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21st Annual Lending Council Conference

2015 Harbor Beach Marriott | Fort Lauderdale, FL | November 8-11

Agenda

Time
Session
 
7:15-8:00 a.m.

BREAKFAST

Breakfast for Volunteer participants only

8:00 a.m. – Noon

VOLUNTEER OPPORTUNITY

The CUNA Lending Council proudly features a Volunteer Event at the start off our annual conference.  This year we are partnering with the City of Fort Lauderdale’s Neighbor Volunteer Office in support of their Adopt-A-Neighbor program.  This program pairs caring volunteers with homeowners to build community by enhancing properties and beautifying neighborhoods throughout Fort Lauderdale. The Adopt-A-Neighbor program was developed to help low-income, elderly or disabled homeowners bring their properties into compliance.  Our group will be paired with two homes in the same neighborhood in need of painting and landscaping.   Other Adopt-A Neighbor volunteers will power wash the houses a couple of weeks prior in preparation for our work. 

The Member Resources Committee hopes to engage 10% of our conference attendees in our Volunteer Event.  Join us as we share the credit union difference and give back to our host city!

10 a.m. – 8:00 p.m.

CONFERENCE REGISTRATION

Refreshments during Registration

2:00 – 5:00 p.m.

PRE-CONFERENCE WORKSHOP

Loan Portfolio Analytics: Driving Your Data to Grow Your Portfolio

Steve Miller, President, Twenty Twenty Analytics, Clearwater, FL
Bentley Hatcher, SVP Lending, Local Government FCU, Raleigh, NC

This session will cover multiple methods to achieve your loan goals by using data that you already have. Using real life examples, we will share different models that we have used to help our credit union customers meet their specific needs. In addition to our speaker, who is an industry expert, you’ll get actual examples from credit union loan practitioners.

5:15 – 6:00 p.m.

FIRST TIME ATTENDEE ORIENTATION

6:00 p.m.

WELCOME CENTER OPENS

Conference Registration

Sponsor Displays

Internet Café

6:00 - 8:00 p.m.

WELCOME RECEPTION – Meet your Sponsors

Time
Session
 
7:00 a.m. – 4:45 p.m.

WELCOME CENTER

Conference Registration

Sponsor Displays

Internet Café

7:00 - 7:45 a.m.

BREAKFAST – Visit with Sponsors

7:45 – 8:00 a.m.

CONFERENCE WELCOME

8:00 – 9:00 a.m.

KEYNOTE ADDRESS: The Innovator’s Resilience

Tim Sanders, CEO of Net Minds, Internal and External Relationships Expert and Best-selling Author

Former Yahoo CSO offers advice on how to deal with change, be it regulatory based or market driven.  The key to innovation is the combination of creativity and confidence, which is the result of lifestyle design and leadership.  The session will offer takeaways on how to grow your community brand, your professional network and knowledge base in order to drive your CU’s success.  

9:00 – 9:15 a.m.

PASS TIME to BREAKOUT SESSIONS

9:15 – 10:15 a.m.

Meeting Your Commercial Members Needs while maintaining Safe and Sound Lending (session repeats)

Vincent Vieten, Program Officer, Member Business Lending
NCUA, Alexandria, VA

Regulatory update.  The primary discussion will be a review of the June 18, 2015 NCUA Board proposed principles based Part 723 Member Business Loans, Commercial Lending.  Focusing on the credit unions responsibilities for identifying and managing the risk in their commercial loan portfolio along with the anticipated changes in supervision under a principles based regulation.  Additionally time will be allocated for an open discussion of current topics.

9:15 – 10:15 a.m.

