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22nd Annual CUNA Lending Council Conference

Cosmopolitan Hotel | Las Vegas | October 30 – November 2, 2016

Agenda

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Time
Session
 
7:00 a.m. – Noon

VOLUNTEER OPPORTUNITY (continental breakfast included)

Sponsored by FactorTrust | The Alternative Credit Bureau

The CUNA Lending Council proudly features a Volunteer Event at the start of our annual conference.  In 2016, we are partnering with the Leukemia and Lymphoma Society’s Southern Nevada Chapter in Las Vegas. The LLS is hosting their annual fundraiser, Light the Night Walk, a few days after our conference. The Light the Night Walk celebrates and commemorates lives touched by cancer and funds therapies and treatment advances to help save blood cancer patients’ lives. Approximately every 3 minutes one person in the United States (US) is diagnosed with a blood cancer.  New cases of leukemia, lymphoma and myeloma are expected to account for 10.2 percent of the estimated 1,685,210 new cancer cases diagnosed in the US in 2016.   Our efforts will help the LLS team with preparations for the more than 5,000 walkers including t-shirt inventory, sorting and lantern assembly, battery installation and testing.   

The Member Resources Committee hopes to engage 10% of our conference attendees in our Volunteer Event.  Join us as we demonstrate the credit union value of people helping people and give back to our host city! Breakfast and transportation to and from the event are provided.

10:00 a.m.– 7:00 p.m.

CONFERENCE REGISTRATION

Sponsored by Manheim

Refreshments during Registration
 

3:15 – 4:00 p.m.

FIRST TIME ATTENDEE ORIENTATION

Sponsored by DGU Insurance Associates, LLC

4:15 p.m.

CONFERENCE WELCOME

Denise Gabel, COO, Northwest CU Association, Sea Tac, WA

4:30 – 5:30 p.m.

KEYNOTE ADDRESS – Crossing the Generational Divide: Unlocking the Power of Generations to Grow Your Business

Sponsored by TransUnion, LLC

Jason Dorsey, Chief Strategy Officer, The Center for Generational Kinectics, Austin, TX

We work in a time of unprecedented generational challenge and change. Four generations in the workforce. Five generations in the marketplace. And making matters worse, there is a tremendous amount of misinformation around generational differences. What we know for a fact: Strategies that work for one generation can be a complete turn-off for others. This generational divide makes your job more difficult and more important than ever.

In this provocative presentation, bestselling author Jason Dorsey exposes new generational truths that directly impact leaders like you. Jason shares surprising data, firsthand stories, and step-by-step actions. You can rely on these actions to drive communication, engagement, recruiting, and more.

Arrive early because you want to hear why Gen Y doesn’t like vowels and the one tool Baby Boomers never leave home without. You’ll also instantly discover why Jason Dorsey has earned 1,000 standing ovations and been featured on 60 Minutes, 20/20, and The Today Show.

5:30 – 7:00 p.m.

WELCOME RECEPTION – Meet your Sponsors

Sponsored by CUNA Mutual Group

Time
Session
 
7:30 a.m. – 4:45 p.m.

WELCOME CENTER

Conference Registration
Sponsor Displays
Internet Café – Sponsored by D+H, IMM and Member First Mortgage

7:30 – 8:30 a.m.

BREAKFAST – Visit with Sponsors

Sponsored by Coastal Securities, Inc.

8:30 – 9:15 a.m.

CONFERENCE ANNOUNCEMENTS/GENERAL SESSION – Bringing Our Theme to Life

Sponsored by LPC Services, Inc.

Denise Gabel, COO, Northwest CU Association, Sea Tac, WA

Are you up for a challenge?  Denise wants to challenge each conference attendee to determine how they will use what they learn and find things to take back to their organizations.  How will you Step Up and be personally impacted?  Join us for this insightful conversation.

9:15 – 9:30 a.m.

PASS TIME TO BREAKOUT SESSIONS

9:30 – 10:30 a.m.

Serving the Business Member: Going Beyond Commercial Real Estate (session does not repeat)

Sponsored by Visible Equity®

John Pruitt, Director Business Services, OneAZ CU, Phoenix, AZ

Opportunities broaden as we move to principle-based regulation, enabling credit unions greater latitude to make decisions about how best to meet their member business needs. New and enhanced member business loan programs will evolve to better meet their members’ needs and their own strategic goals. In this session we will discuss strategies, resources, and successful best practices for implementation.

 

 

9:30 – 10:30 a.m.

