School of Agricultural Lending


June 14-18, 2021

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MARKETING SOLUTIONS

EMERGING LEADERS DEVELOPMENT PROGRAM

Summer Conference

June 2-3, 2021 - Register NOW!

Women in Community Banking Summit

Register Today!

Together We Prosper

Community banks prosper when the communities they serve prosper. North Dakota is our home, and ICBND exclusively represents and promotes our state’s independent community banks.

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Other Events - Live or Virtual

Enroll in one of our educational sessions to keep your bank up-to-date on financial trends, regulatory changes, and required annual training. We add new live and virutal sessions on a regular basis.

Please note:  If you are unable to find your session here, please Click HERE or go to Education+Events/Webinar Sessions and click the Other Events - Live or Virtual tab just below the calendar. Thanks!

Consent for Use of Photographic Images – Registration and attendance at, or participation in, ICBND meetings and other activities constitutes an agreement by the registrant to ICBND’s use and distribution (both now and in the future) of the registrant’s or attendee’s image or voice in social media, photographs, videotapes, electronic reproductions, and audiotapes of such events and activities.

Emerging Leaders Development

The ICBND Emerging Leaders Development Program was designed specifically for the future community banker leader.  It will develop strong performers who will drive growth, innovation and change for their community bank.  Members of this program will benefit through individual self-discovery, personal and professional growth and career development.  The ICBND Emerging Leader program aims to support North Dakota's community banks in the development of its people so that these bankers will become impactful leades of influence - for the bank, themselves and their communities.

The future of community banking depends upon a new generation of bankers. These bankers will need to be progressive, technology-smart, legislatively-informed, community-minded, and knowledgeable of what their competition is doing. In addition, our future bankers must become experts at marketing themselves, as well as their bank products and services. And they must become leaders, not only among their industry peers, but in their communities as well.

The ICBND Emerging Leaders Development Program prepares today’s independent bank leaders with the necessary skills to ensure bank profitability. The Emerging Leaders Development Program provides its members the opportunity to develop lifetime business relationships with the best and brightest people in community banking across North Dakota. From networking with peers to political activism, members have the opportunity to help ensure the future of the North Dakota community banking industry.

Here are just some of the benefits you will get with the Emerging Leaders Development Program:

  • Provides access to a tremendous network of community bankers with a vast background of knowledge and experience who are willing to share it in a non-competitive environment.
  • Reinforces the importance of the community banking philosophy and the importance of that philosophy not only to our industry, but to our local communities.
  • Offers enhanced perspective of the importance of ICBND’s legislative efforts in North Dakota and Washington and how best to communicate with elected officials.
  • Provides you the opportunity to learn the skills needed to be a respected, contributing officer of your bank with the ability to handle increasing responsibility.
  • One Emerging Leader is elected to sit as a liaison member of the ICBND Board of Directors. This individual will join ICBND and our ND community bankers at the ICBA Washington DC Capital Summit. Trip expenses will be paid for by ICBND.
  • One additional Emerging Leader will receive a scholarship to attend the ICBA Washington DC Capital Summit
  • To assure ICBND members are getting the most out of this membership, the program is designed with flexibility in mind. Annual membership is to the bank which enables you to register any employee(s) to each event.

The 2021 Emerging Leaders Development Program will include four sessions throughout the year.  Please see the flyer for more information and below for the current session's information.

Membership Fees; Individual Sessions:

  1. Winter Session - $299
  2. Summer Conference - $449
  3. ICBND Annual Convention Full Registration - $649
  4. Fall Session - $199

Membership Fees; Discounted Annual Membership (includes March and October sessions, Summer Conference, and one full registration to 2021 ICBND Annual Convention:

  1. One Attendee - $749
  2. Two Attendees - $1299
  3. Each additional member from same bank after two - $549

                     JOIN THIS PROGRAM NOW!
2021 Emerging Leaders Development Group Annual Membership

For more information on the year's agenda and for paper registration, Click Here for the flyer or

Enroll NOW!

Consent for Use of Photographic Images – Registration and attendance at, or participation in, ICBND meetings and other activities constitutes an agreement by the registrant to ICBND’s use and distribution (both now and in the future) of the registrant’s or attendee’s image or voice in social media, photographs, videotapes, electronic reproductions, and audiotapes of such events and activities.

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Emerging Leaders Development Program Summer Conference:

Ramkota Hotel & Conference Center, Bismarck ND

June 2-3, 2021

North Dakota's agricultural industry and it's impact on community banks will be the primary topic of this year's conference. Agriculture is the largest sector of North Dakota's economy and makes up a large portion of our community banks' portfolio. Several topics discussed will include farm diversification, livestock marketing, and new and innovative technologies.

