Funds Availability Act – Reg CC $95 Extending Credit to Bank Insiders – Reg O $35 Fair Credit Reporting Act (FCRA) $95 Fair Credit Reporting Act (FCRA) for the Compliance Professional

$275

Fair Housing Act $55 Fair Lending $95 FDIC Insurance Coverage $95 Flood Disaster Protection Act $35 Home Mortgage Disclosure Act (HMDA) $95 Home Mortgage Disclosure Act (HMDA) for the Compliance Professional

$275

Information Security and Red Flags $95 Office of Foreign Assets Control (OFAC) $55 Privacy for Customer Contact Personnel $55 Real Estate Settlement Procedures Act $95 Recognizing and Preventing UDAAP $55 Reg Z Closed‐End Credit for Compliance Professionals $275 Reg Z Open‐End Credit for Compliance Professionals $275 Regulatory Compliance for Bank Marketers $125 Regulatory Compliance for Call Center Reps $125 Regulatory Compliance for Consumer Lenders $125 Regulatory Compliance for Customer Service Reps $125 Regulatory Compliance for Financial Managers $125 Regulatory Compliance for Personal Bankers $125 Regulatory Compliance for Tellers $125 Reserve Requirements for Depository Institutions – Reg D $55 Servicemembers Civil Relief Act (SCRA) for the Compliance Professional

$275

Serving Your Military Customer $55 Truth in Savings – Reg. DD $55 Unlawful Internet Gambling Enforcement Act $55 UDAAP for the Compliance Professional $275 USA PATRIOT Act $55

Course Title Price Employee Development

Business Etiquette $95 Dealing Effectively with Co‐Workers $95 Ethical Issues for Bankers $95 Managing Time at Work $95 Meetings that Work $95 Presentation Skills $95 Revitalizing Customer Service $95 Sexual Harassment in the Workplace $95 Telephone Etiquette $95 Writing Bank Correspondence $95

Financial Planning & Trust Introduction to IRAs $95 Building Trust Expertise Level 1 Introduction to Estate Planning $335 Introduction to Investment Management $335 Introduction to Trust Administration $335 Building Trust Expertise Level 2 Discretionary Distributions $160 Estate Planning Overview $160 Estate Planning for Marital Deduction $160 Federal Estate & Gift Taxes $160 Fiduciary Income Tax $160 Fiduciary Law $160 Investments I $160 Managing Trust Accounts $160 Retirement Planning $160 Building Trust Expertise Level 3 Estate Planning for Charitable Giving $160 Estate Planning for Lifetime Gifts $160 Estate Planning for the Business Owner $160 Estate Planning Final Case Study $160 Financial Planning Skills $160 Generation Skipping Transfer Tax $160 Investments II $160 Life Insurance & Annuities $160

Course Title Price

Online Self Paced Courses



Course Title Price Compliance – NEW!

Dodd‐Frank Wall Street Reform & Consumer Protection Act* $75 Dodd‐Frank Act – Changes for the Banking Industry* $75 Dodd‐Frank Act – Provisions for Consumers* $75 Gramm‐Leach‐Bliley Act (GLBA)* $75 Interest on Deposits* $75 *Enroll in all 5 modules – WOW!! $175

General Banking & Management Advanced Supervision $75 Banking Today $95 Consumer Credit Products $95 Introduction to Banking $75 Introduction to Supervision $75 Today’s Teller $150 Understanding Bank Products $95

General Lending Deposit‐Related Regulations for Consumer Lenders $95 Fundamentals of Consumer Lending $95 Introduction to Analyzing Financial Statements $95 Personal Tax Return Analysis $95 Qualifying Mortgage Prospects $95

Commercial Lending Understanding Business Borrowers * $150 Analyzing Business Financial Statements & Tax Returns* $150 Analyzing Personal Financial Statements & Tax Returns * $150 Qualitative Analysis & Determining a Credit Risk Rating* $150 Loan Structuring, Documentation, Pricing, & Problem Loans* $150 *Take All 5 Modules – SAVE!! $600

