8:00 – 10:00 a.m. - Giveback/Volunteer Event

Location: Crest 3-5

Come join our compassionate initiative in collaboration with Ent Credit Union, as we extend a helping hand to the young patients at Children's Colorado Hospital. We're dedicated to crafting fleece blankets that bring solace and warmth to these brave kids throughout their hospital stay. Crafting these hand-tied blankets is both easy and rewarding, with no sewing required. These blankets offer children the empowerment of choice during a challenging time when personal decisions are limited.

Our goal is ambitious—to craft 300 blankets during this meaningful giveback session, aiding the hospital's continuous need for comfort items. All necessary supplies will be provided for you. Additionally, our Lending Council is participating in "Project Snow Pile," a toy fundraiser to further support the Children’s Colorado Hospital. Here are three additional easy and quick ways to help support Children’s Hospital Colorado if you can’t make the giveback event:

1. Purchase an item (or two) from Amazon Wish List for Project Snow Pile and it will be send directly to the hospital. (note the wish list states 2022 but it is for 2023)
2. Purchase and item (or two) from Target Wish List for Project Snow Pile and it will be sent directly to the hospital. (note the wish list states 2022 but it is for 2023)
3. Send a donation directly to the Children’s Hospital Colorado. 

10:00 a.m. – 7:00 p.m. - Conference Registration

Sponsored by Zest AI

Location: Aurora Ballroom Foyer

11:00 a.m. – 2:00 p.m. - Pre-Conference Workshop - The Art of Self Leadership (seperate fee required)

Sponsored by Eltropy

Speakers
- Nicole Brusewitz, Founder, Maven Leadership
- Sarah Horten, Chief Lending Officer, Kirtland Credit Union
Location: Summit 2-3

Discover the attributes of exceptional leadership within yourself with "The Art of Self Leadership" workshop. While leading others is vital, true leadership begins with leading oneself. In this engaging session, participants will delve into the core principles of self-leadership: Self-Knowledge, where they'll gain clarity about their leadership identify and brand; Self-Management, equipping oneself with practical strategies for time, energy and change management; Self-Development, cultivating a growth mindset; and Intentional Action, enabling oneself to set meaningful goals and overcome obstacles. Join us for this interactive and impactful workshop, designed for emerging to executive leaders seeking personal transformation and heightened professional impact.

2:00 – 3:30 p.m. - Executive Leadership Exchange

Open to credit union lending leaders.

Speakers
- Brad Barnes, CFO, Air Academy Credit Union
- Rob Craig, General Manager - Portfolio Analytics, nCino
- Amy Phillips, Chief Financial Officer, On Tap CU

Location: Summit 4-5

Executive Leadership Exchange is a dynamic session of lending executives that will exchange attendee-generated ideas and discuss relevant topics that are “top of mind” for the remainder of 2023 and into 2024.  In addition to discussing relevant lending topics, we will have a highly experienced, and diverse, panel to discuss CECL from the lending, analytics, and CFO perspectives.  You know how those CFOs love to live in spreadsheets!

3:30 – 4:15 p.m. - First Time Orientation

Sponsored by Abrigo

Location: Crest 3-5

Members of CUNA Lending Council and the Executive Committee are proud to welcome First Time Attendees to the 2023 CUNA Lending Council Annual Conference.  The First Time Attendee event helps First Time Attendees understand how to get the most out of the conference but also how to make lasting connections with other lending council members that will last a lifetime!  First-time attendees will be exposed to many networking opportunities throughout the conference so that meaningful connections with both council members and vendors alike will help propel Credit Unions successfully into the future.

4:30 – 5:45 p.m. - Annoucements + Opening General Session

Sponsored by Transunion

Speaker: Chad Williams, Former Navy Seal, Author
Location: Aurora Ballroom B-D

On a final operation in the Al Anbar Province of Iraq, with the objective of capturing a deadly suicide-bomb manufacturer, members of SEAL Team 7 found themselves being set-up on a premeditated ambush. In SEVEN, Former Navy SEAL Chad Williams recounts the harrowing details of that ominous event, while communicating the seven SEAL Team maxims that ultimately led he and his Team to overcoming a hail of bullets in the worst of circumstances, and against all odds achieving mission success. Sharing the seven SEAL maxims in a relatable way, Chad demonstrates how these battletested truths translate to the battlefield of doing business. 

• AIM SMALL MISS SMALL (Goal Setting)
• COMMON MAN WITH UNCOMMON DESIRE TO SUCCEED (Heart/Desire) 
• HUMBLY I SERVE (Servant Leadership) 
• FORGED BY ADVERSITY (Overcoming Obstacles/Resilience) 
• EARN YOUR TRIDENT EVERYDAY (Innovation, Progression)
• CONTROL EMOTIONS AND ACTIONS REGARDLESS OF CIRCUMSTANCES (Composure)
• THE ULTIMATE MOTIVATION DISCOVERED INSIDE A HAT (The Fuel of Motives)

5:45 – 7:30 p.m. - Welcome Reception

Contributing Sponsor The Savings Group

Location: Aurora Ballroom A

7:00 a.m. – 3:30 p.m. - Conference Registration

Location: Aurora Ballroom Foyer

7:00 a.m. – 3:30 p.m. - Welcome Center/Exhibit Hall

Location: Aurora Ballroom A

7:00 – 7:45 a.m. - Breakfast

Co-Sponsored by FHN Financial and Upgrade Inc.