The Emerging Leaders Development Program (ELDP) is designed for career-aspiring community bankers who are committed to preserving and enhancing community banking and its philosophies. You do not need to be a member of the ELDP to attend and we encourage all bankers to attend if they can.

AGENDA: Day One-June 2

  • 8:30 a.m.-9:30 a.m. Breakfast
  • 9:30 a.m.-10:30 a.m. Calli Thorne “Pioneering Legacy Part #1”
    • As part of the John Maxwell Team, Calli enjoys personal development coaching, keynote speaking and training teams. She specializes within the agricultural industry, working with entrepreneurs and those seeking improved health. Her family are 4th generation ranchers in western North Dakota and currently have a cow/calf operation, a custom backgrounding feedlot, raise forage crops and also sell beef directly to consumers year-round.
  • 10:30 a.m.-10:45 a.m. Break
  • 10:45 a.m.-11:45 a.m. Calli Thorne “Pioneering Legacy Part #2”
  • 11:45 a.m.-12:30 p.m. Lunch - Sponsored in part by: Bell Bank     BB Horz Block RGB
  • 1:00 p.m.-4:30 p.m. Menoken Farm Tour 1107 171st St NE, Menoken, ND 58558
    • *Transportation NOT provided, carpooling is encouraged*
  • 5:30 p.m. Meet at the Entrance to Bismarck Municipal Ballpark 400 East Front Ave, Bismarck, ND 58504 
    • We will have food, drinks and fun in the Tailgate area prior to the game.
  • 6:35 p.m. Bismarck Larks vs Duluth Huskies Baseball Game

AGENDA: Day Two-June 3

  • 8:30 a.m.-9:30 a.m. Breakfast
  • 9:30 a.m.-10:30 a.m. Doug Goehring, North Dakota Agriculture Commissioner
    • Doug Goehring has been North Dakota Agriculture Commissioner since 2009. A third-generation farmer, he, along with his son Dustin, operates a 2,600 acre, no-till farm in south central North Dakota. Beyond his responsibilities to ND’s agriculture industry, his portfolio as commissioner also includes oil and gas, water, trade, business development, tax equalization and infrastructure.
  • 10:30 a.m.-10:45 a.m. Break
  • 10:45 a.m.-11:45 a.m. Bill Price, Price Cattle Ranch LLP & Missouri River Feeders LLP
    • Bill Price is a managing partner of Price Cattle Ranch LLP and Missouri River Feeders LLP, serves as a governor of Quality Dairy Growers LLC, Sunnyside Feeds LLC and ND Sow Center. He is a member of the ND Stockmen’s Association and National Cattlemen’s Beef Association. He operates a very modern ranch utilizing the most modern technology and has done a lot to develop the export of U.S. beef.
  • 11:45 a.m.-12:45 p.m. Lunch - Sponsored in part by: Bell Bank     BB Horz Block RGB
  • 12:45 p.m.-1:30 p.m. Tyler Schau, Commodity Broker, Kluis Commodity Advisors
    • Tyler was born and raised in State Center, IA, and now calls Almont, ND home. Before joining the Kluis Commodity Advisors Team in 2019, Tyler was the agricultural economics instructor and Farm and Ranch Management degree advisor at Bismarck State College, in Bismarck, ND. In July of 2020, Tyler and Kluis Commodity Advisors opened their branch office in Almont, ND. As a Commodity Broker he helps farmers and ranchers develop and put into action their marketing plans.
  • 1:30 p.m.-2:30 p.m. Lynn Paulson, Senior Vice President, Bell Bank
    • Lynn Paulson is senior vice president and director of agribusiness development for Bell State Bank & Trust. He often speaks to financial, commodity and other farm groups on agricultural lending and finance, the global economy and the ag economy. He has audiences fully engaged as he discusses the hard-hitting issues facing farmers and ranchers today.

REGISTRATION:

ICBND Emerging Leaders Development Program Annual Member FREE

ICBND Emerging Leader Alumni $399

ICBND Member—Non-Emerging Leader Members $449

Non-ICBND Members $499*

Cost includes sessions, all meals, tour, admission for one to the Bismarck Larks baseball game, food and drinks at the game. *Eligible nonmember banks may apply the difference of the nonmember registration fee minus the ICBND member registration fee towards their current year membership dues if they choose to join the association after the session

For more information, please click here for the FLYER

Register Here

Consent for Use of Photographic Images – Registration and attendance at, or participation in, ICBND meetings and other activities constitutes an agreement by the registrant to ICBND’s use and distribution (both now and in the future) of the registrant’s or attendee’s image or voice in social media, photographs, videotapes, electronic reproductions, and audiotapes of such events and activities.