Insurance ‐ NEW! Annuities Overview* $75 Auto Insurance* $75 Disability Insurance* $75 Homeowner’s Insurance – An Overview* $75 Introduction to Life Underwriting* $75 Life Insurance – An Overview* $75 Long‐Term Care* $75 Variable Annuities* $75 Variable Life Insurance – An Overview* $75 *Enroll in all 9 modules – WOW!! $175

Lending – Advanced Series 1: Evaluating Industry, Markets and Management $100 Series 2: Evaluating Quality of the Borrower's Financial Reports $100 Series 3: Analyzing the Company's Financial Performance and Financial Condition

$200

Series 4: The Cash Cycle, Seasonality and Discovering Borrowing Causes and Repayment Sources

$150

Series 5: Analyzing Cash Flow Statement and Measuring Repayment Ability

$150

Series 6: The Cash Cycle and Seasonality $150 Complete Commercial Real Estate Lending Decision Process Series – save $130 over buying separately

$720

Course Title Price

Lending – Advanced Series 1: Types of CRE Loans, Risk Areas & Performance Drivers

$125

Series 2: The CRE Underwriting Process $125 Series 3: Financing Different Types of Commercial Properties $125

Series 4: Understanding and Evaluating Leases, Appraisals and Environmental Assessments

$175

Series 5: Loan Structure and Documentation Considerations $125

Series 6: Construction Lending $175 Complete CRE Lending Decision Process Series 1‐6 $720

Residential Lending Appraisal Procedures $95 Completing the HUD‐1 $95 Discovering FHA Programs $95 Elements of Title Insurance $95 Essentials of Mortgage Lending $95 Explaining Loan Modifications $95 Gathering the Facts on Mortgage Fraud $95 Processing and Underwriting Credit $95 Processing Income and Assets $95 Reviewing the Appraisal Report $95

Management & Leadership Coaching for Success $95 Corrective Action $95 Hiring the Best $95 Improving Productivity $95 Managing Change $95 Managing Employee Relations $95 Performance Management $95 Project Management Fundamentals $75 Rewards & Recognition $95 Sexual Harassment for Managers $95

Course Features Course Benefits

Rich graphics and interactivities Keep learners engaged with state‐of‐the‐art learning

Frequent self‐checks Measure comprehension and retention

Banking‐specific scenarios and case studies

Enable applied learning to boost transfer to on‐the‐job performance

Built‐in‐tools and job aids Provide valuable ongoing performance support, long after training is completed




Course Title PriceRetirement ‐ NEW!

Contributions to IRAs* $75 Defined Contribution Plans* $75 Distributions from IRAs* $75 Employee Investment Accounts – 401 (k)* $75 Estate Planning Essentials* $75 Retirement Planning* $75 SIMPLE Plan Made Simple* $75 Simplified Employee Pensions – SEPs* $75 *Enroll in all 8 modules – WOW!! $175

Sales, Marketing & Service Building & Retaining Customer Relationships $95 Cross Selling Deposit Products $95 Effective Referrals $95 Event‐ Based Selling $95 Introduction to Relationship Selling $95 Referring Insurance & Annuity Clients $95 Referring Investment Clients $95 Referring Trust Customers $95 Sales Coaching in the Bank $95 Successful Sales Campaigns $95 TeleConsulting $95 MODULE COURSES – NEW! Client‐Focused Business Development for Bankers* $75 Customer Service* $75 Dealing with Challenging Customers* $75 Deceptive Sales Practices in Insurance* $75 No Nonsense Marketing* $75 *Enroll in all 5 modules – WOW!! $175

Security & Fraud Robbery & Bank Security $95

Small Business Calling on Small Business Customers $95 Credit Products for Small Businesses $95 Deposit Products for Small Businesses $95 Fundamentals of Small Business Banking $95 Overview of Financial Statements $95 Relationship Selling for Small Business Customers $95 Retirement Products for Small Businesses $95 Servicing & Growing Small Business Relationships $95 Small Business Borrowing $95

Course Title Price Course Title Price PC Software Training

Microsoft Access 2007: Getting Started $75 Microsoft Access 2007: Basic Forms $75 Microsoft Access 2007: Basic Tables $75 Microsoft Access 2007: Queries & Reports $75 Microsoft Access 2007: Advanced Data Management $75 Microsoft Access 2007: Importing and Exporting Data and Data Presentation

