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MBA Robert M. Perry Schools of Banking
The MBA Robert M. Perry Schools of Banking were established in 1976 through the cooperation of the
Michigan Bankers Association and the College of Business Administration at Central Michigan University.
The schools have been dedicated to the memory of the late Robert M. Perry, past executive vice president of
the Michigan Bankers Association. Robert M. Perry was dedicated to the development of banker education
programs throughout Michigan. As testimony to this, he was instrumental in the creation of the schools of
banking. The mission of the MBA Robert M. Perry Schools of Banking is to serve the banking industry of
Michigan through indepth and long-term continuing education programs.
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MBA Perry School of Auditing — July 12-14, 2010
This school provides bankers with practical, hands-on audit training including: establishing the audit function and
basic audit concepts, audit planning with emphasis on risk management, regulatory expectations, planning, programs and
work papers, audit results and reporting, audit committee process, communications and more.
The school is a three-day program with classroom, case analysis and hands-on instruction featuring a variety of teaching
methods including lecture, discussion, audio-visual presentations and case studies. Formal classes are held for approximately
22 hours from Monday morning through Wednesday afternoon.
Registration is from 8:00 a.m. to 8:30 a.m. on Monday morning. Orientation and class sessions begin at 8:30 a.m.
and end at 5:45 p.m. Classes on Tuesday will be held from 8:30 a.m. to 5:30 p.m. and on Wednesday from 8:30 a.m. to
4:15 p.m. All classes will be held on the campus of Central Michigan University.
Audit Planning with Emphasis on Risk Management
This session provides a methodology to develop an annual audit plan and how this affects what is presented to the
audit committee. Discussing the concept of risk and how risk impacts the audit schedule, the student is presented
with a risk management model that can be used to assess risk and determine frequency and scope of audits.
Audit Results and Reporting
This session reviews the audit reporting process and how to incorporate audit findings into an audit report draft,
obtain management responses and issue a final report. A skill building exercise will be completed to help the student
identify material audit findings and prepare a written report. The student will also learn how to effectively present
details of the report to the audit committee.
Case Study
Utilizing an opportunity to analyze the sample financial statements, students make recommendations for improvement.
Using a team approach, students are given a chance to apply the concepts that they have learned in other sessions.
Regulatory Expectations
Discussion of the regulators’ bank rating system, auditor influence on the rating assigned and auditor interface
with the examination process.
Communications Forum
This session enables the student to gain a better understanding of the four basic personality/leadership styles.
Individual assessments will be completed and utilized in a skill building exercise. The student will learn how to
improve flexibility when dealing with different personality/leadership styles, improve conflict resolution skills
and build rapport.
Establishing the Audit Function and Basic Audit Concepts
Geared at recognizing and understanding the necessary components in establishing an audit function, this session
utilizes examples of audit policies, audit charters and job descriptions. The session also covers the importance of
obtaining management’s support and confidence, which in turn allows them to use the audit function as a management
tool. Basic audit internal controls and the audit process will be introduced. Materiality and recognizing its impact
on audit findings and audit scope is discussed. The internal auditor’s interaction with management, the audit committee,
regulators and external auditors is reviewed, as well as the professional standards and ethics required of an internal auditor.
Standards for the Professional Practice of Internal Auditing
For the internal auditing profession, the Standards of Professional Practice are the foundation from which every
internal auditor needs to build. This session briefly outlines those standards and explains their importance to the
profession. Attendees will hear real-life situations involving each standard and will understand why they form the
basis of internal auditing professionals.
Planning, Program and Work Papers
This session includes an overview of audit/project planning, scope setting, preparation of audit programs,
the basis of effective working papers and the auditor’s role in good communications during the audit process.
Sarbanes -Oxley
The Sarbanes-Oxley Act (SOX) has created many implications for both public and nonpublic financial institutions.
The SEC, banking regulators, shareholders and the external auditors now have meaningful roles in understanding and
assessing compliance with many of the provisions of SOX. As a result of their interdependence and expertise, internal
auditors are often faced with the role and responsibilities of directing, assisting with and assessing compliance
with the provisions of SOX. Learn which specific provisions are most relevant to the audit function and the
identified issues and trends.
Who Should Attend
Students and beginning audit professionals desiring to expand their knowledge of auditing. Applicants should have
banking experience, but may be new to auditing or have internal audit experience looking for more formal training.
MBA Perry School of Banking — May 9-14, 2010
The curriculum is designed to provide students with the specific skills needed to manage the functional areas of
banking, as well as develop the ability to solve problems, work in teams and make decisions in a managerial setting.