The Do-It-Yourself Consumer Loan Origination System (session repeats)

Sponsored by Credit Union Leasing of America™ (CULA™)

Mike London, SVP Lending, Georgia United CU, Duluth, GA
Jeremy Pinard, VP Consumer Lending, Alliant CU, Chicago, IL

Consumer loan origination systems are always a hot topic among lending leaders. Should credit unions buy, build, or use a hybrid approach to implementing a new CLOS?  In this session, hear from two credit unions who chose the road less traveled and decided to build their own! The session will discuss project management best practices, vendor partnerships, user experience and user interface design approaches, common mistakes to avoid, and implementation results.

 

9:30 – 10:30 a.m.

Decision Engine Optimization (session repeats)

Danielle Bridges, VP Consumer Lending, Vantage West CU, Tucson, AZ
John Listak, Lending Systems Project Manager, Alliant CU, Chicago, IL
Cary Shumway, VP Lending, Arizona FCU, Phoenix, AZ
Moderator: Melton Knight, Senior Business Consultant, Experian Decision Analytics, Atlanta, GA


This session is designed to provide thoughtful insight as to the approach to changes that can be made to automated decision engine settings, in order to increase efficiency while maintaining risk tolerance.  Three credit unions with different origination systems will also discuss specific settings that have increased automated decision engine percentages for their membership base.

9:30 – 10:30 a.m.

The Changing Landscape of Card Payments (session does not repeat)

Sponsored by Auto Exam, Inc.

James Guild, Managing Partner, CU Engage, St. Petersburg, FL

It has never been more important to understand your options in providing a relevant Credit Card product. Your current and potential members are being bombarded by both traditional and new entrants in the market which makes it imperative that you consider all your options as you balance Member Experience, Operational Efficiencies and relevant ROIs. Topics such as Processing options, Channel Integration, Loyalty and engaging your partners and vendors will be covered.

10:30 – 11:00 a.m.

NETWORKING BREAK - Visit with Sponsors

Sponsored by Evans, Simpson & Associates, Inc.

11:00 – 11:15 a.m.

PASS TIME to BREAKOUT SESSIONS

11:15 a.m. – 12:15 p.m

MBL Participations: How to Develop a Sound Program for Buying and Selling (session does not repeat)

Larry Middleman, CEO, CU Business Group, Portland, OR

Credit unions are seeing large commercial lending opportunities today, many of which require participation with other credit unions.  Plus, the new NCUA MBL regulations allow participations to be booked outside the MBL cap.  Hear more about this great opportunity and learn what it takes to put together an efficient and well-controlled business loan participation program.

11:15 a.m. – 12:15 p.m.

The Do-It-Yourself Consumer Loan Origination System

Mike London, SVP Lending, Georgia United CU, Duluth, GA
Jeremy Pinard, VP Consumer Lending, Alliant CU, Chicago, IL

Consumer loan origination systems are always a hot topic among lending leaders. Should credit unions buy, build, or use a hybrid approach to implementing a new CLOS?  In this session, hear from two credit unions who chose the road less traveled and decided to build their own! The session will discuss project management best practices, vendor partnerships, user experience and user interface design approaches, common mistakes to avoid, and implementation results.

11:15 a.m. – 12:15 p.m.

Decision Engine Optimization

Danielle Bridges, VP Consumer Lending, Vantage West CU, Tucson, AZ
John Listak, Lending Systems Project Manager, Alliant CU, Chicago, IL
Cary Shumway, VP Lending, Arizona FCU, Phoenix, AZ
Moderator: Melton Knight, Senior Business Consultant, Experian Decision Analytics, Atlanta, GA


This session is designed to provide thoughtful insight as to the approach to changes that can be made to automated decision engine settings, in order to increase efficiency while maintaining risk tolerance.  Three credit unions with different origination systems will also discuss specific settings that have increased automated decision engine percentages for their membership base.

11:15 a.m. – 12:15 p.m.

Pumping Up Your Secondary Marketing Income (session does not repeat)

Nathan Hagen, President, Secondary Marketing Resources, Inc., Wellesley, MA

If you are selling loans, your credit union could be leaving money on the table.  Come to this session to explore ways to improve your execution on the secondary market when selling loans to Freddie Mac, Fannie Mae or the Federal Home Loan Bank.  Whether you are a new seller or have been actively selling loans for years, this session will provide your credit union with ways to pump up your secondary market income.

12:15 – 1:30 p.m.

MEMBERSHIP LUNCHEON (open to all attendees and sponsors)

1:30 – 1:45 p.m.

PASS TIME TO BREAKOUT SESSIONS

1:45 – 2:45 p.m.