$75

Microsoft Excel 2007: Getting Started with Excel $75 Microsoft Excel 2007: Charts, Pictures, Themes and Styles $75 Microsoft Excel 2007: Formulas and Functions $75 Microsoft Excel 2007: Manipulating and Formatting Data and Worksheets

$75

Microsoft Excel 2007: Reviewing and Printing $75 Microsoft Excel 2007: Advanced Customization $75 Microsoft Excel 2007: Advanced Data Management $75 Microsoft Excel 2007: Advanced Formatting $75 Microsoft Word 2007: Getting Started $75 Microsoft Word 2007: Printing, Help, and Automated Formatting

$75

Microsoft Word 2007: Structuring, Editing, Saving, and Opening Documents

$75

Microsoft Word 2007: Working with Documents $75 Microsoft Word 2007: Working with Text and Paragraphs $75 Microsoft Word 2007: Advanced Document Navigation and Document Reviews

$75

Microsoft Word 2007: Advanced Formatting $75 Microsoft Word 2007: Using Tables, Charts and Graphics $75 Microsoft Power Point 2007: Getting Started $75 Microsoft Power Point 2007: Adding Graphics to Presentations

$75

Microsoft Power Point 2007: Adding Multimedia and Animations to Presentations

$75

Microsoft Power Point 2007: Creating Custom Slide Shows $75 Microsoft Power Point 2007: Distributing Presentations $75

Course Descriptions at www.cftncs.org

Microsoft Office 2003 and 2010 training also available. Contact the CFT office for additional information – 414‐332‐6468.


Now Available!• Flood Insurance for Compliance Professionals • Real Estate Settlement Procedures Act (RESPA) for Compliance

Professionals • Loans to Officers (Reg O) for Compliance Professionals • Community Reinvestment Act, Community Bank (CRA) for

Compliance Professionals • Community Reinvestment Act, Large Bank (CRA) for Compliance

Professionals • Elements of a Compliance Program for Compliance Professionals



AIB Bank Financial Management Diploma Analyzing Bank Performance Ethical Issues for Bankers Managing the Bank’s Investment Portfolio Managing Funding, Liquidity, and Capital Managing Interest Rate Risks

AIB Bank Marketing Diploma Principles of Banking Dealing Effectively with Co‐Workers Economics for Bankers Ethical Issues for Bankers Managing Time at Work Marketing Financial Services Project Management Fundamentals Successful Sales Campaigns

AIB Bank Operations Diploma Principles of Banking General or Financial Accounting Law & Banking: Principles or Applications Money & Banking Supervisor Online Certificate PLUS 4 Elective Credits – 2 must be from AIB courses

AIB Banking & Finance Diploma Principles of Banking Analyzing Financial Statements Economics for Bankers General or Financial Accounting Law & Banking: Applications ONE OF THE FOLLOWING: Commercial, Consumer, or Mortgage Lending PLUS 1 Additional AIB Course PLUS Additional Elective Courses to Equal 30 Credits

AIB Commercial Lending Diploma Principles of Banking Analyzing Financial Statements and Commercial Lending OR ABA Commercial Lending Certificate Credit Products for Small Businesses Dealing Effectively with Co‐Workers Deposit Products for Small Businesses Ethical Issues for Bankers General or Financial Accounting Law & Banking: Principles Managing Time at Work Presentation Skills Relationship Selling to Small Business Customers Servicing & Growing Small Business Relationships

AIB Consumer Lending Diploma Principles of Banking Analyzing Financial Statements Building & Retaining Customer Relationships Consumer Lending Effective Client Referrals Ethical Issues for Bankers General or Financial Accounting Introduction to Relationship Selling Law & Banking: Principles or Applications Managing Time at Work Presentation Skills Writing Bank Correspondence

AIB General Banking Diploma Principles of Banking Economics for Bankers Ethical Issues for Bankers General or Financial Accounting Law & Banking: Principles or Applications Marketing Financial Services PLUS 6 Elective Credits – 3 must be from AIB courses

