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19th Annual CUNA Lending Council Conference

2013 The Arizona Biltmore | Phoenix, AZ | November 3-6

Agenda

Time
Session
 
Noon – 8:00 p.m.

CONFERENCE REGISTRATION OPENS

7:30 a.m.– Noon

ICM Food & Clothing Bank

VOLUNTEER OPPORTUNITY

The ICM Food & Clothing Bank operates clothing banks and provides emergency relief services to the working poor in the greater Phoenix area.  This organization serves more than 100,000 people each year and at least 100 families each day, six days a week.  They frequently run out of many items but especially toiletries.  ICM would be very grateful for any donations along those lines – shampoo, conditioner, toothpaste, toothbrushes, bar soap, disposable razors or any other toiletry items you can think of. We will take all of the items to ICM the morning you do your volunteer work.

During your time at ICM, you may be involved in deep cleaning the Love Corner (childcare area) and all the kids toys; painting the interior walls of the pantry, clothing room, and client bathrooms or sorting all of the donated food on the shelves in the food warehouse by type and date

2:00 – 5:00 p.m.

Becoming a Student of Your Profession

PRE-CONFERENCE WORKSHOP (additional fee required)

David Tuyo, II, MBA, VP of Solutions, Lending Solutions Consulting, Inc., Elgin, IL

The goal of the session is to increase the intellectual capital of our movement's most talented lenders.  The attendees will gain strategic insights into their credit union and return to their organization's ready for a seat at the strategic table.  This session will focus on enhancing analytical and critical thinking skills. 

5:15– 6:00 p.m.

ORIENTATION FOR FIRST TIME ATTENDEES

We invite all conference first-time attendees to join us at this event.  Meet the Council executive committee and find out what our conference is all about.

6 pm

WELCOME CENTER OPEN

Conference Registration
Sponsor Area
Internet Café

6:00 – 8:00 p.m.

WELCOME RECEPTION

Meet Your Sponsors

Open to all conference attendees

Time
Session
 
7:00 – 8:00 a.m.

BREAKFAST

Visit with Sponsors

7:00 – 4:30 p.m.

WELCOME CENTER

Conference Registration
Sponsor Area
Internet Café

8:00 – 8:15 a.m.

CONFERENCE WELCOME

Bill Vogeney, EVP/Chief Lending Officer, Ent FCU, Colorado Springs, CO and CUNA Lending Council Chair

8:15 – 9:15 a.m.

Executing Imagination: Turning Raw Ideas into Powerful Results

Josh Linkner, Four-Time Entrepreneur, Author, and Jazz Musician, Detroit, MI   

Josh Linkner has seen thousands of companies loaded with creative buzz and big ideas. How is it that some harness their imagination to create game-changing drivers of growth and innovation while others miss the mark? The answer: the best companies have a systematic process to focus their team's creativity into practical outputs -- something Linkner discovered by founding and building companies that collectively sold for over $200 million. His inspiring presentation delivers practical tools that can be used immediately to increase creative output and deliver bottom-line results.

9:15– 9:30 a.m.

PASS TIME to BREAKOUTS

9:30 – 10:30 a.m.

Private Student Lending: Credit Union Opportunities and Regulatory Concerns

BREAKOUT SESSION (session does not repeat)

Alice Stevens, Chairman, Member Student Lending LLC, Wall, NJ
Mike Long, EVP/COO, CU Campus Resources, Madison, WI
Jon Jeffreys, President, Credit Union Student Choice, Washington, D.C.
Rohit Chopra, Student Loan Ombudsman, CFPB, Washington, DC
Tim Segerson, Deputy Director, NCUA, Alexandria, VA
Moderator: Paul Gentile, EVP- Strategic Communications and Engagement, Credit Union National Association, Washington, DC

The discussion will provide a great opportunity for a bifurcated panel of speakers; the heads of the three largest student lending CUSO’s and the regulatory bodies that govern credit unions and consumer protection on student loans. 

Paul Gentile of CUNA will moderate the discussion, which will highlight both past successes and new opportunities available to credit unions in student lending.  The regulatory speakers will focus on the opportunities as well, but will also highlight areas of concern and provide guidance to the CUSO leaders on best practices in consumer lending around the asset class, as well as compliance and risk standards through their supervising and governing body.

