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24th Annual CUNA Lending Council Conference

Check out the 2018 CUNA Lending Council Conference Highlights!

Agenda

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Time
Session
 
7:30 a.m. – Noon

PRECONFERENCE WORKSHOP – Business Behind The Magic Tour At the Disneyland® Resort

Note: This pre-conference workshop is now full.

In addition to creating a magical environment for Guests from around the world, Walt and Roy Disney mastered the art of business. They determined that leadership, service and employee engagement were key concepts that, when considered holistically, would lead to maximum results. Not only have these time-tested core concepts helped establish Disney as one of the world’s leading brands, they have also helped thousands of organizations around the world think differently about they can deliver the long-term results they are capable of delivering.

This is your opportunity to engage experienced Disney professionals and observe key examples from a “living laboratory,” taking you on stage and behind the scenes to explore firsthand how Disney business insights and time-tested methodologies are operationalized to deliver a great customer experience.

This 3.5-hour tour features concepts and illustrations from the professional development courses offered by Disney Institute and shows how they come to life each day at Disneyland® Resort for Cast Members and Guests. You will explore the following locations:

Disney California Adventure® Park: Visit special touch-point locations in the park to see how committed, responsible, inspiring leaders are able to motivate a team to achieve amazing results. (Featuring insight from the core competency of Leadership)

Disneyland® Resort Cast Services and Costuming: Experience the backstage area from a Cast Member perspective. See how Disneyland® Resort creates a supportive environment for the Cast Members as they prepare to go on stage. Discover the important role backstage areas play in creating a caring environment and is designed to improve the experiences of Cast Members and therefore ultimately Guests. (Featuring insight from the core competency of Employee Engagement)

Disneyland® Park: Take a stroll down the turn-of-the-century Main Street, U.S.A.® inside Disneyland® Park to better understand how we strive to exceed the expectations of our Guests with our people, place, and process. (Featuring insight from the core competency of Service)

Disney Institute core competencies are illustrated throughout the tour, along with how each area successfully implements those concepts.

10:00 a.m.– 7:00 p.m.

CONFERENCE REGISTRATION

1:00 – 3:00 p.m.

COMMUNITY GIVEBACK – Rise Against Hunger

We have partnered with the Orange County Food Bank and Farm to Product Packing Program.  Volunteers will assemble fresh produce contained within large 4’ x 4’ bins into smaller mesh bags each containing approximately 5 pounds of produce to be provided to children from vulnerable families through our Farm 2 Kids program.

1:00 – 3:00 p.m.

CLO EXCHANGE

Facilitator: Bill Vogeney, Chief Revenue Officer, Ent FCU, Colorado Springs, CO

The CLO Exchange is an opportunity to discuss ideas, best practices and knowledge with other credit union lending professionals. This session will provide a forum to network in a smaller group setting. Registration will be limited to the first 75 attendees.

3:15 – 4:00 p.m.

ORIENTATION FOR FIRST TIME ATTENDEES

If you’ve never attended this conference before, plan on joining us at the first-time orientation. We’ll provide a quick rundown of conference events and leave plenty of time for you to start networking with other attendees.

4:15 – 4:30 p.m.

CONFERENCE WELCOME

Mike Lawson, Host, CUbroadcast, Carlsbad, CA

4:30 – 5:30 p.m.

KEYNOTE ADDRESS – Authenticity Above All Else

Tony Hawk, Skateboarding Legend, Entrepreneur, Philanthropist

In the world of skateboarding, nothing is held in higher esteem than authenticity. So, how does the sport’s most famous face walk the fine line between authenticity and “selling out?” Legendary skateboarder Tony Hawk walks the walk every day as he continues to be the face of the sport he loves, while managing his successful business empire and award winning charitable foundation.

5:30 – 7:00 p.m.

WELCOME RECEPTION – Meet your Sponsors

Join us for the opening welcome reception directly following our keynote speaker, Tony Hawk.  This is a great time to meet up with old friends and make some new ones.  Our sponsors will also be on hand showcasing their latest products.  There will be plenty of food and beverage available.

Time
Session
 
7:30 a.m. – 4:45 p.m.

