I had a favorite boss who often used the expression “blocking and tackling” to get his point across about the fundamentals of banking. As an All-American college lineman, my boss un-derstood for the team to win, most of the work would need to be done successfully at the line of scrimmage. If the line did not block properly and the defense did not execute effective tackling, the team did not win. Secured loan documentation is much akin to the front line of a football team as it must be consistent, follow the rules, and never break down in communications. To do less leaves the team vulnerable to penalty, opens teammates to injury, and ul-timately will cause the team to suffer defeat. Winning belongs to those who remember the fundamentals and execute on every play with efficiency and thoroughness. Those players who fail to execute the game plan successfully will find themselves either on the bench or no longer a part of the team. – Tom Vance

2014Secured Loan Documentation Blocking and Tackling

2014 Secured Loan DocumentationBlocking and Tackling

April 8 – Nashville TBA Barrett Training Center

April 9 – Knoxville UT Conference Center

April 16 – Jackson Union University – Carl Grant Events Center, Barefoot Student Building

Program InstructorTom D. Vance, is a consultant with more than 30 years of banking experience in Tennessee. He began his career in 1977 as a management trainee with Third National Bank. He spent 15 years with MidSouth Bank, Murfreesboro, ultimately serving as senior vice president for commercial

lending. Vance was subsequently market president for Dominion Bank of Rutherford County, regional executive for First Union National Bank of Tennessee, president and CEO of Rutherford Bank, and president and CEO of First National Bank of McMinnville and First McMinnville Cor-

poration, retiring in August of 2013. He also spent four years as president and executive director of the MTMC Foundation, 2002–2006. Vance earned his BBA degree with honors from Middle Tennessee State University and is a graduate of the Tennessee School of Banking, the ABA National Commercial Lending School, the ABA National Graduate Commercial Lending School, the Darden School of Banking, and The Southeastern School of Advanced Commercial Lending. He has served as an instructor for AIB and Junior Achievement, has written articles published by RMA, and is a frequent speaker on banking and economic issues at civic clubs.

Seminar DescriptionThis Secured Loan Documentation seminar will focus on the “why” for every document required to properly and appropriately secure the lending institution in the extension of credit. The instructor will share real-life banking examples to illustrate what can go wrong if proper documenta-tion procedures are not followed. These “spilled milk” stories and case scenarios will help those who attend remember the importance of getting documentation right and what can and will happen to the bank if the ball is fumbled along the way to the goal line.

Delivery Method, Program Level, & ContentAfter completing this group live, overview program, the participant will: recognize the documents needed in the process, have a good working knowledge of the purpose of each document, gain an overview of the loan documents’ provisions, know the rules of perfecting the security interest under UCC Article 9 and Non Article 9 rules, and learn some loan pro-cessing management techniques. Each participant will receive valuable information along with documents to use as reference materials ongoing. The instructor will take time to discuss and answer questions relevant to the loan documentation process.

Who Should AttendThe target audience for this program includes loan officers, credit analysts, note and credit department personnel, loan assistants and secretaries, internal auditors, loan review and compliance personnel, or any banker involved in the lending function who might benefit from this informa-tion. Inexperienced bankers who are moving into this area of banking also will learn information they need to perform this responsibility better. In addition, this program will update experienced bankers and confirm and refresh their understanding of lien perfection.

General InformationAttire: Business casual attire is appropriate for all TBA programs. Because of temperature variations in meeting rooms, please bring a sweater or jacket for your comfort.Special Needs: If you have a special need that may affect your participation in this program, please send TBA a state-ment regarding any special needs at least 10 days before the program. We will contact you to discuss accommodations.

Cancellation Policy: Cancellations received in the TBA office 5 business days prior to the scheduled program will be refunded in full. Due to commitments, cancellations received less than 5 business days prior to the scheduled program are not refundable. Substitutions are welcome. Registrants who do not attend the program or send a substitute will be responsible for the entire registration fee.

