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RC-C Loan Coding and RC-R Risk Weighting Loans

Don't risk making costly mistakes in your loan reporting. In this informative & engaging session, we'll walk through the priority for reporting loan information correctly & guide you through the complex process of coding loans based on borrower, collateral, & purpose. We'll also cover the four risk-based capital categories of loans & give you the tools you need to confidently categorize & report your loans.

OnDemand
Recorded Thursday,
April 6th, 2023
2 Presenters
2h total length
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Accounting/Reporting
  • Lending
  • Reporting
  • Branch Manager
  • Controller/Accountant
  • Internal Auditor
  • Loan Closer
  • Loan Operations Manager/Specialist
  • Trainer

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Loan information on the Call Report provides critical information for bank management and regulators. The rules for coding loans reported on Schedule RC-C dictate how loans are to be reported on all loan schedules in the Call Report, including the income statement, charge-offs and recoveries, averages, past due loans, and non-accrual loans.

What You'll Learn

Schedule RC-C: This webinar will walk through the classification priority for reporting loan information correctly. Learn when to code the loan based on borrower, when to code based on collateral, and when to code based on purpose.
Schedule RC-R: This webinar will cover the four risk-based capital categories of loans:

  • Residential mortgage exposures,
  • High volatility commercial real estate, including the updated definition of HVCRE ADC loans.
  • Loans past due 90 days or more and loans on non-accrual status, and
  • All other loans.

In addition, we will review the requirements for reporting unfunded commitments in RC-R Part I under the CBLR framework and for Risk-Based Capital purposes in RC-R Part II.

Who Should Attend

This course will benefit anyone responsible for assigning or reviewing the regulatory codes on loans, or responsible for preparing risk-based capital, including loan officers, loan assistants, loan operations personnel, and Call Report preparers. This two-hour update will benefit even experienced Call Report preparers, reviewers, and auditors. This training can be used to supplement annual comprehensive Call Report training as recommended by the regulators.


Cynthia Dopjera

Instructor Bio

Ms. Dopjera, a Certified Public Accountant, has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include accounting, internal audit, Call Report preparation and review while working for community as well as regional banks.

In 2000, Ms. Dopjera joined the public accounting firm of Harper & Pearson Company, P.C., where she served as Practice Leader for the Firm's financial institutions practice covering community and regional institutions. The Firm's services included financial statement audit, accounting, tax preparation and filing, internal control audit, Call Report audit, loan and asset quality review, and design and implementation of internal controls over financial reporting frameworks for institutions regulated under FDICIA and Sarbanes-Oxley. In 2018, Ms. Dopjera retired from Harper & Pearson Company, and currently provides accounting, consulting, and training services to financial institutions.


Andrea Lambert

Instructor Bio

Andrea Lambert is currently lending her skills as a trainer and consultant as a member of the 3PR staff. Andrea has over 20 years of banking experience with a broad range of financial and operational skills. She began her banking career as a part-time teller and bookkeeper as she completed her BS in finance from Illinois State University. In 2005, she started a seven-year career with The Office of the Comptroller of the Currency as an Associate National Bank Examiner, becoming familiar with rules and regulations, best practices, and success strategies as they relate to the call report process and the banking industry as a whole. In 2012, Andrea filled the Cashier position at a local community bank. During the ten years she worked there, she was responsible for ensuring the accuracy of various operational components of the bank, with a focus on call report preparation.