The Community Bankers School - Ibcbanks


The Community Bankers SchoolDear Community Banker:WHAT MAKES THE DIFFERENCE?Have you wondered what makes some community bankers more successful thanothers? Is it native intelligence, talent or dedication? Is it that one person seekssuccess and the other doesn't? I believe the difference lies in what each personknows and how he or she makes use of that knowledge.“I throughly enjoyed myweek at The CommunityBankers School. The dayswere long, but we learnedso much information. Itwas extremely beneficial.”Tyler Ochs, AVPThe Peoples StateBank, NewtonThat is why I am writing to you about The Community Bankers School. The purpose of this school is to impart knowledge participants can use every day in community banking. The Community Bankers School (CBS) is available to communitybankers nationwide, making it The School for community bankers in the country.In addition, CBS is sponsored by ten state community-banking associations.A SCHOOL UNLIKE ANY OTHERYou see, CBS is unique. A subcommittee annually evaluates faculty, curriculumand student comments to enhance the value of CBS. Each year, the faculty hasbeen improved and the curriculum updated to include timely topics and the latestlearning techniques. CBS is conducted in the state-of-the-art facilities of IllinoisWesleyan University.KNOWLEDGE IS THE DIFFERENCEIn looking at the alumni list, I see that more than 1,000 people have graduatedfrom this school during the last 30 years. More than 90 percent of attendees eachyear have evaluated it as “excellent” or “very good.” The vast majority of graduateshave been promoted or taken on new responsibilities at their banks. More than 40individuals are now bank presidents and 15 are outside directors — a track recordthat proves knowledge makes the difference.MY PERSONAL GUARANTEEPlease put my statement to the test by enrolling one of your associates in Class Iof the Community Bankers School. I guarantee that this individual will return tothe bank more motivated and better equipped to contribute to theoverall success of your community bank. Should CBS not measure upto your expectations, you may contact me within two weeks of the student's return and the full tuition will be refunded to your bank!AN INVESTMENT IN SUCCESSEnroll a candidate now! It's a no-risk investment in your communitybank's success.Sincerely,Melinda McClelland, Administrator,The Community Bankers School andVP of Education & Special Events,Community Bankers Association of Illinois

July 12-17, 2020The Community Bankers School is an intensive programdesigned for today’s community bank professional. Here iswhat students gain: background and experience for broader responsibilitiesand greater effectiveness; a broad understanding of the overall deposit, creditand investment functions of a community bank; an appreciation for customer service and an activebusiness-development program; insight into a community bank’s overall operationsresponsibilities and techniques for integratingtechnology into the bank’s strategic plan; the opportunity to compare and share experiences withpeers, instructors and senior bankers; the invaluable student notebook which contains courseoutlines, supplemental reading materials, as well asexhibits and sample forms; and the ability to immediately contribute to the overallsuccess of the bank.“David and Jeff have an outstanding way of teaching andcapitivating their audience.”Lisa Herr, ControllerState Bank of GraymontMoney-Back GuaranteeShould CBS not measure upto your expectations,call within two weeks, and the full tuitionwill be refunded to your bank.

Class I ScheduleMONDAY8 a.m.9 a.m.10 a.m.Introduction to ComplianceBill Elliott11 a.m.Exposure toMonetary EconomicsDave KempNoonLunch1 p.m.2 p.m.3 p.m.Introduction to AccountingJeffery Johnson4 p.m.Introduction to Compliance(cont’d)Bill Elliott5 - 6 p.m.Dinner/Free Time6 p.m.7 p.m.Technology TrendsJoe OleksakTUESDAYWEDNESDAYAnalyzing FinancialStatementsJeffery JohnsonContinuity PlanningFraudRobbery PreventionJim RechelStructuring LoansJeffery JohnsonSecondary MarketChris MilneLunchLunchTHURSDAYFRIDAYExaminationDave KempCollections, Problem Loans,Management & BankruptcyDave KempTest Review & DiscussionOwnership DocumentationKathy EnbomCommercial Loan CaseDave KempJeffery JohnsonLunchGraduation Luncheon& DismissalIntroduction to AuditingKathy EnbomBank InvestmentsMatt