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NEW YORK BANKERS ASSOCIATION

Organization Directory Page

• Organization description

• Source of official student records

• Titles of evaluated learning experiences

• Descriptions and credit recommendations

Bankers School of Agriculture
Location: Cornell University, Ithaca, NY.
Length: Version 1: 62 hours (1 year); two one-week residential sessions. Version 2: 72 hours (1 year); two one-week residential sessions.
Dates:  Version 1: August 1976 - May 1987. Version 2: June 1987 - June 1990.
Objectives: Version 1: To provide the student with a comprehensive introduction to agricultural economics. Version 2: Assess the credit worthiness of potential agricultural borrowers using knowledge of sound farm management practices.
Instruction: Version 1: Farm management; agronomy; planning for farm investments; dairy husbandry; farm appraisal; analysis of farm credit cases; economics of farm equipment and structures; public problems of agriculture and rural affairs; marketing bank services to farmers. The course includes field trips to illustrate and supplement the classroom instruction. Version 2: Dairy husbandry; agronomy; planning for farm investments; farm management; farm appraisal; equipment management decisions; public problems and rural affairs; analysis of farm credit cases. The course includes field trips to illustrate and supplement the classroom instruction.
Credit recommendation: Version 1 or 2: In the upper division baccalaureate degree category, 3 semester hours in Agricultural Economics (6/77) (6/87 revalidation). A later version of this course titled Northeast School of Agricultural Lending has been recommended for credit. Please refer to that course exhibit for further information.
 
Consumer Credit School
Location: Hotel Thayer, West Point, NY; Holiday Inn-Arena, Binghamton, NY.
Length: Version 1: 80 hours (2 weeks); residential. Version 2, 3, 4 or 5: 40 hours (1 week); residential. Version 6: 29.5 hours (1 week).
Dates: Version 1: September 1976 - December 1985. Version 2: January 1986 - August 1990. Version 3: September 1990 - February 1991. Version 4: March 1991 - August 1996. Version 5: September 1996 - August 2002. Version 6: September 2002 - December 2008.
Objectives: Version 1: To familiarize the student with those technical and managerial factors relevant to modern consumer banking. Version 2, 3, 4, 5 or 6: Identify and define various consumer credit functions and how each relates to the overall retail bank and contributes to bank income; apply appropriate principles and practices of consumer credit to solve specific problems.
Instruction: Version 1: Economics; direct and indirect lending; security and fraud; marketing and administration; bank credit cards; collections; insurance; leasing; operations; electronic funds transfer systems; modern management techniques; legal and historical aspects of consumer credit. Version 2: Consumer credit environment; direct lending; indirect lending; credit cards; residential mortgages/home equity loans; credit insurance products; asset/liability management; auto leasing; collections; compliance; operations; electronic funds transfer systems; techniques of management. Version 3: Consumer credit environment; direct lending; indirect lending; credit cards; residential mortgages/home equity loans; credit insurance products; asset/liability management; auto leasing; collections; compliance; operations; electronic funds transfer systems; customer service. Version 4: Consumer credit environment; direct lending; indirect lending; credit cards; residential mortgages/home equity loans; credit insurance products; asset/liability management; collections; compliance; electronic funds transfer systems; customer service. Version 5 or 6: Consumer credit environment; direct lending; small business lending; indirect lending; credit cards; residential mortgages/home equity loans; credit insurance products; asset/liability management; collections; compliance; customer service.
Credit recommendation: Version 1: In the lower division baccalaureate/ associate degree category, 2 semester hours in Commercial Bank Management (6/77) . Version 4 or 5: In the lower division baccalaureate/associate degree category, 3 semester hours in Consumer or Commercial Banking (8/92 revalidation) (8/97 revalidation). Version 6: In the lower division baccalaureate/associate degree category, 3 semester hours in Consumer or Commercial Banking (7/03 revalidation).
 