AIB Military Bank Operations Diploma Principles of Banking Analyzing Bank Performance Economics for Bankers Ethical Issues for Bankers or Credit from Military Leadership Course General or Financial Accounting Law & Banking: Principles Managing Interest Rate Risk Money & Banking Supervisor Certificate or Credit from Military Leadership Course Regulatory Compliance for Financial Managers

AIB Residential Mortgage Lending Diploma Principles of Banking Analyzing Financial Statements Effective Client Referrals Ethical Issues for Bankers General or Financial Accounting Introduction to Mortgage Lending Introduction to Relationship Selling Law & Banking: Principles Managing Time at Work Personal tax Return Analysis Presentation Skills Writing Bank Correspondence

AIB Retail Branch Management Diploma Principles of Banking Building & Retaining Customer Relationships Calling on Small Business Customers Effective Client Referrals Ethical Issues for Bankers Fundamentals of Consumer Lending Fundamentals of Small Business Banking Introduction to Relationship Selling Law & Banking: Principles AND Applications Managing Change Managing Time at Work Presentation Skills Sales Coaching in the Bank Servicing & Growing Small Business Relationships Successful Sales Campaigns Supervisor Online Certificate Writing Bank Correspondence

Choose any AIB course to fulfill the elective requirement of an AIB diploma/certificate. Or, transfer a portion of the credits needed from a technical college or university. Call our office for more details ‐ (414) 332‐6468.

What’s An

Elective?

AIB Diplomas

AIB Online Certificates


AIB Bank Service Provider Certificate ................................... $595 Banking Today Ethical Issues for Bankers Fundamentals of Consumer Lending Fundamentals of Small Business Banking Regulatory Compliance for Personal Bankers Understanding Bank Products

AIB Bank Teller Certificate.................................................... $595 Banking Today Business Etiquette Dealing Effectively with Co‐Workers Effective Client Referrals Ethical Issues for Bankers Introduction to Relationship Selling Regulatory Compliance for Tellers Revitalizing Customer Service Today’s Teller

AIB Call Center Representative Certificate ........................... $595 Banking Today Cross‐Selling Deposit Products Dealing Effectively with Co‐Workers Effective Client Referrals Ethical Issues for Bankers Introduction to Relationship Selling Regulatory Compliance for Call Center Representatives Revitalizing Customer Service Teleconsulting Telephone Etiquette Understanding Bank Products

AIB Customer Service Representative Certificate ................. $595 Banking Today Building & Retaining Customer Relationships Cross‐Selling Deposit Products Dealing Effectively with Co‐Workers Effective Client Referrals Ethical Issues for Bankers Introduction to Relationship Selling Regulatory Compliance for Customer Service Representatives Revitalizing Customer Service Telephone Etiquette Understanding Bank Products

AIB Personal Banking Certificate ......................................... $595 Banking Today Building & Retaining Customer Relationships Consumer Credit Products Cross‐Selling Deposit Products Dealing Effectively with Co‐Workers Effective Client Referrals Ethical Issues for Bankers Fundamentals of Consumer Lending Introduction to Relationship Selling Managing Time at Work Overview of Financial Statements Regulatory Compliance for Personal Bankers Teleconsulting Writing Bank Correspondence

AIB Small Business Banking Certificate……………………………....$595 Banking Today Calling on Small Business Customers Credit Products for Small Businesses Deposit Products & Services for Small Businesses Fundamentals of Small Business Banking Introduction to Analyzing Financial Statements Personal Tax return Analysis Relationship Selling to Small Businesses Servicing & Growing Small Business Relationships Small Business Borrowing

AIB Supervisor Certificate……………………………………………..…….$595 Banking Today Coaching for Success Corrective Action Ethical Issues for Bankers Hiring the Best Managing Employee Relations Performance Management Rewards & Recognition

AIB Team Leader Certificate………………………………………………..$595 Banking Today Coaching for Success Dealing Effectively with Co‐Workers Managing Change Meetings that Work Presentations Skills Rewards & Recognition

ABA Commercial Lending Certificate……………………...$600 SAVE $150! Understanding Business Borrowers Analyzing Business Financial Statements and Tax Returns Analyzing Personal Financial Statements and Tax Returns Qualitative Analysis and Determining a Credit Risk Rating Loan Structuring, Documentation, Pricing and Problem Loans For Course Descriptions visit www.cftncs.org