Cancellation Policy

Individuals canceling 15 days prior to seminar date will receive 100% refund; 14 to 7 days prior to seminar date will receive 50%; less than 7 days prior to seminar date will receive no refund.

Community Bankers for Compliance

 CBC 2021

The challenge of keeping pace with the ever-changing compliance regulations!

Because of the constant change in compliance regulations, staying compliant is a challenging, never-ending process. Luckily, ICBND offers a comprehensive compliance support program: Community Bankers for Compliance (CBC) Sponsored by Young and Associates, Inc., this program gives your bank the resources and support it needs to stay compliant.

Community Bankers for Compliance Program Annual Membership
When you enroll your bank for annual membership in the CBC, you can decide which of your employees will participate in each session. Membership includes:

  • attendance at the spring and fall two-day live regulatory seminars
  • detailed manual for each two-day live seminar
  • two quarterly regulatory update webinars
  • monthly Compliance Update newsletter issued electronically
  • online and toll free access to Young & Associates for compliance questions

Enroll today to make sure compliance is an established, consistent practice at your bank. For a paper enrollment and for more information CLICK HERE.

Consent for Use of Photographic Images – Registration and attendance at, or participation in, ICBND meetings and other activities constitutes an agreement by the registrant to ICBND’s use and distribution (both now and in the future) of the registrant’s or attendee’s image or voice in social media, photographs, videotapes, electronic reproductions, and audiotapes of such events and activities.


Community Bankers for Compliance Program

Regulatory Seminars

April 13 & 14, 2021

Ramkota Hotel, 800 S. 3rd Street, Bismarck ND 58501 701-258-7700     CHANGED TO VIRTUAL GOTOWEBINAR MEETINGS

CBC 2021 April

Day One: CONSTRUCTION LOAN COMPLIANCE

Ever since the advent of the TILA‐RESPA Integrated Disclosures (TRID) a few years ago, banks have struggled with disclosing a construction or construction/permanent loan. A major part of the problem has been the inability of the Consumer Financial Protection Bureau to clearly articulate the TRID requirements. This inability has created problems for bankers, loan software companies, auditors and consultants, regulators, and most importantly – consumers. And while we have a clearer picture now, there still are questions that remain unanswered.This seminar will discuss the variety of legal ways to structure and disclose construction and construction/permanent loans, and the impact those decisions may have on your institution and consumers. After discussing the construction product and disclosure possibilities, we will then take those possibilities and apply them to the TRID disclosures themselves.For the TRID portion of the seminar, we will be focusing on two elements. The first will be the timing of the Loan Estimate and Closing Disclosure in a construction or construction/permanent loan. This discussion will be relatively brief, as we discussed general TRID timing requirements during our 2020 CBC presentations.The balance of the TRID presentation will focus on the TRID forms themselves, discussing the options available and the requirements to complete the Loan Estimate and Closing Disclosure. As with the timing discussion, we will limit our discussion to those areas which carry the most TRID risk for construction and construction/permanent loans. The teaching manual will only include the information that will be discussed in the seminar. A more complete set of TRID manuals, covering all TRID requirements, will be available to member attendees via the web.

Day one: 10:00am to 4:30pm Virtual Webinar

Who Should Attend

Compliance officers, senior mortgage management, construction lenders andCompliance officers, senior mortgage management, construction lenders andprocessors, and others with responsibilities for consumer construction loans shouldattend. Additionally, audit personnel will find this session useful.

Agenda Main Subject

  • Construction and construction/permanent loan product decision making and the impacts of those decisions
  • Construction loan TRID timing issues
  • Construction loan issues in completing the Loan Estimate and Closing Disclosure

Day Two: FAIR LENDING TECHNIQUES

Early this year the FDIC strengthened their approach to fair lending examinations, and issued a variety of new documents, new procedures, and new checklists that examiners are required to complete. All of the regulators have stated that fair lending is going to play a larger role in examinations, even though the Federal Reserve and Office of the Comptroller of the Currency have not updated their fair lending manuals for a while. If your bank has a fair lending issue, finding it and dealing with it promptly is important..This seminar will deal with techniques that you can use to monitor your bank’s fair lending status. Included will be case studies, techniques, checklists, suggestions for approaches and other aids that will assist you and your bank to prepare for your next (and probably more detailed)fair lending exam. While we will address portions of the regulation briefly, our focus is going to be on methods that apply the regulation to your bank. The presenters will assume that attendees understand the basics of the regulation.Some of the case studies and other material will be fairly lengthy and will be forwarded to attendees for review. Attendees should read and understand them prior to the seminar to get the maximum value from the program. We will not be able to offer attendees sufficient time during the seminar to digest the information. (This will probably be the first time a CBC program includes homework.) This topic was suggested by many attendees when we last solicited topics.The presentation will also include a brief discussion of the new HPML escrow rule. 

