Programs & Speakers
Two types of education will be offered at the SEMBC: 4-hour National Association of Mortgage Brokers (NAMB) Certification Classes; and, 1-hour Continuing Education Breakout Sessions. If you would like to take classes for credit that counts toward the continuing education requirements for mortgage brokers in the state of Georgia, you must register for the classes. For those of you who do not need continuing education credits, you are welcome to attend the Continuing Education Breakout Sessions without registering, however seating priority will be given to attendees who are registered to take the classes for credit. NAMB Certification Classes may only be taken for credit. Register for educational classes using the “SEMBC General Registration Form” at www.sembc.com . If you have questions, contact SEMBC Programs & Speakers Chair Maggie Morgan-Reames at (404) 943-9910 or mreames@topofmind.com  or SEMBC PreRegistration Manager Kelli Crowe at (770) 689-9096 or sembc_registration@yahoo.com .
 

Dead Ringer NAMB Certification Education and State Regulation Classes
4 CEUs Per Class
 NAMB Certification Education Classes may be taken for credit only and count toward continuing education   requirements for mortgage brokers in the state of Georgia. You must register for the class in advance, and attend the full class in order to receive credit. Free Education Credits to All Members and Nonmembers who Preregister by October 12!
                       

“Mortgage Broker Business Ethics”
Sunday, October 28 . 8:00am-12:00noon
Jim Hope, GAMB Educational Foundation

As regulatory pressure continues to promulgate business practices, mortgage broker business ethics becomes an essential mechanism to promote professionalism, develop regulator and legislator respect, and gain consumer confidence. Mortgage Broker Business Ethics explores the basic concept of ethics in relation to business judgment and practice. The internal and external decision-making process of mortgage professionals is discussed with regard to job performance, consumer pressures, and industry competition. Concepts taught include:

• * Definitions of Ethics

• * Personal Values and Ethical Decision-Making

• * Self-Exploration of Ethical Compromise

• * NAMB Code of Ethics

• * Difference Between Law and Ethics

• * Decision-Making in Business Transactions

• * Ethics of Disclosure throughout Loan Origination

• * Solving Ethical Problems Related to Loan Transaction Decisions

• * Industry Teamwork and Ethics in Decision-Making

The course incorporates public complaints filed with state regulators as case studies for group discussion. Within small groups, participants are instructed to reach consensus on each case study presented. Group consensus must be reached determining whether the resulting decision was: ethical, unethical, or debatable. The goal is to promote decisions that support standards of good business practice while ultimately leading to the development of positive public image and respect of the mortgage brokerage profession

“Georgia State Regulations”
Sunday, October 28 . 8:00am-12:00noon
Drexel Beck, Franzen and Salzano

This course is designed to help mortgage professionals get a better understanding of the Rules, Regulations and Laws of the State of Georgia governing mortgage brokers as implemented and enforced by the Georgia Department of Banking & Finance.
 

“Introduction to Appraisal Underwriting”
Sunday, October 28 . 8:00am-12:00noon
Gary Seney, GAMB Educational Foundation

This presentation is a detailed review of the URAR (1004), highlighting the expectations of Genworth and the Conforming Agencies. In addition, minimum appraisal documentation is reviewed for all collateral types, as well as special considerations, such as rural properties, small acreages, atypical housing types and environmental hazards. Some issues are addressed through Case Study Analysis. After taking this seminar, your associates will be more productive – and adept at spotting factors that lead to higher default rates.

“Mortgage Loan Essentials”
Sunday, October 28 . 1:00pm-5:00pm
Frank (Paco) Torch, GAMB Educational Foundation
 

After a brief overview of the Loan Officer’s role in the mortgage industry, the seminar provides detail on how to effectively:

                       * Conduct a thorough interview;
                       * Complete the application completely and properly; and,
                       * Collect and review required documentation.

After a brief overview of the Mortgage Loan Processor’s role in the mortgage industry, the seminar provides detail on how to effectively:

                       * Review the Initial Mortgage Application (1003);
                       * Understand the compliance requirements; and,
                       * Request, collect and review required documentation.

Upon completion of this seminar, participants will be able to:

            * Identify different Types of Mortgage Lenders, Investors and
                           Departments;
                        * Thoroughly and accurately complete/review a loan application;
                        * Request and obtain accurate documentation;
                        * Review all documentation for accuracy and acceptability;
                        * Calculate Income and Ratios;
                        * Understand and be able to Explain Basic Loan Types and Programs;
                        * Calculate proposed Mortgage Payments;
                        * Quantify available Assets;
                        * Read and Understand a Credit Report;

Mortgage Loan Essentials is designed to help individuals understand their role and responsibilities within the Mortgage Loan process. It will prepare Loan Officers to conduct and complete an application interview successfully while understanding the documentation requirements. It provides a guide for a Mortgage Loan Processor to follow when processing an application

“Shedding Light on Credit Scoring”
Sunday, October 28 . 1:00pm-5:00pm
Dale Calomeni, GAMB Educational Foundation

This seminar provides you with a basic understanding of credit scores and gives a set of risk factors used in determining the score. It includes a discussion of FICO bureau scores and MDS bankruptcy scores, evaluating a score to industry guidelines, and compensating factors.