Managing a Business and Commercial Relationship Loan Portfolio: How to do it Right (session does not repeat)

Chuck Anderson, Business Services Consultant, Lincoln, CA

I experienced firsthand that feeling of realizing you have created a larger, and growing MBL loan portfolio, only to be concerned with managing it. As a credit union consultant, I have also seen a number of clients who realized they didn’t have their MBL portfolio under control. Come and learn some time proven processes to put you back in a place of assurance and confidence.

1:45 – 2:45 p.m.

Creating and Executing a Lending Strategy (session does not repeat)

Joe Brancucci, President, CU Rate Reset, Tampa, FL – Joe's Presentation
Keith Reynolds, SVP Lending, CEFCU, Peoria, IL – Keith's Presentation


Discuss loan strategies and journey mapping and how to implement long term solutions in the consumer lending department.

 

1:45 – 2:45 p.m.

What’s New in Mortgage Lending Compliance? (session repeats)

Michael Christians, CUCE, Senior Federal Compliance Counsel, Credit Union National Association, Washington, DC

This breakout session will discuss the latest developments in the world of mortgage lending compliance. In this session, we’ll help you and your credit union prepare for the following:

  • Upcoming changes to the Home Mortgage Disclosure Act
  • Upcoming changes to the mortgage servicing rules
  • Other mortgage lending hot topics, including: Regulation Z threshold adjustments, changes to the definition of small creditor, and more!
1:45 – 2:45 p.m.

Managing an MBL Program: In-house or CUSO? (session does not repeat)

Dale Frankhouse, Business Services Director, Sun FCU, Maumee, OH – Dale Frankhouse Presentation
Tom Ries, Director Member Business Service, Firefly CU, Burnsville, MN –  Tom Ries Presentation


Join us in this session as Dale and Tom lead you through the ins and outs of starting a new MBL department. Should you do it all in-house or use a CUSO?

2:45 – 3:15 p.m.

NETWORKING BREAK - Visit with Sponsors

3:15 – 3:30 p.m.

PASS TIME TO BREAKOUT SESSIONS

3:30 – 4:30 p.m.

Building a Successful Business Service Team through Channel Development and Collaboration (session does not repeat)

Jim Hanson, Principal Consultant, JDH Consulting, LLC, Tucson, AZ
Gary Sneed, SVP/CLO, Desert Schools CU, Phoenix, AZ


Join us for this session and learn how to leverage other parts of your credit union and branches to build a successful business services strategy.

3:30 – 4:30 p.m.

Lending Models to Serve the Next Generation (session does not repeat)

Lindsey Benson, Loan Officer, Soo Co-op CU, Sault Ste. Marie, MI
JT Blau, VP Risk Management, Call FCU, Richmond, VA
Brad Hayse, Manager Remote Services Lending, ORNL FCU, Oak Ridge, TN
Christie Vranich, Manager Member Lending Solutions, BECU, Seattle, WA
Moderator: James Marshall, Cooperative Trust Manager, Filene Institute, Madison, WI


This is a great opportunity to connect with millennials and understand what has shaped them, their expectations, and how to better tailor your sales and education efforts with this key demographic

3:30 – 4:30 p.m.

What’s New in Mortgage Lending Compliance?

Michael Christians, CUCE, Senior Federal Compliance Counsel, Credit Union National Association, Washington, DC

This breakout session will discuss the latest developments in the world of mortgage lending compliance. In this session, we’ll help you and your credit union prepare for the following:

  • Upcoming changes to the Home Mortgage Disclosure Act
  • Upcoming changes to the mortgage servicing rules
  • Other mortgage lending hot topics, including: Regulation Z threshold adjustments, changes to the definition of small creditor, and more!
3:30 – 4:30 p.m.

Digital Lending 2.0 (session does not repeat)

Jeff Miller, VP Operations, Directors Mortgage / USA Direct Funding, Lake Oswego, OR

Digitally Enhanced Lending meant having an online application just a few years ago. But today, cutting edge integrations with top consumer data aggregators allow for even more “wow” for your members. Learn about the latest enhancements to online consumer and mortgage lending in this session.

 

4:45 – 5:30 p.m.

AWARDS PRESENTATION

Sponsored by CUNA Mutual Group

5:30 – 6:30 p.m.

AWARDS CELEBRATION RECEPTION

Sponsored by CUNA Mutual Group

Time
Session
 
7:30 a.m. – 4:00 p.m.

WELCOME CENTER

Conference Registration
Sponsor Displays
Internet Café

7:30 – 8:15 a.m.

BREAKFAST – Visit with Sponsors

8:15 – 9:00 a.m.

HOUSEKEEPING ANNOUNCEMENTS and Wrap up of Day 1

Denise Gabel, COO, Northwest CU Association, Sea Tac, WA

9:15 – 9:30 a.m.