Business Lending with a Government Guarantee (session does not repeat)

Margaret Gilbert, Managing Director, Coastal Securities, Houston, TX
Herb White, VP Lending, Hudson Valley CU, Poughkeepsie, NY

This session lays out the benefits of government guaranteed business lending for both your members and the credit union.  Learn from experienced credit union lenders how to gain market share utilizing financing solutions guaranteed by the SBA for almost any business purpose loan that may include terms otherwise prohibited by credit union regulation. Secondary market opportunities will also be reviewed as a great way to increase profitability – whether as a seller or a buyer of the guaranteed portions of SBA loans.  Selling off the guarantee can create profitable servicing income and premium income. Or, if you are close to your cap or your credit union needs loans, buying the guaranteed participations can help supplement the growth and diversification of your loan portfolio with NO credit risk and without counting toward the cap.

 

9:15 – 10:15 a.m.

Empower your ALCO for Successful Strategy Development (session does not repeat)

Joe Kennerson, Managing Director, Darling Consulting Group, Inc., Newburyport, MA

Joe will take your ALCO to the next level as he walks through strategy ideas on real life case studies that can improve earnings while managing interest rate risk, liquidity, and net worth. He will also show you how to leverage off of member data to support your risk position and execute strategies.

9:15 – 10:15 a.m.

Understanding HELOCs: Facts versus Fear (session repeats)

Ezra Becker, VP Financial Services, TransUnion, Chicago, IL

There is a substantial wave of Home Equity Lines of Credit (HELOCs) that will be exiting their draw-down periods and entering fully amortized payback over the next three years. Many in the consumer lending industry are concerned that the payment shock experienced by these borrowers will have a material impact on their ability to manage their debt burdens effectively. In fact, some believe the HELOC situation has the makings of a “bubble” with the potential to drive the economy into another recession. This session aims to incorporate some science into the conversation. We will present an evaluation of the HELOC borrower population from a quantitative risk perspective, based on both TransUnion credit file data and home value data from CoreLogic. The discussion will also include a payment shock analysis of those HELOC borrowers, who have already exited the draw-down period, with a look at their behavior across product types during the pay down period.

10:15 - 10:45 a.m.

NETWORKING BREAK - Visit with Sponsors

10:45 - 11:45 a.m.

Meeting Your Commercial Members Needs while maintaining Safe and Sound Lending

Vincent Vieten, Program Officer, Member Business Lending
NCUA, Alexandria, VA

Regulatory update.  The primary discussion will be a review of the June 18, 2015 NCUA Board proposed principles based Part 723 Member Business Loans, Commercial Lending.  Focusing on the credit unions responsibilities for identifying and managing the risk in their commercial loan portfolio along with the anticipated changes in supervision under a principles based regulation.  Additionally time will be allocated for an open discussion of current topics.

10:45 - 11:45 a.m.

Noise vs. Reality: Education Finance (session does not repeat)

Mike Long, EVP/Chief Credit Officer, UW Credit Union, Madison, WI
Jim Holt, Chief Revenue Officer, CU Student Choice, Washington DC
Jason Hills, SVP Sales, Account Management, Lendkey, New York, NY
Moderator: Levi Wilson, Consumer Lending Software, Affinity Plus FCU, St. Paul, MN

Join our panel of experts at this session as they explore the myth versus reality in regard to education finance.  From sky rocketing tuition to the next big bubble: what is fact and what is fiction? 

10:45 - 11:45 a.m.

Fannie Mae Update (session does not repeat)

Tammy Trefny, Sr. Account Manager, Fannie Mae, Chicago, IL

This session will focus on how Fannie Mae is helping lenders provide flexibilities for creditworthy borrowers.  It will focus on how credit unions can serve more members with their homebuying needs through flexible sources of funds for down payment and products designed for limited funds for down payment.

10:45 - 11:45 a.m.

Understanding HELOCs: Facts versus Fear

Ezra Becker, VP Financial Services, TransUnion, Chicago, IL

There is a substantial wave of Home Equity Lines of Credit (HELOCs) that will be exiting their draw-down periods and entering fully amortized payback over the next three years. Many in the consumer lending industry are concerned that the payment shock experienced by these borrowers will have a material impact on their ability to manage their debt burdens effectively. In fact, some believe the HELOC situation has the makings of a “bubble” with the potential to drive the economy into another recession. This session aims to incorporate some science into the conversation. We will present an evaluation of the HELOC borrower population from a quantitative risk perspective, based on both TransUnion credit file data and home value data from CoreLogic. The discussion will also include a payment shock analysis of those HELOC borrowers, who have already exited the draw-down period, with a look at their behavior across product types during the pay down period.