WELCOME CENTER/EXHIBIT HALL

Conference Registration
Sponsor Displays
Charging Stations

7:30 – 8:15 a.m.

BREAKFAST – Visit with Sponsors

8:15 – 8:30 a.m.

CONFERENCE ANNOUNCEMENTS

Mike Lawson, Host, CUbroadcast, Carlsbad, CA

8:30 – 9:30 a.m.

GENERAL SESSION – Market Signals: What the Financial Markets Are Telling Us Now

Peter Ricchiuti, Wall Street Investment Visionary and Entertaining Finance Speaker, New Orleans, LA

"If the majority of people were right, the majority of people would be rich... and they're not!" Following the herd has rarely produced superior long-term results. Tulane University's Peter Ricchiuti will share his informative and entertaining perspective on financial markets, the importance of proper diversification, and the cyclical nature of both stocks and investment sectors. He will also tell us about the unusual securities research program he heads up with his students.

9:30 – 9:45 a.m.

PASS TIME TO SESSIONS

9:45 – 10:45 a.m.

Machine Learning in Lending (session repeats)

Brian Hamilton, VP Innovation, CU Direct, Irvine, CA

Machine learning is an application of artificial intelligence enabling machines to learn from experience rather than programming. In this session, we will slice through the hype to demystify what it really means for lending in the next two years. We will explore and demonstrate the capabilities of machine learning with applications that improve the quality and efficiency of marketing, underwriting, processing, and collections.

9:45 – 10:45 a.m.

Credit Union Commercial Lending – New Freedoms, New Challenges…Now What? (session repeats)

Mike Smith, VP, CU Business Group, Portland, OR

The recent changes in NCUA business lending regulations have opened a world of opportunity for credit unions. At the same time, there are risks involved that may have significant impacts on your Credit Union. This lively session will look how to manage a business loan portfolio properly, track and set concentration limits, access risk through stress testing and loan grading. We also show you how to build an effective and compliant commercial loan policy, set-up internal controls and best practices for making business loans a profitable part of your Credit Unions product set. CUBG will show you how to start or grow your business loan program by making high-quality loans to members and the ins and outs of buying and selling participations. You’ll walk away with a laundry list of areas that should be addressed to take advantage of and comply with the new NCUA MBL regulation and take your business loan program to the next level of success.

9:45 – 10:45 a.m.

Death by Cliché: Don’t Build Your Business Off of Something You Read on A Bumper Sticker (session does not repeat)

Steve Richman, National Spokesman and Customer Trainer, Genworth, Raleigh, NC

In this session, we will explore common business clichés and how they need to be changed to be relevant in today’s evolving market. But we won’t stop simply at the exploration of these concepts and buzzwords. We will explore actions that you can take today to update your business plan, improve communications and differentiate yourself from the competition.

9:45 – 10:45 a.m.

Lending Scorecard Leaders with Cornerstone Advisors (session does not repeat)

Ryan Brogan, Senior Consultant, Cornerstone Advisors, Scottsdale, AZ
Ryan Myers, Consultant, Cornerstone Advisors, Scottsdale, AZ


Listen to a roundtable discussion with high performers from this year’s CUNA-exclusive consumer lending scorecard participants. Cornerstone Advisors will facilitate a conversation for the audience to hear what it takes to be highly productive from credit unions peers.

10:45 – 11:15 a.m.

NETWORKING BREAK – Visit with Sponsors

11:15 a.m. – 12:15 p.m.

Machine Learning in Lending

Brian Hamilton, VP Innovation, CU Direct, Irvine, CA

Machine learning is an application of artificial intelligence enabling machines to learn from experience rather than programming. In this session, we will slice through the hype to demystify what it really means for lending in the next two years. We will explore and demonstrate the capabilities of machine learning with applications that improve the quality and efficiency of marketing, underwriting, processing, and collections.

11:15 a.m. – 12:15 p.m.

Credit Union Commercial Lending – New Freedoms, New Challenges…Now What?