PASS TIME TO SESSIONS

9:30 a.m. – 12:30 p.m.

ROUNDTABLE SESSION – Member Business Lending

Moderator: Bob Stowell, SVP/Chief Strategy Officer, Firefly CU, Burnsville, MN

A three-hour journey exploring topics of interest in Member Business Lending.  The first hour will be a general group discussion on multiple topics led by Bob Stowell.  Hour two will be a conversation between Bob Stowell of Firefly credit union and Jerry Bonk, NCUA Examiner discussing the implications of the rule changes from prescriptive to principled.  There will be an opportunity for questions from the floor.  Hour three will be a number of table topics led by your industry peers, similar to last year where you can choose the topic of your choice to participate in the discussion.

 

9:30 a.m. – 12:30 p.m.

ROUNDTABLE SESSION – Consumer Lending

Moderator: Gayle Gustafson, VP Lending, Rivermark Community CU, Beaverton, OR

This is a perfect opportunity to connect with a large community of your peers to learn from each other and hear real life examples of consumer loan successes & failures, ideas, and issues.  We’ll address topics such as auto lending, credit card best practices, collections, decision automation, and student lending.

9:30 a.m. – 12:30 p.m.

ROUNDTABLE SESSION – Mortgage Lending

Moderator: Mike London, SVP Lending, Georgia United CU, Duluth, GA

Join your credit union peers in an open discussion about today’s most important mortgage lending topics! This three hour mortgage-focused session will include:

  • A best-practices sharing group discussion about attracting, training, compensating, and retaining Mortgage Loan Originators,
  • A conversation about life after TRID with Amy Moser of Mountain American Credit Union, and
  • A presentation on paperless and mobile mortgages from Quicken Loan’s Vice President, Dave Schroeder.
10:45 – 11:15 a.m.

NETWORKING BREAK - Visit with Sponsors

11:15 a.m. – 12:30 p.m.

ROUNDTABLE SESSIONS - continue

12:30 – 1:30 p.m.

NETWORKING LUNCH

Join us for some peer-to-peer networking time plus an added bonus!  Jason Osterhage, our outgoing CLC Chair will share his thoughts and reflections in a fireside chat with our emcee, Denise Gabel.

1:30 – 1:45 p.m.

PASS TIME TO BREAKOUT SESSIONS

1:45 – 2:45 p.m.

Millennials, Money and Markets: Credit Union Opportunities to Win This Segment (session repeats)

Sponsored by Sallie Mae

Hope Schau, Associate Dean, Eller MBA Programs, University of Arizona, Eller College of Management, Phoenix, AZ

Millennials (aged 19-35 in 2015) now number 75.4 million, becoming the largest living generation, surpassing the 74.9 million Baby Boomers (aged 52-70). To date Millennials, as a generation, move through lifecycles and participate in markets differently than prior generations. For example, Millennials have delayed establishing households, marriage, procreation, and home ownership in comparison to the three previous generations (Silents, Baby Boomers, Xers). They have record low loyalty to their employers and embrace access markets and crowdsourcing common in pre-Industrial eras. As Millennials enter adulthood and prime earning and spending years, they comprise the next potential heavy users of financial services and instruments. This session provides credit unions with a better understanding of Millennials’ perceptions of personal finances (specifically debt), financial services (focusing on loans), financial instruments and financial institutions (banks versus credit unions).

1:45 – 2:45 p.m.

Lending Hot Topics from an Examiner Perspective (session repeats)

Jerry Bonk, Regional Lending Specialist, NCUA, Austin, TX

The session will focus on lending hot topics related to consumer, mortgage, and business lending. The emphasis will be on the key issues examiners are seeing in each type as part of the examination process.

1:45 – 2:45 p.m.

Standing Out in Your Field: What Farmers and Credit Union Lenders Have in Common (session repeats)

Michael Cochrum, Executive Lending Advisor, CU Direct, Ontario, CA

In this session, Michael will highlight ways in which credit unions will need to embrace technology and industry best practices to survive the emerging lending landscape.  As the American Farmer has transitioned over many decades of consolidation, market changes and advancements in technology, today’s credit union will need to address similar changes with improved lending practices and portfolio management techniques to survive the next ten years as consumer expectations shift dramatically.  Attendees who attend this session will walk away with some effective tools that will enable them to stand out in their field.

1:45 – 2:45 p.m.

