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Finding Your Formula For Leading Others
by Jeff Smith, Founder and CEO, Voltage Leadership Consulting

Congratulations:  you are a leader who sets the course for your organization.  Wow, that's fantastic, but do you feel that you are the only one who cares about the organization?  Why do others look like they are just doing a job?  Fear not!  We have ideas on how to provide a SPARK! for others to become more motivated and engaged in your organization.
S - See It and Say It
You must know where you are going for others to buy into your dream.  Joel Barker says, "Vision with action is a dream.  Action without vision is simply passing the time.  Action with Vision is making a positive difference."
Click HERE to enjoy Jeff's ideas to SPARK some new ways of thinking for you and help you provide a jolt of energy into your organization.
Six Leadership Obstacles to Team Success
by Lee Ellis, Freedom Star Media

The plane had drifted off course by 200 miles, but the pilot didn't know how it got there! He started out with the proper heading and course, and began the journey confident that he was ready to fly. Now he's thinking, "If only I had a co-pilot or voice guidance system alerting me along the way, I would've saved a lot of time and fuel (money)."
For many leaders, this scenario makes perfect sense, yet the need for an accountability culture at work is not always accepted. We want the positive elements of success-achievement, notoriety, money, and excellence for clients and customers. But we're unwilling to do the right things to get there.
Click HERE to read Lee's insights into the 6 Obstacles to Courageous Accountability -- then reflect on these 6 obstacles, and see if you can identify your weak spots.
Who Should Attend?   Loan Processors | Loan Officers | Loan Compliance Personnel | Loan Officer Trainees

Featured Speaker: Holly Szcyspinski
Holly Szczyspinski is Vice President of Marketing and Settlement Services for Investors Title. She is an active member of the North Carolina Bar Association and serves as the Company's leader for the settlement services support division which provides settlement support and escrow services for a number of states in which the Company operates. Ms. Szczyspinski has provided extensive training for lending institutions, title agents, attorneys, and state banking associations on related escrow and RESPA topics. Additionally, she has been responsible for business development for several of the Company's multi-bank owned agents in the Midwest.
Ms. Szczyspinski is a graduate of UNC Charlotte and obtained her J.D. degree from Mississippi College School of Law. She is also an alumnus of the Executive Education Program at the University of North Carolina at Chapel Hill. Prior to joining Investors in 2005, Ms. Szczyspinski servedas the Director of Business Development for a telecommunication company's nationwide acquisition and development of commercial property.

Cost? $20 per participant and includes breakfast.

Click HERE for a copy of the seminar flyer and registration form.

Got Questions?  Contact Danielle Tubbs by e-mail or call 540.437.9560 
Industry Hot Topic: (TRID) 
TILA/RESPA Integrated Disclosures - 

A few recent articles for your reference:

Investors Title Recognized as Top 25 Best-Run NC Public Companies
Investors Title is ranked as one of the top 25 best-run public companies in North Carolina by the Triangle Business Journal. To determine the list, a team of Triangle Business Journal researchers and the Kenan Institute of Private Enterprise at UNC Chapel Hill evaluated several factors including stock return, employee growth, operational efficiency, and revenue growth. In stock return, for example, the Company ranked 10th overall and 3rd in the Triangle area with a 37.89% increase in stock price from Jan. 1 to Dec. 31, 2015. Compared to Triangle area performers, Investors Title ranked 11th overall and placed 3rd and 6th in return on assets and return on equity, respectively. 
Bankers Title Shenandoah is proud to underwrite exclusively through Investors Title.
What Do Community Banks and a Renaissance Politician Have in Common?
by Damien Hayes, Saylent Technologies

Niccolo Machiavelli once wrote, "Never waste the opportunity offered by a good crisis." He was, of course, talking about early 1500's politics and not community banks. That said, perhaps there is some applicable wisdom that we can glean from those words.

As you may have heard, the financial markets have absolutely no idea when rates will rise. Back in February the Federal Reserve didn't raise rates and announced they wanted their annual stress tests to include negative rates on the 3-month bill for a prolonged amount of time. This lead a lot of folks to speculate that it may be a long stretch before rates rise. However, now there is speculation of a hike in June. Who knows?

And if that's not enough to make you grab a second cup of coffee, the CFPB has spent the last few months wagging their finger at banks and credit unions regarding overdrafts. The message: Start offering lower-risk deposit products to help consumers avoid overdrafts or... or... Or else!

Click HERE to learn about The Good News, The Bad News and The Opportunity.

Here are additional articles related to Community Banking you may enjoy: 
Next Major Issue Lenders Need to Tackle: Cybersecurity
Mortgage lending presents a ripe target for cyber attackers
by Brena Swanson
First-time parents trying to finally find a place to call their own, young Millennials looking to make their first big investment or grandparents wanting to finally relax after working hard for years - all these people are entrusting you with their personal data.
Don't take this responsibility lightly.

If you're looking at your information security team right now and thinking, "That's okay, I've got my bases covered," you don't.

Click HERE to read more.

Here are additional articles related to Mortgage Lending you may enjoy: 
Small Business Lending: 
Partnering Your Way To The Top
by Brian Graham

Small business (SB) lending is a large and yet still underserved market in which community banks are generally well positioned to compete ...... the lending market is undergoing a transformation driven by technology and new competition that is rapidly increasing the investment and scale necessary to compete.......since many community banks lack the resources to build or buy a technology platform on their own, the emergence of fintech lenders who can partner with community banks provides a new and attractive option for community banks to serve these important SB customers and to gain market share...... community banks should assess the extent to which a collaborative approach may offer benefits of collective scale, expertise and efficiency in a controlled and compliant manner. They may just find that the benefits readily outweigh the risks, and that fintech offers a powerful opportunity for community banks to regain share in a number of product lines that have come to be dominated by the largest banks Click HERE read the entire article.

Here are additional articles related to Commercial Lending you may enjoy: 
How to beat out other homebuyers when there is no inventory
Here's how to stand out

It's an extremely tough market out there for potential homebuyers right now. The hand dealt to you contains very little inventory, outrageous home prices and tight access to credit.

Given these circumstances, every little thing that you can do to push your name to the top of the seller's list is pivotal.

Lisa Ford, Secretary of the Orlando Regional Realtor Association, provided a very thorough list for how buyers can beat the competition, especially when there is barely any inventory.

She breaks the tips into three categories: Preparation, making the offer and standing out. Click HERE to read the details.

Here are additional articles related to Realtors and Real Estate Trends you may enjoy:


**Remember to offer your borrowers Owner's Coverage on their most valuable investment. It's a one time premium with a lifetime of security. In addition, they will receive a reduced premium rate when they obtain it simultaneously with your Lender's Coverage.**

What Topics Are On Your Mind?
Bankers Title Shenandoah wants to provide you with pertinent information in future E-Blasts and Webinars. What questions are on your mind regarding the real estate and mortgage lending industry? What topics would you like addressed in future E-blasts?Send us your thoughts.
Butch Rutherford
Give us a call and let us know how we can better serve you and your team!
Vice President & Agency Manager
Bankers Title Shenandoah, LLC
202 N. Loudoun Street, Suite 310
Winchester, VA 22601

Integrity. Security. Excellence.

Bankers Title Shenandoah is committed to maintaining customer satisfaction by delivering quality title insurance products and closing services in an accurate and timely manner.

Our professionalism, technical knowledge and experience provide security as we insure protection for your most valued investment.
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