HarrisConsumer CreditDave KempConsumer & CommercialLoan Documentation &Lending Wrap-UpJeffery Johnson &Dave KempAg OutlookBrad ZwillingDinner/Free TimeSales TrainingPatrick DixSocial ActivityCommercial Loan CaseStudent Group PreparationFACULTYArchie Bransford Jr. — Bransford is the owner and operator ofBransford & Associates, LLC, Atlanta, GA, which provides regulatory consulting services to financial institutions. He workedwith the Office of the Comptroller of the Currency (OCC) for30 years and retired as the deputy comptroller for the agency'sSouthern District. He served as the deputy comptroller for theSoutheastern District in Atlanta, district administrator for theSoutheastern District, and examiner-in-charge for First UnionCorporation in Charlotte, NC. Bransford earned a B.S. in business administration from the University of Detroit, MI.Sean Cunningham –– Cunningham is a regional manager withMarquis, a company that leverages technology to help banksincrease revenue by retaining current customers. He was formerly the chief marketing and retail officer with a communitybank in Illinois where his efforts were focused on achieving positive ROI through targeted marketing. He also implemented andmanaged his bank's sales and service initiatives. With Marquis,Cunningham helps banks across the country maximize theirstrategic marketing and sales efforts particularly specializing inloan growth, cross-sales, retention and sales automation.Patrick Dix –– Patrick leads SHAZAM's relationships and partnerships with more than 70 industry organizations and tradeassociations. The focus of SHAZAM's strategic alliances is to support the advocacy work of association partners and ensure community financial institutions have a strong voice in the paymentsindustry. Before joining SHAZAM Dix spent 25 years as a broadcast journalist including 16 years as the senior morning newsanchor at the NBC affiliate in Des Moines Iowa.Sunday, July 12Registration & Check-in3:30 - 5 p.m.Orientation & Dinner5 - 6:30 p.m.Commercial Loan CaseStudent Group PreparationDinner on your ownConcepts of FinancialPlanningRichard Hiatt6:30 - 8:30 p.m.Bill Elliott –– Elliott, CRCM, is a senior consultant with Young& Associates of Kent, OH, a nationally recognized complianceconsulting firm for community banks. He has 24 years ofbanking experience, including 16 years of experience as acompliance and CRA officer. He was previously a lender forconsumer, commercial and mortgage loans, and has managedthe loan review, loan processing, loan administration, creditadministration and collections functions. He conducts compliance reviews for all areas of compliance and writes compliance articles and training materials.Kathy Enbom –– Enbom, CRCM, senior manager at WipfliLLP in Sterling, IL, has an extensive background in regulatory compliance, marketing and leadership, including significant training in developing, delivering and implementinginstructional programs. She uses this experience to enhancethe consultative interaction by providing guidance andresources to assist clients in improving their overall compliance management system. Enbom's well-rounded experiencein financial services helped her develop a comprehensiveunderstanding of bank operations and management.Donna Goelz –– Goelz is an attorney with Howard & Howard,Peoria, IL, who concentrates her practice in corporate, regulatory and compliance matters for financial institutions. Priorto joining Howard & Howard, Goelz had extensive experience working with one of St. Louis' largest law firms representing major banks, thrifts and related holding companies incorporate, regulatory and securities law matters. She provided legal direction during the formation of entities, acquisitions, securities offerings and other regulatory matters related to banking and financial organizations. Goelz is admittedto both the Illinois and Missouri State Bar Associations.