Interaction between the groups will be spurred by Gentile through a series of questions meant to engage both sides in both a Q&A and rebuttal style format. 

9:30 – 10:30 a.m.

Best Practices in Portfolio Analytics

BREAKOUT SESSION (session repeats)

Ian Dunn, CEO, Visible Equity, Midvale, UT
Taylor Nadauld, PhD., Chief Economist, Visible Equity, Midvale, UT

Through a fun and engaging presentation attendees will learn best practices in Loan Portfolio Analytics, including a discussion of real life applications, current examiner points of emphasis, and ‘how to guides’ on performing credit risk, concentration risk, static pool, loan quality ratings, and more.

9:30 – 10:30 a.m.

Member Business Lending – What Do I Need to Get Started?

John Pruitt, VP Business Services, Arizona State CU, Phoenix, AZ
Bob Stowell, SVP/COO, US Federal CU, Burnsville, MN

Member Business Lending has proven to be an effective strategic initiative for revenue growth. This session will present a general framework for credit union leaders to utilize in designing an MBL program that meets the needs of their organization.

9:30 – 10:30 a.m.

Driving Results Through Creativity and Innovation

BREAKOUT SESSION (session repeats)

Tammy Williams, President/CEO, Best Advantage CU, Brillion, WI

Industry leaders will benefit by re-thinking how credit unions can differentiate the CU movement through the generation of new ideas, delivery channels, products and services. BACU has built an institutional culture that embraces member experiences and fun as a strategic business model that creates team loyalty resulting in membership growth and satisfaction as demonstrated by BACU’s high product penetration.

10:30 – 11:00 a.m.

NETWORKING BREAK

Visit with Sponsors

11:00 – 11:15 a.m.

PASS TIME to BREAKOUTS

11:15 – 12:15 p.m.

Best Practices in Portfolio Analytics

Ian Dunn, CEO, Visible Equity, Midvale, UT
Taylor Nadauld, PhD., Chief Economist, Visible Equity, Midvale, UT

Through a fun and engaging presentation attendees will learn best practices in Loan Portfolio Analytics, including a discussion of real life applications, current examiner points of emphasis, and ‘how to guides’ on performing credit risk, concentration risk, static pool, loan quality ratings, and more.

11:15 – 12:15 p.m.

Member Business Lending – What Do I Need to Get Started?

John Pruitt, VP Business Services, Arizona State CU, Phoenix, AZ
Bob Stowell, SVP/COO, US Federal CU, Burnsville, MN

Member Business Lending has proven to be an effective strategic initiative for revenue growth. This session will present a general framework for credit union leaders to utilize in designing an MBL program that meets the needs of their organization.

11:15 – 12:15 p.m.

Driving Results Through Creativity and Innovation

Tammy Williams, President/CEO, Best Advantage CU, Brillion, WI

Industry leaders will benefit by re-thinking how credit unions can differentiate the CU movement through the generation of new ideas, delivery channels, products and services. BACU has built an institutional culture that embraces member experiences and fun as a strategic business model that creates team loyalty resulting in membership growth and satisfaction as demonstrated by BACU’s high product penetration.

11:15 a.m. – 12:15 p.m

State of the Automotive Finance Market

Melinda Zabritski, Sr. Director, Experian Automotive, Costa Mesa, CA

This session will provide attendees with the latest trends impacting new and used automotive lending. We’ll review shifts in automotive financing, credit scores, credit union market share and overall automotive lending.

12:15 – 1:30 p.m.

LENDING AWARDS LUNCHEON

1:45 –4:30 p.m.

BONUS SESSION –MBL ROUNDTABLE

Victoria Bennett, Regional Lending Specialist, NCUA, Phoenix, AZ
Facilitator: Bob Stowell, SVP/COO, US Federal CU, Burnsville, MN        

During the first hour of the MBL Roundtable, hear from Victoria Bennett about MBL examination issues.  With more and more credit unions in the MBL business and at varying experience levels, this opportunity to have an exchange with a Regional Lending Specialist should prove beneficial to all attendees.  You will have the opportunity to ask questions. Following the presentation from Victoria, we will meet for two hours and have an open dialogue regarding a multiple of concerns and questions you have regarding member business lending.  This will provide a great opportunity to exchange best practices with your peers.