SAVE $100

SAVE $345

SAVE $480

SAVE $480

SAVE $765

SAVE $335

SAVE $165

SAVE $165

CFT Diplomas


CFT Advanced Credit Analyst Diploma Principles of Banking Analyzing Financial Statements and Commercial Lending or ABA Commercial Lending Certificate Essentials of Mortgage Lending Fundamentals of Consumer Lending Fundamentals of Small Business Banking General or Financial Accounting Law & Banking: Principles or Applications Marketing Financial Services Personal Tax Return Analysis Problem Loan Workouts Writing Bank Correspondence

CFT Advanced Financial Services Diploma Principles of Banking or Banking Today or 3 years of Banking Experience Analyzing Financial Statements Business Communication Customer Service Excellence or Sales Excellence General OR Financial Accounting Human Relations in Banking or Management Law & Banking: Principles or Applications Marketing Financial Services Money & Banking ANY 2 of the Following: Commercial, Consumer, or Mortgage Lending 2‐3 Elective Credits of Your Choice

CFT Credit Analyst Diploma Principles of Banking Analyzing Financial Statements and Commercial Lending or ABA Commercial Lending Certificate General or Financial Accounting Law & Banking: Principles or Applications Personal Tax Return Analysis Problem Loan Workouts Writing Bank Correspondence

CFT Financial Services Diploma Principles of Banking or Banking Today or 3 years of Banking Experience Customer Service Excellence or Sales Excellence General or Financial Accounting Human Relations in Banking or Management Law & Banking: Principles or Applications Marketing Financial Services 2‐3 Elective Credits of Your Choice

CFT Human Resources Diploma Principles of Banking Business Communications or Communication Skills Human Resource Management Human Relations in Banking ANY 2 of the Following: Human Resource Selection, Employment Labor Law, Organizational Development 2‐3 Elective Credits of Your Choice

CFT Management Diploma Principles of Banking Management or Supervisor Certificate Business Communications or Communications Skills The Future of Business ANY 2 of the Following: Human Relations in Banking, Human Resource Selection, Human Resource Management, Organizational Development 2‐3 Elective Credits of Your Choice

CFT Real Estate Lending Diploma Principles of Banking Analyzing Financial Statements Building & Retaining Customer Relationships Economics for Bankers General or Financial Accounting Introduction to Mortgage Lending Law & Banking: Principles or Applications Real Estate Law Real Estate Finance Real Estate Appraisal

CFT Sales & Service Diploma CFT Retail Banking Certificate CFT Sales Certificate or CFT Sales Manager Certificate Principles of Banking Marketing Financial Services Human Relations in Banking or Management 2‐3 Elective Credits of Your Choice

Create a Customized Employee Development Program Unique to Your Financial Institution!

CFT will help create an Employee Development Program specific to your financial institution’s needs. Your program will consist of a track for each identified job function – for example General Banking, Frontline, Personal Banker, Lender, Operations, Supervisor/Team Leader. For each track, CFT will work with your designated expert on that function to combine your internal training programs, training options from other sources, and/or specific CFT courses and seminars. The goal? To create a clear and concise roadmap that allows employees to take control of their educational development and allows trainers to train rather than continuously struggle with who needs to know what. Interested in finding out how CFT can help your organization build its own Customized Employee Development Program? Call the CFT office today at 414‐332‐6468.

CFT Certificates


CFT Intro to Accounting Certificate Principles of Banking Business Math Business Communication Economics for Bankers General or Financial Accounting

CFT Intro to Credit Analyst Certificate Principles of Banking Analyzing Financial Statements and Commercial Lending or ABA Commercial Lending Certificate Economics for Bankers General or Financial Accounting PLUS One of the following: Business Math, Money & Banking, Real Estate Law

CFT Intro to Financial Services Certificate Principles of Banking Business Math Customer Service Excellence Economics for Bankers Law & Banking Principles or Applications Marketing Financial Services

CFT Intro to Residential Lending Certificate Appraisal Procedures Completing the HUD‐1 Discovering FHA Programs Elements of Title Insurance Essentials of Mortgage Lending Explaining Loan Modifications Gathering Facts on Mortgage Fraud Processing and Underwriting Credit Processing Income & Assets Reviewing the Appraisal Report