Mike Smith, VP, CU Business Group, Portland, OR

The recent changes in NCUA business lending regulations have opened a world of opportunity for credit unions. At the same time, there are risks involved that may have significant impacts on your Credit Union. This lively session will look how to manage a business loan portfolio properly, track and set concentration limits, access risk through stress testing and loan grading. We also show you how to build an effective and compliant commercial loan policy, set-up internal controls and best practices for making business loans a profitable part of your Credit Unions product set. CUBG will show you how to start or grow your business loan program by making high-quality loans to members and the ins and outs of buying and selling participations. You’ll walk away with a laundry list of areas that should be addressed to take advantage of and comply with the new NCUA MBL regulation and take your business loan program to the next level of success.

11:15 a.m. – 12:15 p.m.

Loan Pricing and Portfolio Management (session does not repeat)

Nathan Montgomery, CFO, UNIFY Financial CU, Manhattan Beach, CA    
Robert Perry, Principal, ALM First, Dallas, TX


Economic uncertainty presents a constant challenge for financial institutions, particularly related to its potential impact to business performance. As depositories move forward with strategic objectives, loan pricing and portfolio management should remain a top priority. In this session, we will discuss loan pricing and portfolio management. We will explore frameworks for disciplined approaches to product pricing and securities portfolio management, and its relationship to maintaining and meeting profitability targets.

11:15 a.m. – 12:15 p.m.

Raising the Bar: How to Build a Better Realtor Network (session does not repeat)

Tina Powers, COO, CU Realty Services, Scottsdale, AZ
Tandy Vincent, Director of Marketing, CU Realty Services, Scottsdale, AZ

It’s common practice for lenders to invest resources into building relationships with local real estate agents in hopes of growing their mortgage lead pipelines. However, while finding agents is generally easy; maintaining and measuring those relationships is not. Join CU Realty Services as they present their best practices as well as industry insight on: how to develop a lead exchange program that benefits everyone; how to pick the right agents to be part of it; how to nurture those relationships successfully and how to manage lead flow and ROI.

12:15 – 1:45 p.m.

AWARDS LUNCHEON

1:45 – 4:15 p.m.

MBL ROUNDTABLE

Facilitator: Bob Stowell, Fort Meyers, FL

1:45 – 2:45 p.m.

Member Decisioning Shouldn’t Be a Shot in the Dark (session repeats)

Jason Dietrich, Director, Experian, Kennett Square, PA
Matt Ehrlich, Senior Director, Product Management, Experian, Costa Mesa, CA

How do you dig deeper into your members to offer the right product at the right time before your competitors do? How do you refine your tools to better serve your communities? Find out in this session how data can empower you by utilizing a diverse universe of data assets, targeted analytics, identity management techniques, and decisioning technology. Drive your team to better recognize and risk assess your members, mitigate fraud losses, and meet compliance requirements, all while reducing internal friction associated with your operational processes.

1:45 – 2:45 p.m.

Mortgage Compliance – Paperless Mortgage Lending (session repeats)

Franklin Drake, Attorney at Law, Smith Debnam, Raleigh, NC

Twinned with the Uniform Electronic Transactions Act and the electronic Notaries Public laws spreading among the states, the Uniform Real Property Electronic Recording Act allows CUs to dispense with obsolete, 20th-century, paper-bound, in-person HELOC and first mortgage lending.  Members who demand paperless membership application, paperless loan applications and e-signatures on e-notes will be delighted at the prospect of an all-electronic mortgage loan closing.  This segment will identify the availability, requirements, benefits, and best practices to bring one of the last forms of lending out of the last millennium and into the present one.

1:45 – 2:45 p.m.

The Hidden Risks of the Auto Lending Boom (session does not repeat)

Susan Hochsprung, VP Sales, CUNA Mutual Group, Madison, WI

While credit unions are enjoying the recent surge in auto lending, digging deeper into the numbers reveals some potentially troubling trends. During this enlightening session, you’ll gain insights into why your most loyal members may be vulnerable, why you’re not marketing as effectively as you think, and steps to take to strengthen your member relationships.

2:45 – 3:15 p.m.

NETWORKING BREAK – Visit with Sponsors

3:15 – 4:15 p.m.