Estate Administration School
Location: Holiday Inn-Arena, Binghamton, NY.
Length: Version 1 or 2: 44.5 hours (1 week); residential. Version 3 or 4: 33 hours (1 week); residential.
Dates: Version 1: June 1979 - May 1987. Version 2: June 1987 - June 1993. Version 3: July 1993 - May 1997. Version 4: June 1997 - December 2008.
Objectives: Version 1, 2, 3 or 4: Recognize potential problems in estate administration and identify appropriate responses; participate in managing the estate administration function within a bank environment.
Instruction: Version 1: An executor's “forty steps”; fundamentals of wills; domicile and probate procedure; discovery, collection, and preservation of assets; valuations-tangibles, real estate, and close corporations; claims against an estate; Federal estate taxes-TRA '76; carryover basis; accountings, compensation, and distributions; investments, cash requirements, and liquidations; fiduciary income taxes, savings and procedures; business development-policy factors and evaluation of estates. This course is at a level of sophistication which requires prior knowledge of financial accounting and Federal taxation. Course format includes lecture/discussion and seminar sessions. Participants are given an extensive post-course assignment which is graded and returned to them. Version 2 or 3: Duties of an executor; fundamentals of wills; domicile and probate procedure; discovery, collection, and preservation of assets; valuations-tangibles, real estate, and closely held businesses; claims against an estate; Federal and state estate taxes; accounting and settlement; investments, cash requirements, and liquidations; fiduciary income taxes, savings and procedures; business development-policy factors and evaluation of estates; insurance-life and liability; pre-and post-mortem counseling activities. This course is at a level of sophistication which requires prior knowledge of financial accounting and Federal taxation. Course format includes lecture/discussion and seminar sessions. Participants are given an extensive post-course assignment which is graded and returned to them. Version 4: Duties of an executor; fundamentals of wills; domicile and probate procedure; discovery, collection, and preservation of assets; valuations-tangibles, real estate, and closely held businesses; claims against an estate; Federal and state estate taxes; accounting and settlement; investments, cash requirements, and liquidations; fiduciary income taxes, savings and procedures; marketing estate services; insurance-life and liability; basics of the marital deduction; personal property held in the estate; investments; fiduciary litigation and liability; deferred compensation and employee benefits; recognizing value; pre-and post-mortem counseling activities. This course is at a level of sophistication which requires prior knowledge of financial accounting and Federal taxation. Course format includes lecture/discussion and seminar sessions. Participants are given an extensive post-course assignment which is graded and returned to them.
Credit recommendation: Version 1 or 2: In the graduate degree category, 3 semester hours in Business Administration or Finance (1/79) (2/88 revalidation). Version 3 or 4: In the graduate degree category, 2 semester hours in Business Administration or Finance (7/93 revalidation) (7/98 revalidation) (9/03 revalidation). 
 
Management School for Career Development
Location: Hotel Thayer, West Point, NY.
Length: Version 1, 2, 3 or 4: 120 hours (1 year); three one-week residential sessions.
Dates: Version 1: April 1977 - August 1985. Version 2: September 1985 - March 1991.Version 3: April 1991 - March 1996. Version 4: April 1996 - March 2002. Version 5: April 2002 - December 2008.
Objectives: Version 1, 2, 3, 4 or 5: Perform general management responsibilities in diversified bank management and professional areas.
Instruction: Version 1: To provide the student with an introduction to financial management and general management. Version 2 or 3: Banking overview; bank financial operations; marketing; trust and financial services; managing personnel issues; organizational behavior; commercial lending; real estate lending; consumer lending; compliance issues; bank operations and automation; managing change; strategic bank planning; bank investments; asset and liability management; bank capital career development issues; ethics. The third week of this course focuses primarily on a bank management computer simulation. Version 4 or 5: Banking and economic overview; marketing bank financial services; bank financial statements; bank products and services; managing human resource issues; banking technology; organizational behavior; money and capital markets; bank investments; commercial lending; retail lending; bank compliance; managing change; strategic planning; asset liability management; bank capital; effective leadership. The third week of this course focuses primarily on a bank management computer simulation designed to offer a deeper understanding of the interrelationships between various bank functions and the complexities involved in managing a bank, including how the parts of a bank fit together and interrelate with one another, how the economic environment and strategy of a bank affect its decisions and performance, and how strategic planning facilitates functional coordination and resource allocation.
Credit recommendation: Version 1, 2 or 3: In the upper division baccalaureate degree category, 3 semester hours in Bank Financial Management and 2 semester hours in Management (6/77) (6/87 revalidation) (8/92 revalidation). Version 4: In the graduate degree category, 3 semester hours in Bank Financial Management, and in the upper division baccalaureate degree category, 2 semester hours in Management (10/97 revalidation). Version 5: In the graduate degree category, 4 semester hours in Bank Financial Management (7/03 revalidation). 
 