11:45 a.m. - 12:45 p.m.

LUNCHEON

Join us on the Oceanview Terrace for a buffet luncheon.

12:45 - 1:00 p.m.

PASS TIME to BREAKOUT SESSIONS

1:00 - 2:00 p.m.

Emotional Intelligence Your #1 Success Factor (session repeats)

Crystal Jonas, President, Tap Your Genius, Inc., Colorado Springs, CO

Bottom line: Scientists have PROVEN that the higher your EQ (that’s Emotional Intelligence, kinda like people skills, only even more powerful and important) the more you easily earn: Money; Respect; Admiration; Loyalty; Friendships.

Great News!  No matter how wonderful you are already, you can always tweak your EQ and get that much more of the good stuff that makes life and work wonderful and rewarding. Join us to find out how!

1:00 - 2:00 p.m.

Launching Member Business Lending: In-House or CUSO? (session does not repeat)

Gwen Wong, VP Business Banking, Meriwest CU, San Jose, CA
Andy Weingartner, EVP Business Lending, Cooperative Business Services, Cincinnati, OH
Tom Ries, Director Member Business Services, US Federal CU, Burnsville, MN

Member Business Lending (MBL) is a great compliment to your credit union’s loan portfolio to help grow revenue.  This session will provide a framework of best practices for operation an MBL portfolio.  Explore the benefits and challenges of operating MBLs within your credit union or partnering with a CUSO.

1:00 - 2:00 p.m.

Big Data and the Zombie Apocalypse (session repeats)

John Best, President, Best Innovation Group, Denver, CO

In the future, opportunities are sparse. It no longer rains free interchange from the sky. You’re competing with entities like The Lending Club and Prosper to find food for your village. How will you survive? How will you differentiate yourself from the competitors going after the same resources as you? You must master the skills to survive. Find out why analytics is not a product, but a discipline to be learned that just might save your back… 

 

1:00 - 2:00 p.m.

Member Experience and the Digital Mortgage (session repeats)

Nizar Hashlamon, Global Sales Lead, Accenture Mortage Cadence, Arlington, VA
Lorraine Stewart, VP Mortgage Lending, BECU, Tukwila, WA

The Digital Mortgage is not as new as it sounds.  BECU and Accenture Mortgage Cadence closed their first completely paperless, fully electronic mortgage loan in October 2008, with advanced delivery of closing documents becoming a regular occurrence early on.  Seven years and thousands of digital mortgage loans later, BECU’s members depend upon this option for the time it saves, the clutter it reduces and the transparency it provides.

While digital mortgage loans produce documented efficiency for lenders, creating a better member experience was, and is, the primary driver behind this BECU/Accenture Mortgage Cadence technology initiative.  Originally a means of differentiating BECU in a crowded, cluttered mortgage market, eMortgages are now essential for reaching millennials, the largest single home-buying demographic since the Baby Boomers to hit the market.  Tech-savvy and paper-averse, this generation will choose its lender for fast, online transactions that keep them informed and allow them to interact on their terms.  Recent experience, gained through increasing home buying and refinancing activity combined with participation in the CFPB’s eClose pilot, demonstrate the growing member demand for, and interest in, total online interaction from origination through closing, including eSigning all mortgage documents.

2:00 - 2:30 p.m.

NETWORKING BREAK - Visit with Sponsors

2:30 - 2:45 p.m.

PASS TIME to BREAKOUT SESSIONS

2:45 - 3:45 p.m.

Emotional Intelligence Your #1 Success Factor

Crystal Jonas, President, Tap Your Genius, Inc., Colorado Springs, CO

Bottom line: Scientists have PROVEN that the higher your EQ (that’s Emotional Intelligence, kinda like people skills, only even more powerful and important) the more you easily earn: Money; Respect; Admiration; Loyalty; Friendships.