1:45– 2:45 p.m.

Movin’ on up (Part II): The Journey from Lending Manager to CLO

Bill Vogeney, EVP/Chief Lending Officer, Ent FCU, Colorado Springs, CO
Keith Reynolds, SVP Lending, CEFCU, Peoria, IL
Moderator: Matt Vance, Sr. Product Development Supervisor, Salal CU, Seattle, WA 

As credit unions continue to evolve, the roles and responsibilities of credit union leaders also evolve. In this session a panel of CLOs will explore the role of the Chief Lending Officer in today’s credit unions, the various pathways to the job, and discuss the skills and attributes needed to perform the job successfully.

1:45– 2:45 p.m.

Deepening Relationships with New Members: A Panel Discussion

Angila Schafer, Lending Center Manager, STCU, Liberty Lake, WA
Renee Taylor, Marketing Research Manager, STCU, Liberty Lake, WA
Moderator: Scott Adkins, VP Lending, STCU, Spokane, WA

In the past few years, credit unions have added record numbers of new members.  This session will feature a panel of lending and marketing experts who will provide practical tips on how to deepen relationships with new members.

 Learning Outcomes:

• Template for member “on-boarding”
• Value and importance of relationship development calls
• How to “penetrate the shell” of new indirect members
• Establishing performance benchmarks

1:45– 2:45 p.m.

The Changing World of Payments and the Implications for Lending

Chris Chippindale, VP Enterprise Initiatives and Electronic Banking, Ent FCU, Colorado Springs, CO

With dozens of new payment technologies emerging, it’s impossible to predict which ones will take hold across the industry.  But even if we don't know the final answer, there are things your credit union can do to be prepared.  This session will outline emerging payment trends and how lending will be affected regardless of which solutions win out.

1:45– 2:45 p.m.

Mortgage – Secondary Marketing Strategies

Alan Bahr, Director, CUNA Mutual Group, Madison, WI
Keith Varney, President, TruHome Solutions, LLC, Lenexa, KS

The secondary mortgage market is important to credit unions. It is undergoing significant change. How can credit unions position their mortgage business to survive potential secondary market reform and continue to provide mortgage products to their borrowers?

2:45– 3:15 p.m.

NETWORKING BREAK

Visit with Sponsors

3:15 - 3:30 p.m.

PASS TIME to BREAKOUTS

3:30– 4:30 p.m

Movin’ on up (Part II): The Journey from Lending Manager to CLO

Bill Vogeney, EVP/Chief Lending Officer, Ent FCU, Colorado Springs, CO
Keith Reynolds, SVP Lending, CEFCU, Peoria, IL
Moderator: Matt Vance, Sr. Product Development Supervisor, Salal CU, Seattle, WA 

As credit unions continue to evolve, the roles and responsibilities of credit union leaders also evolve. In this session a panel of CLOs will explore the role of the Chief Lending Officer in today’s credit unions, the various pathways to the job, and discuss the skills and attributes needed to perform the job successfully.

3:30– 4:30 p.m.

Deepening Relationships with New Members: A Panel Discussion

Angila Schafer, Lending Center Manager, STCU, Liberty Lake, WA
Renee Taylor, Marketing Research Manager, STCU, Liberty Lake, WA
Moderator: Scott Adkins, VP Lending, STCU, Spokane, WA

In the past few years, credit unions have added record numbers of new members.  This session will feature a panel of lending and marketing experts who will provide practical tips on how to deepen relationships with new members.

 Learning Outcomes:

• Template for member “on-boarding”
• Value and importance of relationship development calls
• How to “penetrate the shell” of new indirect members
• Establishing performance benchmarks

3:30– 4:30 p.m.

The Changing World of Payments and the Implications for Lending

Chris Chippindale, VP Enterprise Initiatives and Electronic Banking, Ent FCU, Colorado Springs, CO

With dozens of new payment technologies emerging, it’s impossible to predict which ones will take hold across the industry.  But even if we don't know the final answer, there are things your credit union can do to be prepared.  This session will outline emerging payment trends and how lending will be affected regardless of which solutions win out.

3:30– 4:30 p.m.