CFT Lending Fundamentals Certificate Banking Today Fundamentals of Consumer Lending Essentials of Mortgage Lending Introduction to or Overview of Analyzing Financial Statements Qualifying Mortgage Prospects Understanding Business Borrowers

CFT Retail Banking Certificate Banking Today Building & Retaining Customer Relationships Consumer Credit Products Cross‐Selling Deposit Products Effective Client Referrals Fundamentals of Consumer Lending Introduction to Relationship Selling Writing Bank Correspondence

CFT Sales Certificate Banking Today Building & Retaining Customer Relationships Cross‐Selling Deposit Products Effective Client Referrals Event Based Selling Introduction to Relationship Selling Understanding Bank Products

CFT Sales Manager Certificate Banking Today Building & Retaining Customer Relationships Event Based Selling Introduction to Relationship Selling Meetings that Work Rewards & Recognition Sales Coaching in the Bank Successful Sales Campaigns

Transfer Your CFT Credits to Your Local College or University!

The American Council on Education’s (ACE) College Credit Recommendation Service reviewed and recommended college credit for the following online courses:

AIB Analyzing Financial Statements AIB Commercial Lending AIB Consumer Lending AIB Economics for Bankers AIB Financial Accounting AIB General Accounting AIB Introduction to Mortgage Lending AIB Law and Banking: Applications AIB Law & Banking: Principles AIB Marketing Financial Services AIB Money and Banking AIB Principles of Banking CFT Business Communications CFT Business Math CFT Human Relations CFT Real Estate Appraisal CFT Real Estate Finance CFT Real Estate Law CFT Understanding Organizational Behavior

Each college or university decides whether to grant credit for ACE college credit recommendations, however, over 1200 colleges across the country have granted credit for such courses. ACE is the major coordinating body for all the nation’s higher education institutions.

Whatever your learning style, CFT has it – evening classroom, independent study, online instructor-led, online self-paced, webinars, and webcourses.

Just sign up and you are on your way to a great education leading to a great career!

CFT Policies & Procedures


Code of Ethics The Center for Financial Training recognizes that it takes more than quality education and a commitment to the financial services industry to be successful in accomplishing our mission. We rely heavily on our solid reputation for honesty, fairness, and ethical conduct to attract our students, recruit quality instructors, and retain high levels of customer retention and respect that we have worked hard to achieve. Our reputation ultimately rests on the good judgment and personal integrity of everyone – staff, volunteers, students, instructors, and all other associated individuals and organizations – involved with CFT.

Those associated with CFT in any capacity shall commit themselves to: Maintaining the highest standard of personal conduct, avoiding even the

perception of improper conduct Striving for excellence in all aspects of CFT Using only legal and ethical means in all CFT activities, including

conducting all financial transactions in a responsible manner Acting with impartiality in all CFT matters Maintaining the confidentiality of privileged information entrusted to

them by virtue of their association with CFT Refusing to engage in, or tolerate, activities for personal gain at the

expense of CFT or the financial services industry Communicating in a truthful and accurate manner

Academic Integrity CFT strongly supports the concept of academic integrity and seeks to foster sound moral behavior in its students and faculty. Academic dishonesty can take many forms, including cheating on examinations, plagiarism, helping others to commit dishonest acts, etc. and must never be tolerated. Students engaging in academic dishonesty are subject to serious consequences. Instructors who observe or suspect an incident of academic dishonesty shall bring it to the attention of the appropriate CFT office personnel immediately for prompt investigation, review, and action.

Attendance Policy Student attendance and class participation play an important role in the education process. For this reason, CFT has adopted the following attendance policy. More than three absences in a 15 week course, two absences in a 10 week course, one absence in a 5‐8 week course, or any absence in a course of less than 5 weeks may result in the loss of course credits, a decrease in grade, or removal from the course. The entire cost of the course will still be charged and the student may be responsible for those charges.

Substitution If you intend to withdraw prior to the start of class, a substitute may attend. CFT must be notified in writing of a substitution prior to the start date to avoid the withdrawal fee.