The core curriculum also creates an understanding of how banks fit within the financial services industry in the new
millennium. The school exposes students to the increasingly complex and important areas of legal and regulatory issues,
legal environment and the role of the Federal Reserve. Lastly, MBA Perry School of Banking establishes knowledge of
community banking sales, business development strategies and community economic development programs.
Course Instruction
This school consists of a one-week term for three years. Between the terms, students are expected to complete four
correspondence assignments. Students must satisfactorily complete the assignments to return for the second and third
years.
Home Study Cases and Problems
Between the on-campus sessions, banking school participant’s complete four correspondence assignments that reinforce
the concepts learned during the school giving participants an opportunity for hands-on analysis. Cases involve bank
financial analysis, technology/operations issues, bank marketing and asset/liability management.Satisfactory
completion of the home study cases assigned is required for graduation from the school.
1st Year Schedule
Macroeconomics and the Banking System - This course provides bankers with a foundation of economic principles,
concepts and policies.
Retail Loan Department and Portfolio Management - This session includes a discussion of loan policy formulation,
loan administration and portfolio allocation, identifying the major types of consumer loans and lending criteria,
understanding loan collections and loan loss reserve adequacy, recognizing and reacting to external loan competition
and evaluating loan performance.
Commercial Lending - Learn to differentiate between three major types of bank loans, discuss/implement methods of
analyzing financial statements, recognize the importance of proper loan documentation, perfection of security interest
and consider some of the main elements of a bank’s loan policy.
Operations and Technology Issues - This session gives students a good understanding of where payment systems and
technology are going and the major issues surrounding them as they continue to impact the delivery of bank services.
Real Estate Lending/Underwriting and Commercial Real Estate - This session provides a brief overview of the
functions of real estate lending including the importance of title search and lien perfection and a review of
popular mortgage products and new developments in the mortgage industry. This session gives basic instruction
in real estate finance and instruction on appraisals, loan analysis, documentation, marketing and servicing.
Investments for Bank Portfolios - Learn the process of formulating investment strategies and policies, identify
major principles in investment strategy and recognizing the risks, return and market differences between investment
instruments.
Bank Financial Analysis I - Learn to recognize and understand basic balance sheet and income statement components,
define key concepts in evaluating financial statements, recognize major sources of revenue and expense and understand
how to use operation’s ratios for planning and managing a bank.
Deposit and Liabilities - This session explains the differences in deposits, identifying major banking innovations,
understanding the restructuring of bank products and services to meet the competitive challenges of the new
millennium.
Sales: It’s Not a Four-Letter Word - Are you a salesperson? You better be if you want to succeed in today’s
hyper-competitive financial service marketplace. This session will provide you with the building blocks of becoming
a successful salesperson so you can defend your “turf ” and get more business.
2nd Year Schedule
Strategic Planning - Examine and understand the critical issues facing your financial
institution. Participate in an exercise designed to correct weaknesses, take advantage of strengths and maximize
opportunities in a continuously changing environment.
Bank Marketing - This course includes an overview of the basic principles of marketing
as applied to banking. Students are required to write a marketing project paper – the results of which will be of
benefit to their bank.
Asset Liability Management - Learn how asset liability management functions as an
integral part of achieving financial goals. This course will address concepts relating to interest rate risk,
liquidity risk, efficient capital deployment and managing the overall profitability of the bank.
Bank Financial Analysis II - Build on Bank Financial Analysis I and create a deeper
understanding of key operating ratios and their relationship to bank profitability.
Risk Management - Investigate various types of bank insurance including blanket bond,
directors and officers liability, trust errors and omissions, single interest, credit life, etc. Students also
learn methods of analyzing and comparing insurance proposals.
Bank Auditing - Explore the relationship between the internal/external audit functions
and the role of regulatory examinations. The course identifies generally accepted internal controls and explains the
basic mechanics of establishing appropriate audit trails.
Bank Profitability - Balance sheets and income statements of several distinctly
different banks will be reviewed. Cyclical, economic and philosophical changes will be discussed along with the
impact they have on different banks and how a bank may react in structuring their profitability.
Bank Security and Fraud Issues - Students will examine laws and regulations affecting
bank security, expose students to a variety of security systems and procedures designed to protect the bank, its
employees and customers.
Cash Management Issues - Learn how to define cash management, calculate float,
define balance reporting and compensating balance, describe lock box services, explain benefits of direct deposit
of payrolls and account reconciliation services and understand risk in cash management services.
Effective Leadership/Management Styles - Learn how to think like an effective leader,
gain respect and support, give and receive feedback and learn how to be more assertive when dealing with others.
You will identify your communication strengths and learn what you can do to develop your communication skills.
3rd Year Schedule
Human Resource Management - Areas explored include employee motivation, state and
federal employment laws, why hiring the “right” person is critical, employee interviewing, performance appraisals
and how to approach employee performance issues in a progressive and developmental way.
