Dawn Kincaid began her banking career while attending The Ohio State University. She has 20 years’ experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Dawn served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, andorganized implementation of new products and services. Dawn has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer.
Began her banking career while attending The Ohio State University
20 years’ experience in client service, operations, information technology, administration, board relations, marketing, and compliance
Most recently, Senior Vice President of Operations for a central-Ohio-based community bank
Has served in the roles of compliance, BSA/AML, CRA, privacy, and security officer
Community banking expert Dawn Kincaid will show you how to avoid mistakes when preparing consumer loan documentation. You will learn how to review files, ensure compliance, and protect your institution.
Topics Covered
How can you review a consumer application for completeness?
What are the requirements for credit report usage?
For which loans must GMI be collected?
What checklists should you use to verify loan file documentation?
What are the best practices for documenting BSA requirements?
What key regulatory items should you look for when auditing loan files?
Community banking expert Dawn Kincaid will share policies, procedures, checklists, and a sample residential loan appraisal. You will learn how to optimize your appraisal process to ensure accuracy and please examiners.
Topics Covered
What are the appraisal rule requirements and thresholds?
What are examiners’ expectations for appraisals?
When is a full appraisal required instead of an evaluation?
Community banking expert Dawn Kincaid will review the regulatory guidance in detail, revealing overdraft program issues identified through consumer complaints, examinations, and enforcement actions. You will learn how to avoid similar mistakes.
Topics Covered
How do guidance for ad hoc and automated overdraft programs differ?
What is the opt-in/opt-out process required by Regulation E?
How can you identify the inherent rights of your overdraft program?
What policies and procedures should you implement?
What are the overdraft restrictions for employees and insiders?