2014 Secured Loan DocumentationDates and LocationsApril 8 – NashvilleTBA Barrett Training Center 211 Athens Way – 615/244-4871 or 800/964-5525

April 9 – Knoxville UT Conference Center 600 Henley Street – 865/974-0250

April 16 – JacksonUnion University – Carl Grant Events Center1050 Union University DrContact TBA 800/964-5525 or 615/244-4871

Check the program link on the TBA website for detailed directions and parking information for this site

Schedule8:30 am Registration/Continental Breakfast9:00 am Program beginsNoon Lunch1:00 pm Program resumes4:00 pm Adjourn

These meeting locations are designated nonsmoking facilities and properties.

Continuing Education CreditAttendants qualify for 6.5 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge and Application. No advanced preparation required for this program.

In accordance with the standards of the National Registry of CPE Sponsors, CPE credits have been granted based on a 50-minute hour. For more infor-mation regarding administrative policies or complaints, please contact our offices at 615/244-4871.Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accoun-tancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org

This program has not been pre-approved for ICB CE credits. Atten-dants who require ICB credits should go to www.aba.com/Training/

ICB/Pages/membercereview.aspx for further instructions.

For additional continuing education credit information, call the TBA education department at 800/964-5525 or 615/244-4871.

For more information about this program, contact: Debbie Brickles - dbrickles@TNBankers.orgVice President and Director of Training and Development800/964-5525 or 615/244-4871 or www.TNBankers.org.

Program FeesTBA Members / Associate Members Nonmembers

Early Registration $220 $440

Early registration deadline is April 1.

Registration $250 $470

Day-of-Program $300 $520

Fee covers instruction, instructional materials, continental breakfast, refreshment breaks, and lunch. Please register early. Day-of-program registrants will be assessed an additional $50 late registration fee. No written confirmation of seminar registration will be sent from the TBA.Participation in TBA programs is limited to members, associ-ate members, and nonmembers from an eligible membership category at applicable member or nonmember rates.

Learning Objectives and Highlights• Application—“ninja” no income, no job, no assets• PFS—addressed to the bank and signed• Credit report—a million dollar mistake• Resolutions, bylaws, minutes, good standing—do you have a legal borrower• Types of business financials and accountant opinions—read the notes first• Types of guaranties—do they really protect the bank; recent court rulings• Insurance—the 10 o’clock news and the midnight run• Assignments—are you in the driver’s seat• Subordination agreements—why you should never sign without counsel• Hypothecation—how do you spell it, and what is it• Promissory note—no good unless you get it signed• Security agreement—rules of attachment• Financing statement and UCC filing—are you really perfected• Loan agreements—who reads them anyway• Collateral receipts—who lost my stock certificates• Title opinion versus title insurance—I want to save the customer money• The 5 Cs of credit verses the 3 Ds of credit—write this down and never forget• Spilled milk—examples of the good, the bad, and the ugly in loan

documentation• 30 missing mobile home titles—but we have a deed of trust• Is nursery stock crops or inventory• Best friends and the Bulk Transfer Act—we don’t need a contract• Continuing guaranties and the bankruptcy judge• The H Group and intellectual property• Where did those used cars go—Who’s on first, and possession is 9/10

of the law• The builder and the business partner—it’s not what you expect; it’s what

you inspect• Do another guaranty of collection, and you are fired• Dr P and the phone call—you can’t handle the truth• Foreign investors build a new hotel—is there a doctor in the house• What do a nursery, dentist, drug store, and injection mold shop have

in common• A Tennessee company with a New Jersey guarantor—judgment is one

thing; execution is another• Never subordinate your lawnmowers• A house too far—no plans, budget, takeout, or rush• Life insurance to protect the wife, not the bank—new CD customer and

new charge off• Blue tombstones and cooking the books—Does the OCC really go after

bank directors• Our UCC filing has expired on a $13 million loan participation, and we

are the lead bank—I think I am going to be sick

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