November 11, 2016     

Election Produces Few Georgia Surprises

The historic election Tuesday told us a lot about the electorate and the change they were willing to support. Beyond Donald Trump’s win that few predicted, there were no surprises for us among the Georgia Congressional delegation. We were glad longtime supporter of our industry Sen. Johnny Isakson got re-elected without a runoff. Our only new congressman will be Drew Ferguson who is replacing retiring Rep. Lynn Westmoreland. We’ve known Drew all his life as his father is a former banker from West Point who served on the GBA Board and was elected statewide as our Secretary/Treasurer several years ago. All the other incumbents in our delegation will be returning to Congress. Within the Georgia General Assembly, four incumbent state House members were defeated Tuesday. We’ve had a history of working with each and we already know most of their replacements. There are three former legislators returning, and we reached out to them during the campaign season and look forward to working with them. There is likely to be some movement among committee chairs in the Senate because of Gov. Nathan Deal’s appointment of Sen. Charlie Bethel (R-Dalton) to the Court of Appeals this week. But for the most part, we expect to be working with many of the same leadership in the General Assembly we know well and who are responsive to the concerns of bankers and the communities you serve. For an early read on the national election outcome, here's a link to an analysis from ABA. With questions, contact Elizabeth Chandler, 404.420.2027 or Joe Brannen, 404.420.2026.

CFOs and Finance Teams Take Note

Last Chance to Sign Up for the Financial Risk Management Conference

There’s still time to register for next week’s Financial Risk Management Conference, Nov. 16-17, at the Atlanta Marriott Northwest Hotel. Check out the full agenda here. The conference is geared toward the educational needs of CFOs, controllers, credit service managers and finance officers. It’s an excellent opportunity to get updates and network. Attendees are eligible for 10.5 hours of CPE credit. Click here to register online. Questions? Contact GBA’s Kathy Friestad at 404.420.2024.

How Georgia Bankers Got out the Vote

We’re proud Georgia’s banks encouraged everyone to vote as part of our Georgia Bankers Democracy Days campaign. Of particular note, Pinnacle Bank had a unique campaign led by Jenny Wofford, who is a member of the Leadership GBA Executive Committee. Anna Jones at the bank also helped with the bank’s campaign. In addition to asking customers to vote and sharing helpful resources, the bank encouraged employee voting through an early-voting and general-election-day voting contest in which employees who voted were eligible to win gift cards. Voter turnout among Pinnacle employees was 70 percent. See a list of all the banks participating in the Georgia Bankers Democracy Days campaign here. With questions, contact David Oliver, 404.420.2036, or Bo Brannen, 404.420.2014.

Last Call for Two Events Next Week

Marketing Peer Group - Nov. 15

Come learn from experts on digital marketing and cybersecurity breach responses during GBA’s next Marketing Peer Group meeting Nov. 15 at Idle Hour Country Club in Macon. The meeting will include timely sessions on today’s most effective digital marketing strategies from a team of Cox Media specialists and how to prepare a crisis communication plan before a data breach to maintain customer confidence from Sharon Cook, chief marketing officer at the Federal Home Loan Bank of Atlanta. We’ll end the day with a roundtable discussion to share resources and experiences with your fellow bank marketing professionals. Click here to see the complete agenda and register online today. Please contact GBA’s Alison Moreau at 404.420.2034 with questions.

Loan Documentation Seminar - Nov. 16

Don’t miss the opportunity to learn how to structure and document loans to avoid losses by registering for GBA’s Loan Documentation seminar Nov. 16 at Idle Hour Country Club in Macon. A faculty member of the Georgia Banking School with more than 36 years of industry experience, Mike Allen of State Bank and Trust will cover identifying the borrower and collateral, evidencing the debt, attaching and perfecting the collateral, real estate specifics, residential construction lending, guarantees and much more. Registration is $250 per person. Click here to register online. Please contact GBA's Katina Prokos at 404.420.2021 with questions.
David Oliver

Member Visit

GBA Gives Update on Better Banking Performance, Advocacy Priorities

We were honored to be a guest this week at Quantum National Bank’s monthly staff meeting to present an update on the state of banking in Georgia. David Oliver, SVP-Communications and Marketing, shared an overview of state banking performance trends, industry challenges and opportunities and advocacy priorities now that the elections are over. He also touched on all the GBA resources and benefits available to Quantum bankers and the bank through their membership. Thanks to Quantum’s Lauri Young for inviting GBA to speak to the staff. GBA regularly speaks to banker and civic groups around the state. With questions, please contact David at 404.420.2036.

Affordable Mortgage Lending Guide Available

With a focus on state-level housing finance programs, the second volume in FDIC’s new guide to affordable single-family home loan programs is now available. In particular, the information provides a snapshot of programs available in Georgia and other states, and it points to the Georgia Department of Community Affairs resources in its state-by-state appendix available online. Learn more about the guide and some other helpful resources here...