Great News!  No matter how wonderful you are already, you can always tweak your EQ and get that much more of the good stuff that makes life and work wonderful and rewarding. Join us to find out how!

2:45 - 3:45 p.m.

Commercial Loan Participations Buying/Selling/Waivers and the New NCUA Rules (session does not repeat)

Jeff Barnes, VP Commercial Lending, Bellco CU, Greenwood Village, CO
Lawrence Jones, VP, Bethpage FCU, Bethpage, NY

Join us for an overview and a Q&A session on how to purchase participation loans and their requirements. This session will also cover setting- up your MBL's to sell as participations. And, ithe new MBL expansions are on track, some discussion will take place on how that will affect the participation market.

2:45 - 3:45 p.m.

Big Data and the Zombie Apocalypse

John Best, President, Best Innovation Group, Denver, CO

In the future, opportunities are sparse. It no longer rains free interchange from the sky. You’re competing with entities like The Lending Club and Prosper to find food for your village. How will you survive? How will you differentiate yourself from the competitors going after the same resources as you? You must master the skills to survive. Find out why analytics is not a product, but a discipline to be learned that just might save your back… 

2:45 - 3:45 p.m.

Member Experience and the Digital Mortgage

Nizar Hashlamon, Global Sales Lead, Accenture Mortage Cadence, Arlington, VA
Lorraine Stewart, VP Mortgage Lending, BECU, Tukwila, WA

The Digital Mortgage is not as new as it sounds.  BECU and Accenture Mortgage Cadence closed their first completely paperless, fully electronic mortgage loan in October 2008, with advanced delivery of closing documents becoming a regular occurrence early on.  Seven years and thousands of digital mortgage loans later, BECU’s members depend upon this option for the time it saves, the clutter it reduces and the transparency it provides.

While digital mortgage loans produce documented efficiency for lenders, creating a better member experience was, and is, the primary driver behind this BECU/Accenture Mortgage Cadence technology initiative.  Originally a means of differentiating BECU in a crowded, cluttered mortgage market, eMortgages are now essential for reaching millennials, the largest single home-buying demographic since the Baby Boomers to hit the market.  Tech-savvy and paper-averse, this generation will choose its lender for fast, online transactions that keep them informed and allow them to interact on their terms.  Recent experience, gained through increasing home buying and refinancing activity combined with participation in the CFPB’s eClose pilot, demonstrate the growing member demand for, and interest in, total online interaction from origination through closing, including eSigning all mortgage documents.

3:45 - 4:00 p.m.

PASS TIME to GENERAL SESSION

4:00 - 5:00 p.m.

GENERAL SESSION: 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?

6:00 p.m. - 9:00 p.m.

SOCIAL EVENT – Beach Party a-Glow-Glow

Co-Sponsored by Akcelerant, a Temenos Company, CU Solutions Group, Intuvo, Open Lending, LLC / Lenders Protection, LLC and TCI

Surf’s up! Join us this evening at our beach party a-glow-glow. We’ll have food, drinks, music and other entertainment to enjoy. Guests may join you at this event for $75 per person. Tickets are required.

Time
Session
 
7:00 a.m. - 4:00 p.m.

WELCOME CENTER

Conference Registration
Sponsor Displays
Internet Café

7:00 - 8:00 a.m.

BREAKFAST – Visit with Sponsors

8:00 - 8:30 a.m.

CREDIT UNION INDUSTRY UPDATE

Jim Nussle, President/CEO, Credit Union National Association, Washington, D.C.

8:30 - 9:00 a.m.

MEMBERSHIP UPDATE

Join us as Jason Osterhage, our Executive Committee chair, provides details of all the Lending Council has accomplished this year.

9:00 - 9:15 a.m.

PASS TIME TO SESSIONS

9:15 - 10:30 a.m.

Member Business Lending Roundtable

Facilitator: Bob Stowell, SVP/CSO, US Federal CU, Burnsville, MN

9:15 - 10:30 a.m.