Member Decisioning Shouldn’t Be a Shot in the Dark

Jason Dietrich, Director, Experian, Kennett Square, PA
Matt Ehrlich, Senior Director, Product Management, Experian, Costa Mesa, CA

How do you dig deeper into your members to offer the right product at the right time before your competitors do? How do you refine your tools to better serve your communities? Find out in this session how data can empower you by utilizing a diverse universe of data assets, targeted analytics, identity management techniques, and decisioning technology. Drive your team to better recognize and risk assess your members, mitigate fraud losses, and meet compliance requirements, all while reducing internal friction associated with your operational processes.

3:15 – 4:15 p.m.

Mortgage Compliance – Paperless Mortgage Lending

Franklin Drake, Attorney at Law, Smith Debnam, Raleigh, NC

Twinned with the Uniform Electronic Transactions Act and the electronic Notaries Public laws spreading among the states, the Uniform Real Property Electronic Recording Act allows CUs to dispense with obsolete, 20th-century, paper-bound, in-person HELOC and first mortgage lending.  Members who demand paperless membership application, paperless loan applications and e-signatures on e-notes will be delighted at the prospect of an all-electronic mortgage loan closing.  This segment will identify the availability, requirements, benefits, and best practices to bring one of the last forms of lending out of the last millennium and into the present one.

3:15 – 4:15 p.m.

Growing Mortgage Originations in a Challenging Market (session does not repeat)

John Toohig, Managing Director, Fixed Income Trading, Raymond James, Memphis, TN

Quicken is now the #1 originator of residential loans, taking the top spot from Wells. Community depositories have been losing ground to finance companies since the recession. Digital mortgages. Economies of scale. A changing market. How can your credit union compete and maintain market share without taking undo risk?

5:30 – 8:30 p.m.

SOCIAL EVENT – Splitsville

Join us for an evening of fun, food, games and bowling!  Splitsville will play host to our social event. Situated in Downtown Disney, this venue features 20 luxury bowling lanes on two floors and fantastic views of the Downtown Disney® District.  We’ll also have a DJ spinning your favorite tunes inside and live music on the covered patio.  Adult guests may join you at this event for $100 each.

Time
Session
 
7:30 a.m. – 3:00 p.m.

WELCOME CENTER/EXHIBIT HALL

Conference Registration
Sponsor Displays
Charging Stations

7:30 – 8:15 a.m.

BREAKFAST

8:15 – 9:15 a.m.

CONFERENCE ANNOUNCEMENTS and GENERAL SESSION – Reaching Millennial Homebuyers

Kristin Messerli, Founder, Cultural Outreach, Los Angeles, CA

Millennials currently account for one in three home purchases and they are expected to increase their market share significantly over the next year. Millennials present a significant opportunity for lenders, but they require a specific understanding of marketing and customer service preferences in order to capture their business. In this presentation, participants will gain an understanding of these critical buyer nuances and practical steps to create a winning strategy with Millennial homebuyers.

9:15 – 9:30 a.m.

PASS TIME TO SESSIONS

9:30 a.m. – 12:15 p.m.

CONSUMER ROUNDTABLE

Facilitators: Dan Picard, Consumer Lending Manager, City of Boston CU, Boston, MA
Steve Quigley, VP Retail Banking, University of Iowa CU, North Liberty, IA


The consumer roundtable will provide an excellent opportunity to network with your consumer lending peers in the industry.

We will have a variety of topics to discuss and even solicit some from the audience. We want to hear what’s on your mind, so come prepared for an exciting and interactive session around consumer lending.

 

9:30 – 10:30 a.m.

Collateral Valuations, Key Considerations and Best Practices for Both Real Estate and C&I Loans (session does not repeat)

Jim Devine, CEO, Hipereon, Inc., Kirkland, WA

A lender is held to a commercially reasonable set of performance standards when it comes to handling collateral. They are expected to act in a professional manner in all matters relating to the issue of collateral. This breakout session will address the things you need to confidently address when developing a strong collateral management game plan.

9:30 – 10:30 a.m.

Mortgage Operation Optimization (session repeats)

Arleen Scavone, Managing Partner, OPEXNOW, Westlake Village, CA

This session is designed to help credit unions of any size create an approach in order to review and optimize their mortgage operation.

