IF ATTENDING IN PERSON, PLEASE NOTE THE LOCATION!
FREE TO FPA MEMBERS ($60 for in-person non-members; $40 fee for virtual non-members)
TOPIC #1: What Lenders Look for When Underwriting Personal Credit
SPEAKER: Joseph F. Fragapane
About the Program: This presentation will give a general overview of key financial components involved when lending to individuals. Categories of financial analysis will cover the personal financial statement, qualifying personal cash flow, credit scores and what impacts ratings, personal debt leverage, and identifying various collateral and loan to value percentages. The learning objective is to provide attendees a better foundational understanding of the credit underwriting process to assist their clients in obtaining loan products and services.
About the Speaker: Joseph Fragapane is Senior Vice President & Team Leader, Private Banking Group at First National Bank. Joe has over 37 years of comprehensive experience in consumer banking and commercial private banking working with affluent individuals, entrepreneurs, and small business owners. He’s an accomplished lender focused on providing credit solutions and customizing loans for personal, business and investment purposes. Joe works closely with accountants, attorneys, financial planners, investment advisors and insurance consultants as a collaborative and vested partner in the best interest of shared clients. His approach and passion as a banking advisor is relationship-driven, being value added and having impact on improving the clients’ financial condition. Clientele consist of highly successful financial achievers as well as the emerging affluent. They include physicians and other medical professionals and groups, small business owners, real estate investors and developers, business executives and family-owned companies, law firms and attorneys, accounting firms and CPA’s, financial planners, investment and insurance advisors, and other professionals. Joe has an undergraduate degree in Finance from Miami University and an MBA from Baldwin Wallace University
TOPIC #2: Your Niche Is Awaiting – Wealth at Work
SPEAKER: Patrick Clunan
About the Program: Demonstrating your value, building your client relationships and finding new leads have become harder to do. To differentiate yourself from the competition, advisors have to find a way to carve out their niche. By helping your clients realize the full potential of their complex compensation packages, you’ll be able to stand out and grow your practice.
About the Speaker: Patrick Clunan is the manager of the Learning Center, the value-add program for Columbia Threadneedle Investments. He is responsible for the implementation of the Learning Center’s resources with the company’s wholesaling teams. Patrick also manages the various business units that make up the value-add resource. He has been featured as a keynote speaker at numerous regional and national conferences. Patrick also travels the country working with advisors, clients and other financial professionals, offering education and insight into retirement planning strategies and other in-focus topics. Prior to his current role, he was a regional sales director. Patrick joined one of the Columbia Threadneedle Investments firms in 2010. Previously, he worked as an internal wholesaler with John Hancock Annuities. Patrick has been a member of the investment community since 2005. He received a B. A. in Business Administration from Saint Michael’s College. Patrick holds the Series 7 and 66 licenses with FINRA.
FPA NEO will request credit for these programs, which will total two hours of CE from the CFP® Board of Standards for CFP® designation holders and one credit (2nd presentation) for CIMA designation holders. A general certificate of completion and one for CPA designees who feel the program satisfies their continuing education requirements will also be available.
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