Class II Schedule8 a.m.9 a.m.10 a.m.MONDAYTUESDAYCommunity Bank Policies& Regulatory RelationsDave KempBusiness Development& Establishing aMarketing ProgramSean CunninghamWEDNESDAYAsset/Liability &Investment ManagementMatt HarrisFederal Regulatory UpdateBill ElliottRisk ManagementKathy EnbomNoonLunchLunchLunch1 p.m.Federal Regulatory UpdateBill ElliottLoan ReviewJeffery JohnsonBank Financial RatiosArchie Bransford Jr.Human ResourceManagementand Legal IssuesRobert KearneyBank-Liability IssuesGoelz & VanFleet11 a.m.Strategic PlanningDave KempTHURSDAYStrategic Managementof Community Banks(Simulation Exercise)John OliverLunch2 p.m.3 p.m.6 p.m.7 p.m.Strategic Managementof Community Banks(Simulation Exercise)& ExaminationJohn OliverGraduation Luncheon& DismissalSunday, July 12Management PrinciplesElaine Hand4 p.m.5 - 6 p.m.FRIDAYExamination & ReviewJeffery JohnsonDinner/Free TimeFuture Trendsin TechnologyMark SchollStrategic ManagementJohn OliverStrategic Managementof Community Banks(Simulation Exercise)John OliverOrientation & Dinner5 - 6:30 p.m.Dinner/Free TimeSocial ActivityElaine Hand –– Hand is the president of Illinois-basedInnerview, Inc. She is a facilitator, trainer, speaker, leader andplanner. Prior to creating Innerview, Inc., Hand worked inbanking for 20 years. Her job responsibilities includedrecruitment and retention of employees, training, assessments, benefits planning, government regulations, retail andcommercial development, marketing, sales and management.Hand has strategically aligned her company with key solutions providers in order to ensure the fast and efficient resolution to the people concerns that her clients face.Matt Harris –– Harris, CFA, is senior vice president at TheBaker Group, where he serves as assistant director ofAsset/Liability Management. He started with the firm in2007 as an intern while attending the University of TexasAustin, where he earned a bachelor’s degree in governmentand economics. In 2010, he joined the firm’s FinancialStrategies Group at the home office in Oklahoma City, wherehe works directly with bankers, examiners and auditorsregarding fixed income portfolio analysis and asset/liabilitymanagement. Harris is also involved in the development andtesting of Baker proprietary bond accounting and interestrate risk software.Richard Hiatt — Hiatt is self-employed in estate planning,investments and financial services. He is the owner of HiattEnterprises, which provides agriculture land management,record bookkeeping and consulting. He is also a consultant inbank and trust services with Fairbury-Cropsey CommunityBank, a division of Morton Community Bank, and providesfinancial planning through Wayne Hummer Investments.Hiatt has been a banker for 35 years, starting as a farm manager, 12 years as a trust officer, and as president of twobanks. He is a past group director of CBAI and is past chairman of the CBAI Foundation for Community Banking.Strategic Managementof Community Banks(Simulation Exercise)John OliverRegistration & Check-in3:30 - 5 p.m.Dinner on your ownCredit AdministrationJeffery Johnson6:30 - 8:30 p.m.Jeffery Johnson — Johnson is the president and founder ofBankers Insight Group, Atlanta, GA. Beginning as a management trainee, he was promoted to group vice president forSun Trust Bank, Atlanta. He also served as senior vice president and commercial banking division manager for CitizensTrust Bank, Atlanta. A graduate of Morehouse College,Atlanta; John Carroll University in University Heights, OH;and the Prochnow Graduate School of Banking, Madison,WI; Johnson also received a graduate certificate in bankmanagement from Wharton School of Business at theUniversity of Pennsylvania, Philadelphia.Robert Kearney –– At Illinois Wesleyan University, Kearney teaches business and employment law. He has also taught in theCollege of Business Administration at the University of Illinois atChicago, as well as the University of Michigan Business School,Ann Arbor. Kearney has written extensively in the area ofemployment law and on issues affecting the workplace, witharticles appearing in several law journals. He is licensed to practice law in Illinois and admitted to several federal courts. Heearned his J.D. at Notre Dame Law School, South Bend, IN.Dave Kemp — Kemp is founder and president of BankersManagement, Inc., a nationally recognized financial management, consulting and training firm located in College Park,GA. He serves as lead faculty member for The CommunityBankers School. He is a former vice president corporatefinance for Citicorp and a branch manager and commerciallender for the former First National Bank of Atlanta andCitizens and Southern National Bank. Kemp earned a bachelor’s degree from Morris Brown College, Atlanta, and completed graduate courses in accounting corporate finance atGeorgia State University, Atlanta, and Harvard University,Cambridge, MA.

