CSBS BAI Course Catalog

USA PATRIOT Act

USA PATRIOT Act: Managing Compliance 40 minutes This course is designed for financial institution professionals who need knowledge of the programs and procedural requirements mandated by the USA PATRIOT Act including money laundering, due diligence, CIP, and OFAC. 45 minutes This course is designed for financial institution professionals who need knowledge of the programs and procedural requirements mandated by the passage of the USA PATRIOT Act. Learning objectives include: defining money laundering and the Special Measures Statute to the BSA; recognizing situations that require due diligence; recognizing the main elements of a Customer Identification Program and recognizing the main elements of OFAC compliance. USA PATRIOT Act: The Financial Perspective

Commercial Banking

Commercial Lending

Commercial Banking: Capacity and Underwriting 15 minutes This course discusses the importance of conducting a cash flow analysis when assessing whether a borrower will be able to repay a loan. It also explains how to construct a cash flow analysis and interpret the cash flow statement. 15 minutes This course provides an overview of collateral and how it is used in the underwriting process, including the types of collateral that can be used for commercial loans and the information that is needed to verify collateral. 25 minutes This course provides an overview of the lending process, including how to answer consumer questions, what disclosures must be provided throughout the application timeline, and what common forms are needed for an application. This course also addresses the types of questions lenders can and cannot ask during the application process. This course includes: Reg B, TILA. 20 minutes This course provides an overview of the requirements and prohibitions of closing commercial loans. Regulations addressed in this course include the Equal Credit Opportunity Act (ECOA) and Truth in Lending Act (TILA). 25 minutes This course provides an overview of the regulations and guidance that affect the maintenance of a commercial loans portfolio. Regulations addressed in this course include the Community Reinvestment Act (CRA) and Regulation O. Commercial Banking: Collateral and Underwriting Commercial Banking: Completing the Application Commercial Banking: Considerations at Closing Commercial Banking: Consumer Lending Rules and Regulations

13