9:30 – 10:30 a.m.

Being Digital - What It Means for Your Member and Credit Union (session repeats)

Beth Millstein, Director Business Development, Fannie Mae, Washington, DC

Learn what consumers and lenders are saying about the digital mortgage process. Learn how other lenders are deploying technology and how the secondary market can support digital lending strategies.

10:30 – 11:00 a.m.

NETWORKING BREAK - Visit with Sponsors

11:00 – 11:15 a.m.

PASS TIME TO SESSIONS

11:15 – 12:15 p.m.

An Introduction to C & I Lending (session does not repeat)

Dana Sumner, President/CEO, DFTC Inc., Vassalboro, ME

C&I lending offers opportunities for credit unions to diversify their portfolios, increase yields and satisfy member’s needs. While these are all positive, C&I also brings challenges. Underwriting C&I loans requires a reset in how to underwrite, identify and mitigate risks.  Some keys areas of discussion will be: the balance sheet is the key to repayment; collateral concerns, collection and liquidation; the operating cycle and its importance in C&I lending; micro and macro concerns; and understanding the industries expectations from NCUA.

11:15 – 12:15 p.m.

Mortgage Operation Optimization (session repeats)

Arleen Scavone, Managing Partner, OPEXNOW, Westlake Village, CA

This session is designed to help credit unions of any size create an approach in order to review and optimize their mortgage operation.

11:15 – 12:15 p.m.

Being Digital - What It Means for Your Member and Credit Union

Beth Millstein, Director Business Development, Fannie Mae, Washington, DC

Learn what consumers and lenders are saying about the digital mortgage process. Learn how other lenders are deploying technology and how the secondary market can support digital lending strategies.

12:15 – 1:30 p.m.

MEMBERSHIP LUNCH (open to all attendees and sponsors)

Join us for the CUNA Lending Council Membership Lunch. Your chair, Mike London, will provide an update of the Lending Council activities throughout the past year.

1:30 – 4:00 p.m.

MORTGAGE ROUNDTABLE

Facilitator: Tracy Ashfield, President, Ashfield & Associates, Madison, WI

The mortgage roundtable will provide an excellent opportunity to network and share valuable information with your lending peers throughout the industry.  We will tackle the top areas that impact your business every day.  Please come prepared for a great interactive session around mortgage lending.

1:30 – 2:30 p.m.

Putting it All Together (session repeats)

Steve Williams, President, Cornerstone Advisors, Scottsdale, AZ

Managing the complete Member Business Services organization including lending, deposit services, ancillary services, business online banking, business credit cards, and branch business banking.

1:30 – 2:30 p.m.

New to MBLs: Key Components to Consider (session does not repeat)

Ken Bauer, VP Business Banking, Elevations CU, Broomfield, CO
Mike Neimeyer, Director Member Business Services, Y-12 FCU, Oak Ridge, TN
Mark Seymour, CLO, KEMBA Financial CU, Columbus, OH
Mike Steppenbacker, Director of Corporate Banking, Ent CU, Colorado Springs, CO
Moderator: Dana Sumner, President/CEO, DFTC Inc., Vassalboro, ME


Being new to the MBL space or building a new MBL program can be an intimidating venture!  A panel of business lending professionals with various experience will discuss and offer insight on topics that may help build confidence in growing an MBL program.  Topics will include appropriate staffing models and how business lending and services partner with the branch network, experience needed for MBL staff, being prepared for regulatory issues while remaining competitive in pricing, and how to tackle creating policy or revising current policy in a constantly changing regulatory environment.

1:30 – 2:30 p.m.

Are Your Credit Card Promotions Working? (session does not repeat)

Michelle Goeppner, Director, Credit Product Strategy, Alliant CU, Chicago, IL
Meghin Margel, Director Contact Center Sales, BECU, Tukwila, WA
Moderator: Robyn Petersen, Consumer Lending Manager, MIT FCU, Cambridge, MA


The session will explore common credit card promotion pitfalls and share best practices for launching successful campaigns that drive originations and balances.

 

2:30 – 3:00 p.m.