Mortgage – Secondary Marketing Strategies

Alan Bahr, Director, CUNA Mutual Group, Madison, WI
Keith Varney, President, TruHome Solutions, LLC, Lenexa, KS

The secondary mortgage market is important to credit unions. It is undergoing significant change. How can credit unions position their mortgage business to survive potential secondary market reform and continue to provide mortgage products to their borrowers?

6:00 – 9:00 p.m.

SOCIAL EVENT

Join us for our ‘Western-themed’ Casino night.  We’ll have plenty of food and beverages for you to enjoy while you play your favorite casino games. So grab your best cowboy gear and join us! We’ll be awarding a prize for the best western outfit.

Time
Session
 
7:00 – 7:45 a.m.

BREAKFAST

7:00 – 5:30 p.m.

WELCOME CENTER OPEN

Conference Registration
Sponsor Area
Internet Café

7:45 - 8:00 a.m.

MORNING ANNOUNCEMENTS

8:00 - 9:00 a.m.

Economic Update

Mike Schenk, VP Economics & Statistics, Credit Union National Association, Madison, WI

Few times in our nation’s history have we encountered economic challenges like we face today. What we all seek is information that will help prepare, enlighten and guide us as we look forward to the coming years. What’s the outlook for the economy and credit unions for the next year? How long and deep will the economic slowdown be, and how will it affect credit unions as a whole and the role of operations and technology professionals? What are the best economic indicators to focus on to get a sense of “where were at” moving forward?

9:00– 9:15 a.m.

PASS TIME to BREAKOUTS

9:15 – 10:15 a.m.

Lending and eSignatures – Keeping it Simple

Greg Cook, Lending and Insurance Product Manager, Georgia’s Own CU, Atlanta, GA
Ken Moyle, Chief Legal Officer, DocuSign, Inc., Seattle, WA

In this session we will review the legality, use of and successes of eSignatures within the Credit Union environment.  You will learn more about the laws that control eSignatures in the US along with common use cases and the real results Credit Unions are experiencing after implementing eSignatures in their organization.

9:15 – 10:15 a.m.

Maximizing Your Share of Member and Indirect Auto Loans

Bob Child, Chief of Staff, CU Direct Corp., Ontario, CA

Bob Child will present exclusive research findings on how members and nonmembers are making auto lending decisions, their key decision factors, use of mobile etc. and discuss how credit unions can influence the process and convert indirect members to full members with multiple products

9:15 – 10:15 a.m.

Rewarding Member Loyalty

Matt Flynn, Director Client Relations, The Members's Group, Des Moines, IA
Molly Plozay, VP Loyalty and Personalized Marketing, First Data Loyalty Services, Omaha, N

A strategically managed credit card loyalty program can help your credit union create an improved member experience, increased share of wallet, and higher profitability. The ongoing structural transformation of the credit card business requires credit unions to actively employ its rewards platform to draw members into a broader, more engaged relationship with the institution. During this session, Matt Flynn from The Members Group will offer insight into new options for traditional card rewards programs and demonstrate how proactive, expert loyalty program management acts as a powerful driver of credit union performance.

9:15 – 10:15 a.m.

Become an Excel Jedi: Powerful Portfolio Analytics Anyone can Do

Mike London, AVP Consumer Credit Services, Delta Community CU, Atlanta, GA

A long, long time ago in a credit union far, far away lending managers were asked to perform complex analyses of their portfolios with little to no budget for analytical personnel or external consultant assistance. This breakout session will present advanced Excel tools and formulas that will help you analyze your portfolio faster, build better models, and present results more cleanly. Excel Padawans welcome!

10:15 – 10:45 a.m.

NETWORKING BREAK

Visit with Sponsors

10:45 – 11:45 p.m.

Lending and eSignatures – Keeping it Simple

Greg Cook, Lending and Insurance Product Manager, Georgia’s Own CU, Atlanta, GA
Ken Moyle, Chief Legal Officer, DocuSign, Inc., Seattle, WA

In this session we will review the legality, use of and successes of eSignatures within the Credit Union environment.  You will learn more about the laws that control eSignatures in the US along with common use cases and the real results Credit Unions are experiencing after implementing eSignatures in their organization.

10:45 – 11:45 p.m.