Northeast School of Agricultural Lending
(Formerly Bankers School of Agriculture)
Location: Cornell University, Ithaca, NY.
Length: Minimum of 33 hours (1 week).
Dates: Version 1: July 1993 - June 1995. Version 2: July 1995 - July 2002.*
Objectives: Version 1 or 2: Analyze agricultural financial statements to determine the credit worthiness of a loan application; identify alternative solutions to dealing with problem loans; structure agricultural loans that meet customer needs adhere to bank policies.
Instruction: Version 1: The agricultural economic environment and its impact on agricultural lending; agricultural financial statements; credit analysis; loan administration; problem loans; structuring agricultural loans; loan risk and profitability analysis; financial institution management; environmental hazards; rural property appraisal. Version 2: The agricultural economic environment and its impact on agricultural lending; agricultural financial statements; credit analysis; loan administration; problem loans; structuring agricultural loans; loan risk and profitability analysis; environmental hazards; rural property appraisal.
Credit recommendation: Version 1 or 2: In the upper division baccalaureate degree category, 3 semester hours in Agricultural Economics (10/92) (7/97 revalidation). *NOTE: Credit is recommended for individuals who completed this course between July 1990 and June 1993 only if they complete an examination after July 1993.
 
Tax School
Location: Holiday Inn-Arena, Binghamton, NY.
Length: Version 1, 2, 3, 4, 5 or 6: minimum 30 hours (1 week); residential.
Dates: Version 1: September 1989 - May 1990. Version 2: June 1990 - April 1991. Version 3: May 1991 - September 1993. Version 4: October 1993 - September 1997. Version 5: October 1997 - September 2001. Version 6: October 2001 - December 2008. 
Objectives: Version 1, 2, 3, 4, 5 or 6: Recognize the tax implications involved in the administration of trusts and estates.
Instruction: Version 1: Trust instrument analysis; income taxation of trusts; Tax Reform Act of 1986 (fiduciary income tax); accumulation distributions; trust and estate terminations; capital gains/losses; basis grantor securities-two-year rule; estate and trust administration overview; income taxation of decedents and estates; unified transfer tax; state income taxes; estate planning; post-mortem planning; common trust funds; income taxation of individuals; alternative minimum tax; taxation of employee benefits; charitable trusts and private foundations; marketing and sales of trust services; preparers' responsibilities and liabilities. Version 2: Trust instrument analysis; income taxation of trusts; Tax Reform Act of 1986 (fiduciary income tax); accumulation distributions; trust and estate terminations; capital gains/losses; basis grantor securities-two-year rule; estate and trust administration overview; income taxation of decedents and estates; unified transfer tax; state income taxes; estate planning; post-mortem planning; common trust funds; income taxation of individuals; alternative minimum tax; taxation of employee benefits; charitable trusts and private foundations; preparers' responsibilities and liabilities. Version 3: Trust instrument analysis; income taxation of trusts; Tax Reform Act of 1986 (fiduciary income tax); accumulation distributions; trust and estate terminations; capital gains/losses; basis grantor securities-two-year rule; estate and trust administration overview; income taxation of decedents and estates; unified transfer tax; state income taxes; estate planning; post mortem planning; common trust funds; income taxation of individuals; alternative minimum tax; taxation of employee benefits; charitable trusts and private foundations; preparers' responsibilities and liabilities; generation skipping transfer tax; tax compliance; taxation of exotic investments. Version 4: Trust instrument analysis; income taxation of trusts and estates; accumulation distributions; trust and estate terminations; capital gains/losses; basis grantor securities- two-year rule; estate and trust administration overview; unified transfer tax; state income taxes, including determination of residency; estate planning; post mortem planning; common trust funds; income taxation of individuals; alternative minimum tax; taxation of employee benefits; charitable trusts and private foundations; generation skipping transfer tax; tax compliance; taxation of exotic investments. Version 5: Trust instrument analysis; income taxation of trusts and estates; accumulation distributions; trust terminations; capital gains/losses; unified transfer tax; state income taxes, including determination of residency; estate planning; post mortem planning; income taxation of individuals; alternative minimum tax; taxation of employee benefits; charitable trusts and private foundations; generation skipping transfer tax; foreign trust rules; taxation of limited partnerships. Version 6: Trust instrument analysis; income taxation of trusts and estates; trust terminations; capital gains/losses; unified transfer tax; state income taxes, including determination of residency; estate planning; post mortem planning; income taxation of individuals; alternative minimum tax; taxation of employee benefits; charitable trusts and private foundations; generation skipping transfer tax; taxation of limited partnerships.
Credit recommendation: Version 1, 2, 3, 4, 5 or 6: In the upper division baccalaureate degree category or in the graduate degree category, 2 semester hours in Business Administration (2/88) (7/93 revalidation) (8/98 revalidation) (7/03 revalidation). 
 