Nondiscrimination Clause CFT reaffirms its standing policy of nondiscrimination in employment and in all programs and activities with respect to race, creed, color, gender, age, religion, national origin, handicap, or veterans’ status.

Smoking Policy There is absolutely no smoking allowed in any facility that CFT holds programs. Those who smoke will have to do so in designated areas outside of the building.

Inclement Weather Policy In the event of inclement weather, students attending courses held at schools or colleges should listen to their local radio station for closing announcements. Students attending courses/seminars held at financial institutions or other facilities will be notified by the CFT office if the course/seminar will be cancelled due to inclement weather. If you are ever in doubt, please call your instructor or the CFT office at 414‐332‐6468.

Grading CFT uses an official letter grading system for courses eligible for awarding credit. Letter grades are awarded as follows: A (90‐100%) B (80‐89%) C (70‐79%) D (60‐69%) F (>60%)

P = Passing (Recorded for programs that do not have a formal examination at the end of the course.) I = Incomplete (Recorded when a student is unable to complete course for legitimate reasons. Course must be completed with one month of completion date or grade will automatically become an “F”.) T = Transfer Credit (Recorded for transfer credits from accredited colleges and universities. Only courses completed with a “C” or better may be considered for transfer credit. There may be a fee charged for transferring credits onto the CFT transcript. W = Withdraw (Recorded when written notification is received prior to the conclusion of the course. An “F” will be recorded if the student has not withdrawn in writing.)

Withdrawal Policies Students must notify the CFT office and their financial organization in writing with intent to withdraw. Failure to comply with these instructions, even during the pre‐registration period, may result in the student absorbing all fees. Withdrawal forms are available on our website at www.cftncs.org.

In ‐Person Semester Courses ‐ A $50.00 fee applies to all withdrawals once the registration has been sent to the CFT office.

o 1‐7 Week Course...Must be reported prior to the start date to receive a full refund, $50 withdrawal fee still applies. No refunds will be given after start date.

o 8‐15 Week Course...Must be reported prior to the start date to receive a full refund, $50 withdrawal fee still applies. No refunds will be given after the third class date but a substitute may attend with prior written notification to CFT.

Independent Study ‐ A $100.00 fee applies once registration and payment is received by the CFT office. No refunds will be issued once the student has been mailed the course materials.

Online Course ‐ Withdrawals must be received by CFT no later than ten days prior to the start date to receive a full refund, minus the $50.00 withdrawal fee. Any withdrawal received less than ten days before the start of the course will be assessed a cancellation fee as follows:

o 6+ week course.......................................... $100.00 + textbook fee

o 4‐5 week course........................................... $75.00+ textbook fee

o Transfer fee (applies once course starts)....... $150.00 o No refund after start date

Self ‐Paced Online Course ‐ No refunds will be issued once registration has been processed.

Seminars – No refunds issued after the registration deadline. No shows will be charged full amount due. Substitutes are welcome with prior consent.

Student Recordkeeping


Recordkeeping The Center for Financial Training follows a strict confidentiality policy regarding CFT student records. All requests for CFT student records must be submitted in writing from the student. The one exception to this requirement is for the appropriate representative at the student’s financial institution to receive the student’s grade upon the completion of the course, and periodically receive transcript information on employees for personnel files. Students sign an authorization to release this information to their employer when they register for a CFT course. Following are the types of recordkeeping services available.

Student Transcript CFT maintains all student records on file at the CFT office. Students who wish to obtain a copy of their CFT student records should complete the CFT Transcript Request Form found on our website or obtainable from the CFT office. Most colleges and universities require an official transcript when students request a transfer in of CFT credits. An official CFT transcript costs $25 per copy requested and includes an unofficial copy sent to the student. Please note that transcripts cannot be faxed. If the last courses taken were prior to 1990, an additional $10 archival fee will apply.

Credit Transfer Evaluation CFT accepts transfer credit from most colleges and universities. In order to receive transfer credit into a CFT student record, students will need to complete the CFT Transfer Evaluation Form found on our website or obtainable from the CFT office and forward it along with the $40.00 transfer credit evaluation fee. Please instruct your college to send your official transcript directly to the CFT office. Upon completion of the transfer credit evaluation by CFT, students will receive their CFT transcript reflecting which college credits were accepted into their CFT student record.