Maximizing Your Share of Member and Indirect Auto Loans

Bob Child, Chief of Staff, CU Direct Corp., Ontario, CA

Bob Child will present exclusive research findings on how members and nonmembers are making auto lending decisions, their key decision factors, use of mobile etc. and discuss how credit unions can influence the process and convert indirect members to full members with multiple products

10:45 – 11:45 a.m.

Rewarding Member Loyalty

Matt Flynn, Director Client Relations, The Members's Group, Des Moines, IA
Molly Plozay, VP Loyalty and Personalized Marketing, First Data Loyalty Services, Omaha, N

A strategically managed credit card loyalty program can help your credit union create an improved member experience, increased share of wallet, and higher profitability. The ongoing structural transformation of the credit card business requires credit unions to actively employ its rewards platform to draw members into a broader, more engaged relationship with the institution. During this session, Matt Flynn from The Members Group will offer insight into new options for traditional card rewards programs and demonstrate how proactive, expert loyalty program management acts as a powerful driver of credit union performance.

10:45 – 11:45 p.m.

Become an Excel Jedi: Powerful Portfolio Analytics Anyone can Do

Mike London, AVP Consumer Credit Services, Delta Community CU, Atlanta, GA

A long, long time ago in a credit union far, far away lending managers were asked to perform complex analyses of their portfolios with little to no budget for analytical personnel or external consultant assistance. This breakout session will present advanced Excel tools and formulas that will help you analyze your portfolio faster, build better models, and present results more cleanly. Excel Padawans welcome!

11:45 – 12:45 p.m.

MEMBERSHIP LUNCHEON

(open to all attendees)

1:00– 3:45 p.m.

Mortgage Lending Roundtable

Jerry Anderson, VP Residential Lending, Alliant CU, Chicago, IL
Tim Mislansky, President, myCUmortgage, Fairborn, OH
Steve Quigley, SVP Retail, University of Iowa Community CU, Iowa City, IA
Facilitator: Pam Davis, VP, Retail Lending & Deputy CLO, Delta Community CU, Atlanta, GA

This special session is an opportunity for experienced and active mortgage lenders to join with other residential lending professionals in a facilitated discussion of important issues and current topics. There will be enough time to dig deeper into specialized mortgage lending concerns and learn from the experiences of your peers. A diverse panel of mortgage lending experts will be on hand to get the conversation started and provide color commentary.

1:00 – 2:00 p.m.

Turbo Charged Sales Management

Darrell Noble, Director of Consumer Lending Sales/Service, Ent FCU, Colorado Springs, CO

This session offers insights in to developing loan business through greater sales performance. Hear next-level sales concepts that can reveal untapped loan opportunities, and help turn those opportunities in to funded loans.  You’ll take away proven sales management ideas to reliably, predictably, and efficiently grow your consumer loan volume.  

1:00 – 2:00 p.m.

Loan Growth Best Practices

Kathy Begley, VP Operations/Credit, University of Kentucky FCU, Lexington, KY
Frank DeGraw, EVP, Sunmark FCU, Latham, NY
Chris Perez, VP Lending/Loss Mitigation, Cooperative Center FCU, Berkeley, CA

Is growing loans among your credit union’s strategic objectives?  This session will give you some real-life insight from credit union lenders who have achieved success in growing their loan portfolios.  You will receive information that has relevant and practical application for you to utilize at your credit union.  These panelists all represent credit unions who have been Lending Council Excellence in Lending Award Winners in either 2012 or 2011.

1:00 – 2:00 p.m.

Join the Next Wave of Mobile Commerce

Mark Crager, Head of Emerging Product Sales, VISA, Foster City, CA

More and more consumers are choosing smartphones and tablets to accomplish the daily tasks of life. Credit unions can use the mobile channel to deliver new services and deepen member cardholder relationships. In this session, Visa will share their unique industry-wide perspective on strategies financial institutions can use to augment their credit, debit, and prepaid card offerings, including remote and point of sale payments, merchant offer delivery, fraud alerts, and P2P payments. As new players innovate in the payments arena, smart use of mobile technology can help your credit union improve the value of your credit card products and retain the loyalty and engagement of your member cardholders.

1:00 – 2:00 p.m.