Trust Administration School
Location: Holiday Inn-Arena, Binghamton, NY.
Length: Version 1 or 2: 44.5 hours (1 week); residential. Version 3 or 4: 31 hours (1 week); residential.
Dates: Version 1: June 1979 - May 1986. Version 2: June 1986 - June 1993. Version 3: July 1993 - May 1998. Version 4: June 1998 - December 2008.
Objectives: Version 1, 2, 3 or 4: Recognize potential problems in trust administration and identify appropriate responses; participate in managing the trust administration function within a bank environment.
Instruction: Version 1: Types of trusts and their uses; legal aspects of trusts; fiduciary powers (principal and income, control and flexibility); powers of appointment; practical trust planning; discretionary payments (sprinkling trusts, short-term trusts); income taxation of estates; income taxation of trusts; trusts and estates under TRA '76; terminating trusts-planning and tax aspects; accounting and compensation; personal trust investments; fiduciary responsibilities vs. profitability; examination of a trust department; marketing trust services. This course is at a level of sophistication which requires prior knowledge of financial accounting and Federal taxation. Course format includes lecture/discussion and seminar sessions. Participants are given and extensive post-course assignment which is graded and returned to them. Version 2 or 3: Types of trusts and their uses; legal aspects of trusts; fiduciary powers (principal and income, control and flexibility); powers of appointment; discretionary payments (sprinkling trusts, short term trusts); income taxation of trusts; terminating trusts-planning and tax aspects; accounting and compensation; personal trust investments; fiduciary responsibilities vs. profitability; marketing trust services; charitable trusts; coping with an aged clientele; special situation trusts; real estate as a fiduciary asset. This course is at a level of sophistication which requires prior knowledge of financial accounting and Federal taxation. Course format includes lecture/discussion and seminar sessions. Participants are given an extensive post-course assignment which is graded and returned to them. Version 4: Duties of a trustee and items to be considered when accepting trusts; types of trusts and their uses; legal aspects of trusts; fiduciary powers (principal and income, control and flexibility); powers of appointment; discretionary payments (sprinkling trusts, short term trusts); income taxation of trusts; terminating trusts-planning and tax aspects; accounting and compensation; personal trust investments; fiduciary responsibilities vs. profitability; marketing trust services; charitable trusts; coping with an aged clientele; special situation trusts; real estate as a fiduciary asset; generation skipping tax; medicaid trusts. This course is at a level of sophistication which requires prior knowledge of financial accounting and Federal taxation. Course format includes lecture/discussion and seminar sessions. Participants are given an extensive post-course assignment which is graded and returned to them.
Credit recommendation: Version 1 or 2: In the graduate degree category, 3 semester hours in Business Administration or Finance (1/79) (2/88 revalidation). Version 3 or 4: In the graduate degree category, 2 semester hours in Business Administration or Finance (7/93 revalidation) (7/98 revalidation) (9/03 revalidation). 

Updated 3/17/09

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