CFT Board of Directors

The Center for Financial Training, North Central States is honored to present our distinguished Board of Directors. In addition to their oversight and governance, the Board ensures that the financial services industry as a whole receives the highest quality educational opportunities provided by highly respected instructors and facilitators.

President: Dawn Schimke, Associated Bank President Elect: TBD Treasurer: Peter Schumacher, Profinium Financial, Inc. Secretary: LaWanda Baldwin

Directors: Jill Breitrick, Premier Community Bank Amy Dexheimer, BMO Harris Bank Rachel Dumke, First Bank Financial Centre Mary Litzenberger, AbbyBank Lori Ruch, National Exchange Bank & Trust

Senior Advisors: Terri Peterson, Tri City National Bank Dave Mauer, M&I Bank (retired)

It is the goal of CFT to have board representation from all areas of Wisconsin, all size banks, and several different functions within the bank. We are always interested in hearing from bankers who feel they could help make a difference in the area of training and education for the financial industry. If you would be interested in joining the CFT Board of Directors, please contact Sandy Kuehn at [email protected] for more information.

Have a training need that was not addressed in this catalog? Give us a call and we will work with you to build the training your employees need – 414‐332‐6468.

CFT Registration Form Fall 2013


COMPLETE FORM WITH APPROPRIATE SIGNATURES FOR BILLING

FAX TO: 414‐332‐6478 OR MAIL TO: 121 E. SILVER SPRING DR. WHITEFISH BAY, WI 53217

REGISTER ONLINE www.cftncs.org

Student Name

Student Email (required for confirmations, online courses, webinars)

Organization Name

Supervisor’s Name Supervisor’s Title

Organization Address

City State Zip

Business Phone Business Fax

Home Phone (for emergency only)

Course Format I Am Registering For: In‐Person Seminar Independent Study Webcourse In‐Person Course Online Course Webinar – Live Recorded Both

COURSE TITLE LOCATION/FORMAT DAY /DATES COURSE FEE

Processing FeeFor Online and Independent Study only and is non refundable

$15.00

TOTAL

Cancellation Policy: Cancellations must be received in writing up to five (5) business days prior to seminar/webinar date to receive a full refund. Cancellations received less than five (5) business days before seminar/webinar and no‐shows will be charged in full. Substitutions may attend if prior notice is received. Withdrawal Policy: Students must notify CFT in writing with their intent to withdraw from a course. Forms can be found on the CFT website – www.cftncs.org. Withdrawals from In‐Person courses must be received before first class for courses less than eight (8) weeks long and before the third class for courses longer than eight (8) weeks to receive a full refund minus the withdrawal fee ($50). Withdrawals from Online courses must be received ten (10) days prior to the start date to receive a full refund, minus the withdrawal fee ($50). No refunds will be issued after the start date. Withdrawals from Independent Study courses must be received within five (5) business days of receipt of materials to receive a full refund minus a withdrawal fee ($100).

Payment (Choose One)

Invoice Bank

Attn: ________________________________

Check Enclosed

Credit Card:

Visa MasterCard Discover

If paying by credit card:

Name on Card: ____________________________________________

Address Associated with Card: __________________________________________________________ Street City State Zip

Credit Card #:______________________________________________

Exp. Date: ________________ CSC# ______________ Generally it’s the last three digits in the signature area on back of card.

Cardholder Signature: _______________________________________ By submitting this registration, I acknowledge that I have read and understand the withdrawal policies and hereby grant permission to provide information on my course to the CFT representative of my organization. ___________________________________________________________ ________________________________________________________ Student Signature Date Supervisor/ CFT Representative Signature Date ___________________________________________________________ Manager/Supervisor Signature Date *Required for processing

CFT‐NCS reaffirms its standing policy of non‐discrimination in employment and in all programs and activities with respect to race, creed, disability, color, sex, age, religion, or national origin

Center for Financial Training, North Central States, Inc. 121 E. Silver Spring Drive, Suite 209 Whitefish Bay WI 53217 Phone: 414.332.6468 Fax: 414.332.6478 www.cftncs.org [email protected]

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