Consumer Lending Roundtable

Facilitator: Gayle Gustafson, VP Lending, Rivermark CU, Beaverton, OR

9:15 - 10:30 a.m.

Mortgage Lending Roundtable

Facilitator: Joe Brancucci, CEO, GTE Financial CU, Tampa, FL
Mark Wilburn, SVP, Truity CU, Bartlesville, OK

10:30 – 11:00 a.m.

NETWORKING BREAK – Visit with Sponsors

11:00 a.m. - 12:30 p.m.

ROUNDTABLES CONTINUE

12:30 – 1:30 p.m.

NETWORKING LUNCH

Grab a box lunch and join us in the welcome center for more networking and visits with our many sponsors.

1:30 - 2:30 p.m.

Views from Dealerships on Credit Union Relationships and Financing: A Panel Discussion

Matt Phelan, General Manager, Niello Audi, Sacramento, CA
Debbie Tarbuck, Sr. Manager-Indirect Dealer Lending, BECU, Seattle, WA
Mary Byrne, General Manager, Bruce Titus Olympia Chrysler Jeep, Olympia, WA
Moderator: Dr. Neil Goldman, Sr. Partner, Goldman Consulting & Strategy (GCS). Inc., Del Aire, CA

A panel of top dealer principals engages in a question and answer session. The panel will address a variety of issues, including keys to successful relationships with credit unions, as well as the latest trends, hot topics, and issues facing the automotive industry.

1:30 - 2:30 p.m.

Growing Your Credit Card Portfolio (session repeats)

Michelle Shoop, Director, Cornerstone Advisors. Scottsdale, AZ
Fredda McDonald, Managing Partner, Lyndian Management Consulting, St. Petersburg, FL
Moderator: Eric Givens, Sr. Director Digital Banking, Arizona FCU, Phoenix, AZ

A panel of industry experts will provide tips to assist credit unions of all sizes to consider ways that they can acquire, activate and grow their card portfolios.

1:30 - 2:30 p.m.

Managing Your MBL Portfolio when Close to Your Cap

(session does not repeat)

Rob Farrington, VP, American First CU, La Habra, CA
Chuck Anderson, Business Services Consultant, Lincoln, CA

Join us for a high level discussion of your options when your credit union is close to its MBL cap. We will review areas such as originating and participating, along with selling, and other potential options.

 

1:30 - 2:30 p.m.

Consumer Loan Growth & Compliance Pitfalls

Andrea Stritzke, Director Lending Compliance, CUNA Mutual Group, Madison, WI
Jon Bundy, Compliance Manager, Service Products, CUNA Mutual Group, Madison, WI

Loan growth is at the top of the list as a hot topic for most credit unions this year.  With all the hype, how can loan growth and lending regulations get along? During this exciting session, we will provide some real life examples of loan growth strategies and the resulting compliance pitfalls to watch out for including issues related to growing loans through prescreened offers and applied technology. You’ll walk away with a better understanding of how compliance considerations can actually work alongside a growing consumer loan program.

2:30 - 3:00 p.m.

NETWORKING BREAK – Sponsor Prize Drawings

3:00 - 4:00 p.m.

Views from Dealerships on Credit Union Relationships and Financing: A Panel Discussion (session repeats)

Matt Phelan, General Manager, Niello Audi, Sacramento, CA
Jeff Walstrom, Business Manager, Reeves Import Motorcars, Tampa, FL
Debbie Tarbuck, Sr. Manager-Indirect Dealer Lending, BECU, Seattle, WA
Mary Byrne, General Manager, Bruce Titus Olympia Chrysler Jeep, Olympia, WA
Moderator: Dr. Neil Goldman, Sr. Partner, Goldman Consulting & Strategy (GCS). Inc., Del Aire, CA

A panel of top dealer principals engages in a question and answer session. The panel will address a variety of issues, including keys to successful relationships with credit unions, as well as the latest trends, hot topics, and issues facing the automotive industry.