Innovative Mortgage Products; Standing Out in a Vanilla World (session repeats)

Dale Turner, EVP Real Estate, San Diego County CU, San Diego, CA
Kim Yarnelli, VP Member Home Loan Alliance, GTE Financial, Tampa, FL


Mortgage lending is back!! As the economy continues to improve having innovative mortgage products and solutions are essential to stand out in a vanilla world. How will you think outside the box? Come listen to your credit union peers on how they built successful mortgage programs with new and innovative mortgage products.

 

2:45 – 3:15 p.m.

NETWORKING BREAK – Sponsor prize drawings

3:15 – 3:30 p.m.

PASS TIME TO BREAKOUT SESSIONS

3:30 – 4:30 p.m.

Millennials, Money and Markets: Credit Union Opportunities to Win This Segment

Sponsored by Sallie Mae

Hope Schau, Associate Dean, Eller MBA Programs, University of Arizona, Eller College of Management, Phoenix, AZ

Millennials (aged 19-35 in 2015) now number 75.4 million, becoming the largest living generation, surpassing the 74.9 million Baby Boomers (aged 52-70). To date Millennials, as a generation, move through lifecycles and participate in markets differently than prior generations. For example, Millennials have delayed establishing households, marriage, procreation, and home ownership in comparison to the three previous generations (Silents, Baby Boomers, Xers). They have record low loyalty to their employers and embrace access markets and crowdsourcing common in pre-Industrial eras. As Millennials enter adulthood and prime earning and spending years, they comprise the next potential heavy users of financial services and instruments. This session provides credit unions with a better understanding of Millennials’ perceptions of personal finances (specifically debt), financial services (focusing on loans), financial instruments and financial institutions (banks versus credit unions).

3:30 – 4:30 p.m.

Lending Hot Topics from an Examiner Perspective

Jerry Bonk, Regional Lending Specialist, NCUA, Austin, TX

The session will focus on lending hot topics related to consumer, mortgage, and business lending. The emphasis will be on the key issues examiners are seeing in each type as part of the examination process.

3:30 – 4:30 p.m.

Standing Out in Your Field: What Farmers and Credit Union Lenders Have in Common

Michael Cochrum, Executive Lending Advisor, CU Direct, Ontario, CA

In this session, Michael will highlight ways in which credit unions will need to embrace technology and industry best practices to survive the emerging lending landscape.  As the American Farmer has transitioned over many decades of consolidation, market changes and advancements in technology, today’s credit union will need to address similar changes with improved lending practices and portfolio management techniques to survive the next ten years as consumer expectations shift dramatically.  Attendees who attend this session will walk away with some effective tools that will enable them to stand out in their field.

3:30 – 4:30 p.m.

Innovative Mortgage Products; Standing Out in a Vanilla World

Dale Turner, EVP Real Estate, San Diego County CU, San Diego, CA
Kim Yarnelli, VP Member Home Loan Alliance, GTE Financial, Tampa, FL


Mortgage lending is back!! As the economy continues to improve having innovative mortgage products and solutions are essential to stand out in a vanilla world. How will you think outside the box? Come listen to your credit union peers on how they built successful mortgage programs with new and innovative mortgage products.

 

5:30 – 7:30 p.m.

SOCIAL EVENT – Step Up & Stand Out

Join us for an evening of fun – Vegas style!  We’ll have abundant food and beverages along with entertainment.  Random “chip” drawings will also take place during the evening.  It promises to be enjoyable for all. And, we will leave plenty of time for you to check out the nightlife of Las Vegas.  Guests may join you at this event at no charge.

Time
Session
 
7:30 – 8:30 a.m.

BREAKFAST

8:30 – 9:30 a.m.

GENERAL SESSION – The Economic Forecast

Elliott Eisenberg, Ph. D, Acclaimed Economic Expert & Former Senior Economist at the National Association of Home Builders

In this entertaining and informative presentation on the economy, Dr. Eisenberg begins with a fun and fast moving “top 10 list” prior to outlining his predictions on a host of economic variables that will impact the economy this year (with no sugar coating), including GDP growth, interest rates and household savings rates.

 

9:30 – 9:45 a.m.

BREAK

9:45 – 10:45 a.m.

CLOSING GENERAL SESSION – Leadership: The Royal Way

Richard Lett, CEO, LeClair Group, St. Paul, MN

Drawing on his experience leading Royalty Protection Operations, major national events, solo Trans – Atlantic sailing and as CEO of a national insurance brokerage; Richard shares thoughts on risk management, responsibility, decision making and being prepared for all eventualities. Richard’s lessons, whilst important, include humor and a view of the world from someone who has been on the inside of world events for many years”.

 

10:45 a.m.

Final Comments/Closing

Denise Gabel, COO, Northwest CU Association, Sea Tac, WA