Day two: 8:30am to 3:00pm Virtual Webinar

Who Should Attend

Compliance officers, senior lending management, lenders, and others with Compliance officers, senior lending management, lenders, and others with responsibilities for lending of all types within the bank. Additionally, audit personnel will find this session useful.

Agenda Main Subject   (Presentation order subject to change)

  • HPML Escrow
  • A brief review of some portions of Regulation B
  • Analysis of fair lending using a variety of methods
    • Matched Pair
    • File Review
    • Report analysis
    • Denials
    • Other techniques
  • A comprehensive review of examination approaches at setforth by the various examiners

Regulatory Seminar 2 Day Event Fees:

ICBND and Community Bankers for Compliance (CBC) Members: If 2021 annual dues of $1,500 for one attendee or $1,800 for two attendees has been paid, no additional cost for this session.
$200 per 2-day session for each additional attendee above 2 attendees.

ICBND Members who are not members of the CBC Program: $950 per 2-day session for the first attendee.
$600 per 2-day session for each additional person.

Non-ICBND Members
$1,400 per 2-day session for the first attendee.
$1,000 per 2-day session for each additional attendee.

To register:CLICK HERE

SESSION INFORMATION FLYER


FUTURE EVENTS:

Live Regulatory Seminar:September 21 & 22, 2021

Holiday Inn Bismarck,  3903 State Street, Bismarck ND 58503 701-751-7700

Regulatory Update Webinar

May 21, 2021

November 19, 2021

Who Should Attend

The focus of the CBC is always regulatory compliance. It is essential that your bank’s compliance officer attend. But because regulatory compliance should be approached from a team perspective, many banks find it extremely beneficial to send additional employees to sessions on topics that relate directly to their positions in the bank. These employees typically come from the customer service, lending, or operations departments in the bank. To support this team effort, the CBC has been priced to enable your bank to send additional employees at a substantial savings.

About the Young & Associates, Inc.Instructors for the CBC Program

Bill Elliott CRCM, Director of Compliance Education 

With over 40 years of banking experience, Bill Elliott leads the compliance department at Young & Associates, Inc. where he conducts compliance reviews, leads compliance seminars, conducts in-house training, and writes compliance articles and training materials. During his career as a banker, Bill spent 15 years as a compliance officer in a large community bank. He has also been a lender for consumer, commercial, and mortgage loans, and has managed a variety of bank departments including loan review,consumer/commercial loan processing, mortgage loan processing, loan and credit administration, collections,and commercial loan workout.

Sharon Bond CRCM, Consultant

Sharon Bond is a consultant with Young & Associates, Inc. where she specializes in Consumer Compliance. Sharon works on a variety of compliance-related issues, including leading compliance seminars,conducting compliance reviews for all areas of compliance, conducting in-house training, and writing compliance articles and training materials. With over 30 years of industry experience, she has a strong background in mortgage lending and in federal consumer compliance laws and regulations. Sharon was an Associate National Bank Examiner with the Office of the Comptroller of the Currency (OCC) for five years. She holds the designation of Certified Regulatory Compliance Manager (CRCM) and the Six Sigma Qualtec Black Belt certifications.

Dale Neiss CRCM, Consultant 

Dale Neiss is a compliance consultant with Young & Associates, Inc. With over 30 years of banking experience in Denver, CO, Dale has developed and implemented compliance management systems,loan review and community reinvestment act (CRA) programs, and enterprise risk management (ERM) framework for multiple banks. He has held the titles of Compliance and Loan Review Manager, BSA and CRA Officer, and Enterprise Risk Management Director. Dale began his banking career with the Office of the Comptroller of the Currency in Indianapolis, IN as an associate national bank examiner. At Young &Associates, Inc., he provides consulting and training,as well as writes articles and compliance manuals.He holds the designation of Certified Regulatory Compliance Manager (CRCM) by the Institute of Certified Bankers in Washington, D.C..

Subjects for future seminars will be shaped by regulatory events as they unfold. The CBC quarterly compliance program remains committed to providing as much up-to-the- minute information as possible. The program will closely monitor releases from the CFPB and other agencies to assure that you have the most up-to-date and accurate information possible.

For more information on CBC Membership call Jessie Pfaff at 701.258.7121.

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