Managing Regulatory Risk - Learn about the legal environment that banks operate today
and how it has evolved. Included is a discussion of the various financial services provided.
Behavioral Principles for Improving Productivity - Develop and understand motivation,
leadership, goal setting, decision making, consequence formation, conflict resolution and team effectiveness. The
session includes extensive practice and case studies to help develop your skills.
Trust and Estates - Get an overview of the duties and responsibilities of a corporate
trustee – estate settlement, tax reporting, asset management and personal and employee benefit account administration.
Managing Conflict at Work - This session will help you understand and effectively
deal with conflict. Become more aware of the many personal and organizational benefits that are achieved when
conflict is viewed as positive rather than negative.
Bank Regulation - Students will discuss the purpose and scope of bank regulation,
review sample examination reports and learn how CAMEL ratings are assigned.
Purpose and Philosophy
With today’s competitive environment and focus on service and technology, employees need to be better educated now
more than ever. In this one-week, three-year program, the MBA Perry School of Banking provides individuals with a
concentrated, fast-paced understanding of banking. The mission of this school is to prepare first-level and
mid-level managers to effectively and profitably serve their financial institution by providing information in
which the following are achieved:
Increased understanding and appreciation of the many functions within the bank allowing them to contribute more
effectively to the bank.
Better understanding of a bank’s role in the financial services industry.
Expand their skills and knowledge beyond on-the-job training as preparation for additional responsibilities.
Increased knowledge and skills immediately applicable to their daily responsibilities.
New ideas and recharged attitude after interacting with other banking professionals.
Excellent foundation for continued education.
Admission Requirements
For admission, an applicant must be employed as a key staff member of a Michigan bank, or an associate member,
or a bank regulator and:
Have a college degree and two years banking experience, or have a high school diploma and five years banking
experience.
Be recommended by senior management.
Bank Management Simulation
Along with the challenging curriculum, the MBA Perry School of Banking also offers bank management simulation
in the final year. This phase of the school allows participants to make decisions as senior officers of a
bank. Working in teams, participants make operating, lending and pricing decisions that influence bank
profitability and bank stock price. As in the real world, good decisions lead to improved profits, higher
stock prices while bad decisions generate reduced earnings and share prices.
Who should attend
Participants are generally in managerial or professional positions at member banks. Those attending are usually
branch managers, assistant managers, personal bankers, senior customer service representatives, operations managers,
lenders and others with a desire to expand the scope of their banking knowledge and prepare themselves for growth
within their bank.
MBA Perry School of Lending — August 2-6, 2010
This school provides Michigan bankers with a basic introduction to credit and financial principles. The
program equips bankers with basic lending knowledge to help evaluate and structure small and self-employed
business and consumer and mortgage loans. Bankers will develop the following skills and proficiency.
Acquiring deeper knowledge of how businesses are structured and how they compete.
Forming a better awareness of the economy and how it affects the lending decision.
Developing an understanding of relationship banking, how to meet and maintain multiple customer financial needs.
Expanding the students’ knowledge of consumer credit and mortgage lending as a retail function and a source of bank income.
Increasing the students’ understanding of the managerial aspects of consumer, mortgage and commercial credit positions.
Considering the administrative and human relations skills needed to manage bank assets and meet customer credit needs.
Understanding the regulatory issues and documentation of the lending function.
Course Instruction
The school uses a five-day program with lecture, case analysis, role-playing and group interaction as the
teaching method. Formal classes are held for approximately 40 hours from Monday morning to Friday afternoon
including scheduled evening sessions.
Monday, August 2
Consumer Loan Structure of Typical Borrower
Consumer Loans: From Product Types to Approval
Home Equity Loans
Consumer Credit Analysis
Case Presentations
Tuesday, August 3
Analyzing Personal Financial Statements
Analyzing Tax Returns
Loan Collections
Introduction to Mortgage Banking and Product
Overview
Application, Underwriting and Approval
Loan Closing Documentation
Mortgage Lending Case Analysis
Wednesday, August 4
Understanding Appraisals
Mortgage Case Presentations
Five C’s of Commercial Lending
Structuring Commercial Loans
Thursday, August 5
Role of Commercial Lenders
Reading and Analyzing Business Financial Statements
Cash Flow and Ratio Analysis
Compliance for Lenders
Challenges in Banking
Friday, August 6
Personal Skills Development for Today’s Lender: Sales and Service
Graduation Luncheon
Who should attend
Participants are generally in managerial or professional positions at member banks. Those attending are usually
branch managers, assistant managers, personal bankers, senior customer service representatives, operations managers,
lenders and others with a desire to expand the scope of their banking knowledge and prepare themselves for growth
within their bank.
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