NCUA Hot Topics

Lynn Markgraf, NCUA Supervisory Examiner, Phoenix, AZ

Discuss timely and relevant topics of interest to the credit unions relative to what examiners are seeing at during their exam visits.  You will have the opportunity to ask questions

2:30 – 2:45 p.m.

PASS TIME to SESSIONS

2:45– 3:45 p.m.

Turbo Charged Sales Management

Darrell Noble, Director of Consumer Lending Sales/Service, Ent FCU, Colorado Springs, CO

This session offers insights in to developing loan business through greater sales performance. Hear next-level sales concepts that can reveal untapped loan opportunities, and help turn those opportunities in to funded loans.  You’ll take away proven sales management ideas to reliably, predictably, and efficiently grow your consumer loan volume. 

2:45– 3:45 p.m.

Loan Growth Best Practices

Kathy Begley, VP Operations/Credit, University of Kentucky FCU, Lexington, KY
Frank DeGraw, EVP, Sunmark FCU, Latham, NY
Chris Perez, VP Lending/Loss Mitigation, Cooperative Center FCU, Berkeley, CA

Is growing loans among your credit union’s strategic objectives?  This session will give you some real-life insight from credit union lenders who have achieved success in growing their loan portfolios.  You will receive information that has relevant and practical application for you to utilize at your credit union.  These panelists all represent credit unions who have been Lending Council Excellence in Lending Award Winners in either 2012 or 2011.

2:45– 3:45 p.m.

Join the Next Wave of Mobile Commerce

Mark Crager, Head of Emerging Product Sales, VISA, Foster City, CA

More and more consumers are choosing smartphones and tablets to accomplish the daily tasks of life. Credit unions can use the mobile channel to deliver new services and deepen member cardholder relationships. In this session, Visa will share their unique industry-wide perspective on strategies financial institutions can use to augment their credit card offerings, including remote and point of sale payments, merchant offer delivery, fraud alerts, and P2P payments. As new players innovate in the payments arena, smart use of mobile technology can help your credit union improve the value of your credit card products and retain the loyalty and engagement of your member cardholders.

2:45– 3:45 p.m.

NCUA Hot Topics

Lynn Markgraf, NCUA Supervisory Examiner, Phoenix, AZ

Discuss timely and relevant topics of interest to the credit unions relative to what examiners are seeing at during their exam visits.  You will have the opportunity to ask questions

3:45 – 4:00 p.m.

PASS TIME to SESSIONS

4:00 – 4:45 p.m.

Responsible Lenders, Meet Savvy Borrowers

Jean Chatzky with special host by JB Orecchia of Savvy Money

Come hear a special message from Jean Chatzky, prepared especially for credit union lending leaders. In this unique bonus general session hosted by JB Orecchia of SavvyMoney.com, you’ll hear Jean’s insightful perspective on how credit unions can be the perfect match for consumers looking to better understand and manage their use of credit.

4:45 – 5:30 p.m.

Networking Reception with our Sponsors

Time
Session
 
7:00 – 10:45 a.m.

WELCOME CENTER OPEN

Conference Registration
Sponsor Area
Internet Café

8:00 – 8:30 a.m.

CONTINENTAL BREAKFAST

Visit with Sponsors

8:30 – 9 :30 a.m.

Consumer Financial Protection Bureau Update

Edwin Chow, Director, West Region, CFPB, San Francisco, CA

The CFPB is has issued important new rules that are going into effect soon. What is the CFPB expecting from lenders to be in compliance? Credit Unions need to understand the rules and be prepared.

9:30 – 9:45 a.m

BREAK

9:45 – 10:45 a.m.

The Back of the Napkin: Solving Problems (And Selling Your Solutions) With Pictures

CLOSING GENERAL SESSION

Dan Roam, Best Selling Author and Speaker Pop quiz: You're on the way home from a conference. At the airport bar, you strike up a conversation with the person on the next stool. She asks, "What you do?" You say, "I manage Enterprise Architecture Projects for mission-critical business applications with an emphasis on Services Oriented Architectures." She smiles politely and says, "You broke your what?"

Let's face it: describing the complexity of today's working world is hard... unless we use pictures. In this session, Dan Roam demonstrates step-by-step how anyone -- regardless of artistic talent or training -- can use simple pictures to describe what we do, explain complex concepts, solve fuzzy problems, and sell others on breakthrough ideas.