NETWORKING BREAK – Sponsor prize drawings

3:00 – 4:00 p.m.

Putting it All Together

Steve Williams, President, Cornerstone Advisors, Scottsdale, AZ

Managing the complete Member Business Services organization including lending, deposit services, ancillary services, business online banking, business credit cards, and branch business banking.

3:00 – 4:00 p.m.

How to Attract and Engage the Next Generation of Emerging Financial Consumers (session does not repeat)

Andrew Martin, Mortage Sales Manager, Canvas CU, Lone Tree, CO
Brandon Metts, Mortgage Loan Originator, Commonwealth CU, Lexington, KY
Verity Swearingen, Branch Manager, BECU, Seattle, WA
Moderator: Annie Tamblyn, Leadership Team Administrator, Filene Research Institute, Madison, WI


Stepping out into our communities to provide education and resources to our millennials regarding important financial decisions. Addressing trends and discussing strategies for changes in consumer and mortgage lending. Utilizing Technology and Social Media to connect with members and emerging consumers. Recruitment and retention strategies for young professionals.

3:00 – 4:00 p.m.

FinTechs – How to Evaluate Them, Compete with Them and Work with Them (does not repeat)

Ibrahim Dusi, Chief Risk & Analytics Officer, Happy Money, Costa Mesa, CA
Jeremy Pinard, VP of Consumer Lending, Alliant CU, Chicago, IL
Christian Widhalm, SVP, Lender Partnerships, LendKey Technologies, New York, NY
Moderator: Tom Becker, Chief Lending Officer, Hanscom FCU, Littleton, MA

4:15 – 5:15 p.m.

BONUS SESSION: The Cornerstone of Collections – Getting all the Right Pieces in Place (session does not repeat)

Karen Brown Purtell, EVP Consulting, Lending Solutions Consulting, Inc., Elgin, IL

Learning to effectively collect debts requires patience and diligence. Karin Brown-Purtell, a leading industry debt collections expert, will discuss the strategies necessary to maximize efficiency and achieve successful collection practice results. Karin will review resolution-based methodologies, providing the tools to find payment solutions and maintain healthy member relationships. We will show you how to work within your budget and get the right pieces in place in order to develop a sustainable debt management program.

Evening – ON YOUR OWN

Time
Session
 
7:45 – 8:15 a.m.

BREAKFAST

8:15 – 9:30 a.m.

GENERAL SESSION – Disney’s Approach to Employee Engagement

Bruce Kimbrell, Senior Facilitator, Disney Institute, Anaheim, CA

There are four interconnected components that define an organization’s culture: employee selection, training, communication and care. Each is crucial to creating and nurturing a culture that fosters employee engagement. With a rich tradition and heritage built upon creating memorable experiences, The Walt Disney Company worked to attract, develop and retain employees dedicated to this vision.

To ensure employees consistently deliver exceptional experiences, an organization must intentionally design processes that reinforce their desired culture. Sharing insights of how employee selection, training and engagement are enhanced through high-quality communication and genuine care is one of the ways that Disney Institute can inspire your organization to think differently.

You have the unique opportunity to leverage time-tested business insights and relevant examples from the Disney organization to inspire, motivate and engage your attendees. These powerful learning experiences are not about becoming Disney, but rather learning to think how they think, and adapting those principles to your own organization.

9:30 – 9:45 a.m.

BREAK

9:45 – 10:45 a.m.

CLOSING GENERAL SESSION – The Rhythm of Success

Freddie Ravel, Grammy-Nominated Performer, Legendary Pianist and Business Visionary

The Rhythm of Success is a one-of-a-kind program designed to challenge and inspire organizations to discover their untapped potential. The format is fast-paced, entertaining, and as the secrets of the world’s undisputed international language of music are revealed, full of surprises.

No matter what kind of organization—from small companies to large corporations—employees at all levels will tune up to a better future by becoming more collaborative, productive and ultimately more profitable. This multimedia “keynote concert” experience is sure to open or close your meeting on a dynamic high note.

10:45 – 11:00 a.m.

Final Comments/Closing

Mike Lawson, Host, CUbroadcast, Carlsbad, CA