“I cannot stress enoughhow much I enjoyed theCommunity BankersSchool. While much of itdoes not directly relate tomy job (IT) it gives me agreat perspective on therest of the bank. I highlyrecommend this School toany current or future manager who wants to learnmore about how theirbank works.”Bob Beverage,Network & ITManagerHeartland Bank &Trust, BloomingtonChris Milne –– Milne is managing directorof institutional sales at the Federal HomeLoan Bank of Chicago. In addition tomanaging the team of sales directors whomarket the Bank's funding and mortgageprograms to community banks and depositories in Illinois and Wisconsin, Milnecovers more than 150 members includingmany large members and all of southernIllinois. During his 14 year tenure atFHLB Chicago, he has managed mortgagepricing and trading for the MPF program,negotiated large mortgage loan purchases,and managed the Bank's investment portfolio which mainly consists of MBS. Priorto FHLB Chicago, Milne worked at bothlarge and small investment banks sellingand trading bonds.Joe Oleksak –– Oleksak is a leader withPlante Moran's Information Technology(IT) Consulting team focusing on IT risksand controls. He specializes in advisingclients on IT security, audit and technology so that they can stay on the cuttingedge of industry regulations, trends andsecurity best practices. His areas of focusinclude IT strategic planning, IT riskassessments, network and web applicationsecurity and penetration testing, IT audits,business continuity and disaster recoverymanagement, incident response planningand SSAE16/SOC reporting. Oleksak haspresented at various conferences on security-related topics and has written or beenquoted in various technology whitepapers, industry newsletters and magazines.John Oliver — Oliver is the founder ofLaurel Management Systems, Inc., PalmSprings, CA. He has been in the financialservices field for more than 35 years,working both in Europe and the UnitedStates. For the past 18 years, he has built athriving consulting practice with focus onstrategic planning and the developmentalneeds of managers and directors in financial services. Oliver is responsible for thedesign and implementation of his company's highly regarded FIplanner strategicplanning system. He also authored WhatReally Is Expected of Me: The CommunityBank Directors Guidebook.Extension Problem ReviewA review of the extension problemsfor Class II will be conducted at7:30 a.m. on Monday, July 13, withDave Kemp and Jeff Johnson.Jim Rechel — Rechel is president ofThe Rechel Group, Inc., Cincinnati, OH,which specializes in security interventionsolutions. As former director of bank protection for Fifth Third Bank in Cincinnati,he was responsible for the fraud-prevention and investigation program for thecredit- and debit-card portfolio. Prior tothis, he held various positions within thebank protection department, and was aloan officer for Fifth Third Bank. Rechelwas also a special agent with the FBI andinvestigated white-collar crime, includingbank fraud, government corruption, bankrobberies and narcotics cases.Mark Scholl –– Scholl is a partner forWipfli LLP, specializing in all aspects ofinformation-security services includinginformation-system security auditing andinternet intrusion-testing services. Schollhas over 30 years of technology experience with the last 20 years providing consulting services such as network designand installation, information systems support, IT auditing, perimeter-intrusion testing, IT training and many other information-security services. Scholl earned abachelor of science degree at Illinois StateUniversity, Normal, and has IT certifications as Certified Information SystemsSecurity Professional (CISSP), MicrosoftCertified Systems Engineer (MCSE),Certified Information Systems Auditor(CISA), and Certified Ethical Hacker(CEH).Joseph VanFleet — VanFleet, attorney withHoward & Howard, Peoria, IL, concentrateshis practice on business, commercial, realestate and construction litigation; with aheavier emphasis on banking, creditors'rights and general business law. After several years at one of the world's largest lawfirms, VanFleet formed his own practicewhere he focused on providing sophisticatedcost-effective legal representation for hisbroad spectrum of banks and corporateclients in a manner custom-designed toachieve the desired result for each specificmatter. He is licensed in the state of Illinoisand admitted to practice before the UnitedStates and Illinois State Supreme Courts,the US Court of Appeals for the SeventhCircuit, and the US District Courts for theNorthern and Central Districts of Illinois.Brad Zwilling — Zwilling is the vice president of data analysis for Illinois FarmBusiness Farm Management. He compiles,analyzes and reports results from FBFMcooperator records to be used for cooperatorbenchmarking and farm record data studies.Zwilling has a responsibility for statewidetraining of associated educational materialsfor FBFM field staff and develops and supports management information and computer systems to deliver farm record analysis.Zwilling received a bachelor’s and master’sdegree from the University of Illinois,Champaign.