“Small Commercial Lending for Residential Brokers
(Beginning Class)”

Sunday, October 28 . 1:00pm-5:00pm
Gary Seney, GAMB Educational Foundation

This course will help brokers develop the basic knowledge and skills in commercial lending that are required to originate, process, and understand the nuances of commercial lending as compared to residential lending. Upon completion of the Small Commercial Lending For Residential Mortgage Brokers course, participants should be able to:

• * Explain the difference between commercial lending and residential lending

• * Explain why commercial lending increases lending opportunities for brokers

• * Identify general funding resources for commercial lending

• * Define small versus large commercial loans

• * Understand basic commercial loan application requirements

• * Prescreen property types for acceptability as collateral

• * Prescreen borrowers for qualification as a borrower or guarantor

• * Name at least two commercial lending programs

• * Explain the difference in compliance issues relative to commercial lending

• * Analyze Net Operating Income, Debt Service Coverage Ratio, Capitalization

Thriller Continuing Education Breakouts

1 CEU Per Class
SEMBC Continuing Education Breakouts may be taken for credit or no credit. Those wishing to receive credit must register for a class in advance, and must attend for the full session in order to receive credit that counts toward the continuing education requirements for mortgage brokers in the state of Georgia. Those conference attendees who do not wish to receive credit are welcome to join us for these informative educational sessions, however seating priority will be given to those attendees who are registered to take the class for credit. Free Education Credits to All Members and Nonmembers who Preregister by October 12!
 

“The Bare Bones on Mortgage Fraud Prevention and Awareness”

Monday, October 29 . 9:30am-10:30am
The All Broad Fraud Squad: Julia Barrette, Ann Fulmer and Alicia Sheppard 

“Died and Gone to Heaven: The Incredible Benefits of Reverse Mortgages”

Monday, October 29 . 9:30am-10:30am
Terry Bivins, 1st Reverse Financial Services

“Building a Business Plan That’s Dead-on-the-Money”
Monday, October 29 . 9:30am-10:30am
Mark Green, Top of Mind Networks

“I Know What You Did Last Summer: What to Expect When HUD Inspects”
Monday, October 29 . 9:30am-10:30am
Genny Kelly, Accurate Quality Control

“A Loan in the Dark: How to Get 5 More Deals Each Month”
Monday, October 29 . 10:45am-11:45am
Steve Beecham, Home Town Mortgage

“The Butterfly Effect: Paving the Way to Steady Growth”
Monday, October 29 . 10:45am-11:45am
Jan Schrader, Jan Schrader & Associates

“The Vanishing: How to Make Last Minute Title Delays Disappear”
Monday, October 29 . 10:45am-11:45am
Howell Haunson, Morris Hardwick Schneider

“Panic Protection: Operate More Smoothly with Policies & Procedures for Your Business”
Monday, October 29 . 10:45am-11:45am
Frank (Paco) Torch, Torch Mortgage Corporation

“Mortgage Fraud: The Silent Sin”
Monday, October 29 . 2:15pm-3:15pm
Tom Gillett, Thomas Gillett

“Enhance Your Skeleton Crew: Hiring the Right People at the Right Time”
Monday, October 29 . 2:15pm-3:15pm
Jan Schrader, Jan Schrader & Associates

“Don't Lose your Head: How to Survive and Audit”
Monday, October 29 . 2:15pm-3:15pm
Loretta Salzano, Franzen and Salzano

“To-Die-For Tips from Top Producing Loan Officers”
Monday, October 29 . 2:15pm-3:15pm
Panel Session

General Session: Keynote Speaker

“Transforming Your Customer Service Experience”
Monday, October 29 . 3:30pm-5:00pm
Kurt Ling, Customer Kinetics

“Don’t Lose Your Head: How to Survive an Audit”
Tuesday, October 30 . 9:30am-10:30am
Loretta Salzano, Franzen and Salzano

“Mortgage Madness: Making Sense of the Changing Market”
Tuesday, October 30 . 9:30am-10:30am
Steve Richman, Genworth

“Clearing Out the Cobwebs: DBF and HUD Updates”
Tuesday, October 30 . 9:30am-10:30am
Rod Carnes, Georgia Department of Banking & Finance; and, Charles Garner, U.S. Department of Housing & Urban Development

“A Charmed Existence: 10 Principles for a Life Well Lived”
Tuesday, October 30 . 9:30am-10:30am
Rich Vosler, Coaching for Life

“The Sixth Sense: How to Build Better Relationships with Your Customers”
Tuesday, October 30 . 10:45am-11:45am
Steve Beecham, Home Town Mortgage

“The Nature of the Beast: Legislative Updates”
Tuesday, October 30 . 10:45am-11:45am
Panel Session

“Think Your Computer’s Possessed? Understanding Microsoft Outlook”
Tuesday, October 30 . 10:45am-11:45am
Jeff Lochmandy, Washington Mutual

“Unchained Opportunities with Home Possible”
Tuesday, October 30 . 10:45am-11:45am
Helene Albanese, Freddie Mac

 To Register for Education Classes

Click either the online or printable “SEMBC General Registration Form” below:

SEMBC Online General Registration Form:
Click here register online to attend the conference, take education classes for credit, and play in the golf tournament.

SEMBC Printable General Registration Form:
Click here to register by fax or mail to attend the conference, take education classes for credit, and play in the golf tournament.