 

3:00 - 4:00 p.m.

Growing Your Credit Card Portfolio

Michelle Shoop, Director, Cornerstone Advisors. Scottsdale, AZ
Fredda McDonald, Managing Partner, Lyndian Management Constulting, St. Petersburg, FL
Moderator: Eric Givens, Sr. Director Digital Banking, Arizona FCU, Phoenix, AZ

A panel of industry experts will provide tips to assist credit unions of all sizes to consider ways that they can acquire, activate and grow their card portfolios.

3:00 - 4:00 p.m.

Managing Large MBL Departments - Challenges and Opportunities

(session does not repeat)

Gary Sneed, SVP/CLO, Desert Schools FCU, Phoenix, AZ
John Pruitt, Director Business Services, Arizona State CU, Phoenix, AZ

As your MBL portfolio grows to larger size and scale, managing the various related issues will become more challenging as well. In this session we will discuss some of the most common issues unique to large MBL departments, including Portfolio Management, Sales, Strategy, Staffing, Pricing, Deposit and other Ancillary Services, to help you meet the challenges and take advantage of the opportunities they present.

3:00 - 4:00 p.m.

Consumer Loan Growth & Compliance Pitfalls

Andrea Stritzke, Director Lending Compliance, CUNA Mutual Group, Madison, WI
Jon Bundy, Compliance Manager, Service Products, CUNA Mutual Group, Madison, WI

Loan growth is at the top of the list as a hot topic for most credit unions this year.  With all the hype, how can loan growth and lending regulations get along? During this exciting session, we will provide some real life examples of loan growth strategies and the resulting compliance pitfalls to watch out for including issues related to growing loans through prescreened offers and applied technology. You’ll walk away with a better understanding of how compliance considerations can actually work alongside a growing consumer loan program.

4:00 - 4:15 p.m.

Pass Time to Awards Celebration

4:15 p.m. - 5:15 p.m.

AWARDS CELEBRATION

Join us for our awards celebration and find out who is taking home the Excellence in Lending Awards. The presentation of the Phil Greer Lifetime Achievement Award to the 2015 recipient will also take place at our awards ceremony.

5:15 p.m. - 6:15 p.m.

COCKTAIL RECEPTION

Before you venture to dinner this evening, join us for a cocktail reception to celebrate all of our award winners.

Evening

On Your Own

Time
Session
 
8:00 - 10:45 a.m.

WELCOME CENTER

Conference Registration
Sponsor Displays
Internet Café

8:00 - 8:45 a.m.

BREAKFAST

8:45 - 9:45 a.m.

GENERAL SESSION: Winning the Sales Culture Development War

Brett Christensen, Owner, CU Lending Advice, Euless, TX

The intensely competitive financial services industry will force every credit union to move towards a more effective sales culture.  You can be sure there is no magic pill to turn your credit union into a sales organization.  In this session you will learn the sometimes-difficult steps that must be taken in order to become a better sales organization.

9:45 - 10:00 a.m.

BREAK

10:00 - 11:00 a.m.

CLOSING GENERAL SESSION: It's Our Ship - Putting the Leadership Roadmap to Work

Mike Abrashoff, Former Commander of USS Benfold and Author of It's Your Ship

For organizations that want to get serious about improving performance, this presentation delivers examples of the Leadership Roadmap in action. Abrashoff brings to life stories of how the principles that led the transformation of the USS Benfold have been put into action at companies and organizations looking to harness the power of their most important asset – their people. He shows real leaders achieving dramatic results as they work to address their most pressing people challenges: collaboration, commitment, cohesion, accountability, engagement, rapid and continual innovation and diversity in the workforce. In example after example, the lessons from the Benfold clearly translate across all kinds of organizations – corporations, small business, non-profits and government. Abrashoff shows audiences, by example, how to use their new leadership toolkit. It's Our Ship goes deep into the how-tos of creating a culture where everyone takes ownership and responsibility for taking performance to the next level.

11:00 a.m.

Final Comments and Closing