ProgramThe Community Bankers School consists of two, one-week sessions atIllinois Wesleyan University, locatedin Bloomington, IL. The 2020 sessionopens Sunday, July 12, and concludesFriday, July 17. Classes I and II meetconcurrently. Attendees are expectedto conduct themselves as representatives of their banks and theirAssociations at all times. To receive adiploma, students must attend everyclass and special activity that isscheduled for their Class; and complete and maintain a passing average(C or better) on the exam at the endof both Classes I and II, and on thethree extension problems. The extension problems are assigned andmailed to students prior to Class II.Please note that there are groupassignments that may require meeting outside of class time.Admission RequirementsTo be admitted to CBS, applicantsmust meet the following qualifications:1. current employee of acommunity bank; and2. high school graduate withthree years of bankingexperience; or collegegraduate and one year inbanking.(NOTE: Deadline to enroll is July 1, 2020)Selection of ApplicantsApplications are approved in the orderreceived. Letters of acceptance, aninvoice for tuition, and additionalbackground information are then furnished to each applicant.ScholarshipsThree full scholarships are availableeach year for CBAI member bankers toattend CBS. Contact the CBAIDepartment of Communications at217/529-2265 or via e-mail for more details.OrientationOn Sunday evening, a short orientation is held. All students are briefedon the contents of their notebooks,school schedules, classroom locationsand more. After dinner, both groupsbegin class. Class I discusses“Concepts of Financial Planning” withRichard Hiatt; Class II discusses“Credit Administration” with JefferyJohnson.Tuesday SocialAll students participate in a socialevent. Tradition calls for Class II to produce “The Skit” for the entertainment.GraduationCommencement exercises are scheduled for 12 p.m. on Friday, July 17,2020, in Memorial Student Center.Both classes are required to attend.CEOs and guests of graduates areencouraged to attend.Enrollment FeesFees include registration, tuition,meals, course notebooks, orientationand social events listed in the preliminary schedule. Housing is a separatefee; cost is dependent upon choice.Students are invoiced upon acceptance. A 150 University Fee isassessed for any participant whochooses not to stay on campus.First and Second Year 2020Member of CBAG, CBAI, CBI, IBSC,IBAT, IBC, ICBM, ICBND, MIBA,VACB — 1,399 (per year)Non-member Banker — 2,399(per year)First and Second Year 2021 — TBACancellation PolicyStudents may cancel without penaltyprior to June 1, 2020. After June 1, a 250 penalty will be charged. Norefunds are issued after the coursebegins. Requests for cancellationmust be in writing.Housing ArrangementsYou may choose to stay on campus inthe apartment housing, commute, ormake your own reservations at ahotel. Past graduates strongly recommend staying in the apartment stylehousing that include a kitchen, livingroom, private, shared bathrooms ineach apartment, and your own private bedroom with double bed. Theyfeel staying on campus is the bestway to make life-long connectionswith other community bankers as youstudy together for the exam or worktogether on your team projects.“I really enjoyed stayingin the dorms. It is a greatway to get to know ourclassmates outside theclass setting.”MichaelFehrenbacher,Asst. BSA OfficerTrustBank, Olney

Community Bankers School Enrollment & Housing FormI l l i n o i s We s l e y a n U n i v e r s i t yBloomington, IllinoisJuly 12-17, 2020Bank Name:Assets:Bank Address:City/State/Zip:Phone NumberApplicant Name:E-Mail:(E-mail address required for registration.)Title:Area of Banking:I have special needs, please contact me before CBS.MaleFemalePlease indicate the class for which you are registering:First YearSecond YearEducational Background (Check highest level achieved):High School GraduateCollege GraduateAssociate DegreeGraduate SchoolYears of banking experience:I have computer experience:YesNoTo assist in planning for CBS, please check which housing option you plan to utilize. A 150 University fee will beassessed for any participant who chooses not to stay on campus.Commute to CBS – If you are a local resident, you may wish to live at home. A 150 University fee will be assessed.Apartment-style housing —— Locking single bedrooms with semi-private bath – This building has four bedroom suites witha kitchen, living room and two bathrooms. This option requires an additional 325 for the week.If you have a roommate request, please indicate here.Local Hotel – If you cannot commute and do not want to live in a dorm, you may make and pay for your own hotelreservations. Please reference CBAI. A 150 University fee will be assessed. A block of rooms is reserved at the following hotel:Double Tree by Hilton Bloomington10 Brickyard Drive, Bloomington, IL 61701309/664-6446Rate: 123 tax single or double occupancyThe cut-off date for hotel reservations is June 21, 2020.Please reference the room-block name Community BankersAssociation of Illinois.First-Year and Second-Year Enrollment Fee:Member of CBAG, CBAI, CBI, IBSC, IBAT, IBC, ICBM, ICBND, MIBA, VACB — 1,399 (per year)Non-member Banks — 2,399 (per year)State association you were recruited by?Please select your payment method.Check EnclosedCheck in MailCredit Card**If you are paying by credit card, please fill out the following information.Name as It Reads on CardCard NumberCompany Name on CardExpiration DateBilling Address of CardMail it in:CBAI Education Department901 Community DriveSpringfield, IL 62703-5184Call it in:800/736-2224Three-Digit Security CodeFax it in:(217) 585-8738Click it

Dave Kemp — Kemp is founder and president of Bankers Management, Inc., a nationally recognized financial manage-ment, consulting and training firm located in College Park, GA. He serves as lead faculty member for The Community Bankers School. He is a former vice president corporate finance for Citicorp and a branch manager and commercial