Attention GBA Retirement Participants!

Dates and Locations Announced for 401(k) Training Seminar - Nov. 29 & 30

If you are a member of the GBA Retirement Services Trust or interested in learning more about GBA Retirement Services’ offerings, please sign up for one of two dates for our free annual education seminar coming up in November. The first will be Tuesday, Nov. 29, in Macon, and the second is Wednesday, Nov. 30, in Atlanta. If you would like to learn more information about the services provided through GBA Retirement Services or have questions about the seminars, please contact Danielle Driggers at 404.420.2002 or Mandy Richards at 404.420.2025. Register online for the Nov. 29 session here, register for the Nov. 30 session here...

Credit Conference (Dec. 15-16)

The Military’s Presence in Georgia: Forecast and Financial Impact

Georgia’s military bases are important drivers of the state’s economy and business opportunities for banks. At GBA’s Credit Conference Dec. 15-16 in Atlanta a panel of military insiders and community leaders will share the state of the military’s presence in Georgia, what’s on the horizon and the economic and financial impact to Georgia banks and communities. The conversation will be moderated by GBA Vice Chairman John Hall, CEO of American Pride Bank in Macon, who is also Vice Chair of the Military Affairs Committee for the Macon-Bibb County Chamber of Commerce. Former top-brass from Robins AFB and Fort Gordon are on the panel, as is a sitting state representative…

Women in Banking Conference Set for Feb. 9-10

Make plans to attend GBA’s Women in Banking Conference on Feb. 9-10 at the Federal Reserve Bank, Atlanta. Don't wait. Space is limited and we've sold out the past two conferences. The committee has planned another strong agenda with information valuable to all women in the banking industry. And, the conference is an excellent opportunity to network with your colleagues from throughout the state. We'll send out full program details and brochures in the coming weeks but you can register now. With questions about the conference, contact GBA’s Susie McGehee at 404.420.2010.

Comprehensive Mortgage Lending Courses Available Online

Increase your bank's market share by making sure your lenders and supporting staff know the basics of the mortgage lending business and how it works, including legal issues and banking regulations.
Fundamentals of Mortgage Lending
Explore key elements in the mortgage lending industry. Course topics include the major mortgage financing programs and guidelines, construction lending and land development financing, the impact of regulations on the mortgage process; property appraisals review and types of mortgage fraud.
The Mortgage Lending Business
An overview of the mortgage lending business, including mortgage banker, broker, and lender business models; the role of government and agencies like Federal Housing Administration and the Veteran's Administration programs; other key players like Fannie Mae and Freddie Mac; important real estate laws; and the basics of real estate investing.


Also Available...

ABA Residential Mortgage Lender Certificate
This industry-recognized credential provides a solid understanding of banking, credit analysis, and legal principles that support the mortgage process. The certificate underscores relationship sales skills in addition to the mechanics of a mortgage loan, thereby preparing loan officers to be successful in growing their book of business.

Upcoming GBA-U Webinars

A GBA Webinar is a great way to quickly get the training you need without travel or time out of the bank. Webinars are live and allow time for questions and answers. The $265 registration price gives you access to one web site "seat," one telephone site license and all handout materials. If you can't attend the webinar, you may buy the audio CD, handout materials and a password to see the session online. With questions, please contact GBA's Katina Prokos at 404.420.2021. Here is a sample of upcoming offerings. Check the GBA-U Calendar of Events at for more details.

New Candidates in Credit and IT/Operations; New Positions in Customer Service, Deposit Operations and More!

The GBA Job Bank is among the most popular and valuable benefits we provide to member banks and bankers. The Positions Available and Bankers Available sections on our website consistently are among the most visited pages. Best of all, the service costs nothing for member banks and bankers. To make the process of posting a job or resume easier and to answer any questions you may have, we've developed this Q & A document as a resource. It outlines how to submit open positions and resumes, our deadlines and timelines for posting, and other helpful details. If you have any questions, please contact GBA’s Bo Brannen at 404.420.2014.

GBA Community Connections

We want to share all the good work GBA member banks, bankers, Associate Members and Bank Counsel Section members do to support their communities. Share your Community Connections by sending a brief paragraph and any photos of activities you have to us and we'll publish them at our earliest opportunity. Send information to Bo Brannen and David Oliver. Here's our latest installment...
FifthThird Bank
First National Bank of Decatur County

Read All About It: Send Us Your News

Please remember to include the Georgia Bankers Association on the list of recipients for announcements about promotions, new employees and special recognition your bank has received. We want to share your news with your colleagues across the state. Please forward your announcements and photos to GBA's David Oliver and Bogan Brannen.
June18-21, 2017
The Broadmoor
Colorado Springs, CO