Location: Aurora Ballroom A

8:00 – 9:30 a.m. - Announcements + General Session

Sponsored by Experian
Beverage Station Sponsored by ACES Quality Management

Location: Aurora Ballroom B-D

The State of U.S. Housing Economy

Speaker: Logan Mohtashami, Lead Analyst, HousingWire

Using the latest housing data and market metrics, HousingWire’s lead analyst, Logan Mohtashami, will share his insights on the current state of the housing industry and his projections for the next six to twelve months. With a data-driven perspective supported by historical context and projections, Mohtashami will delve into the impact of economic conditions, mortgage rates and government policies. Mohtashami's wealth of expertise and insights into the dynamic world of housing and real estate will leave attendees better-informed and ready to tackle the current market.

9:30 – 9:45 a.m. - Pass Time

9:45 – 10:45 a.m. - 5 Concurrent Breakouts

Commercial Loan Structuring - Managing Risk at Origination (Commercial Focus)

Sponsored by CU Strategic Services

Speaker: Crystal Dowd, Chief Credit Officer, CU Strategic Services, LLC
Location: Summit 2-3

In this session, we will discuss the many different ways to structure commercial loans which will help your CU to manage risk from loan inception. Learn how the usage of loan covenants and different terms can help you to create a sound loan portfolio.

Practical Ways to Develop Potential Leaders (Consumer Focus)

Sponsored by CU Healthcare Paycard

Speaker: Deedee Myers, CEO, DDJ Myers
Location: Summit 6-7

The greatest fear of many industry executives is the lack of bench strength within their organizations, especially at the mid-manager level. In this session, Deedee Myers, PhD will explore why this is an issue and share what we can do to change the paradigm. She’ll discuss what research is telling us about connection and engagement across the organization, how equipped today’s leaders are to stimulate and execute compelling learning and development plans, and what steps current leaders can take to develop effective succession plans and enhance organizational sustainability.

Key Takeaways:

• Assess whether the current organization structure is supporting the needs of employee
• Understand how to implement a leadership development program
• Identify potential leaders within your organization
• Develop an effective succession plan

Designing, Implementing, and Growing a Business Banking Program (Commercial Focus)

Sponsored by Creatio

Speaker: Kevin Shaner, Managing Director, Loan Transaction Network, ALM First
Location: Summit 4-5

This session offers attendees a deep dive into innovative strategies and best practices for program development and growth. Participants will explore key topics such as market research and customer segmentation, risk management, marketing, products and performance metrics. Through interactive discussions, and expert insights, attendees will gain actionable takeaways to enhance their business banking programs and stay competitive in a rapidly evolving financial landscape. This session aims to empower credit union professionals with the knowledge and tools needed to develop successful and member-centric business banking initiatives.

Technologies that can Future Proof Your CU (Consumer Focus)

Sponsored by Homebot

Speaker: Amanda Roth, Director, Data and Decisioning Expert, Experian
Location: Summit 8-9

Amid economic uncertainty, global pandemics and changing member expectations, the way to stay in the game is to invest in digital technologies, automated decisioning and AI and machine learning-powered models and strategies. Learn how credit unions are leveraging these innovations to provide a better member experience, make faster credit decisions, reduce risk and lend more inclusively. You’ll come away with clarity, peer case studies and actionable insights that you can implement in your own credit union.

Mortgage Roundtable (Mortgage Focus)

Sponsored by CoStar

Speaker: Peter Benjamin, President, American Credit Union Mortgage Association
Location: Crest 3-5

Join a robust roundtable discussion with peer credit union leaders to discuss hot mortgage topics in today’s environment. This session will be facilitated by the President of ACUMA, Peter Benjamin. The agenda is fluid and active participation is encouraged! Some topics we may explore include things like correspondent lending, the use of AI for mortgage lending, efficiency benchmarking (how do others measure capacity), building effective realtor referral sources, niche loan products, compliance concerns, and value of integrating a CRM with your LOS, just to name a few! This is an opportunity to share best practices and learn from other credit unions. We promise you will walk away with ideas worth exploring further when you get back home!

10:45 – 11:15 a.m. - Networking Break with Solution Providers

Sponsored by Caribou and Numerated

Location: Aurora Ballroom A

11:15 a.m. – 11:30 p.m. - Pass Time

11:30 a.m. – 12:30 p.m. - 5 Concurrent Breakouts

Commercial Lending Portfolio Management Hot Topics (Commercial Focus)

Sponsored by Scienaptic AI

Speaker: Jeff Forsgren, Chief Lending Officer, Members Trust FCU
Location: Summit 2-3

How do you properly manage your commercial lending portfolio to meet your CUs and NCUAs needs? This session covers topics such as risk rating creation, how to work within a changing environment, default management, periodic review/covenant testing best practices, reservation of rights, trending analysis and more.

The Why’s and How’s of Indirect Portfolio Management While Understanding Dealership Motive & Strategy (Consumer Focus)

Sponsored by Upstart

Speakers
- Josh Bisson, VP Lending & Collections, Fort Liberty Federal Credit Union
- John Warner, Director of Consumer Lending, Embold Credit Union
Location: Summit 6-7

Explore the world of indirect lending with credit union executives who have direct experience in the automotive industry. Come and discuss the why’s and how’s of portfolio and program management with insider knowledge from both industries.

Agile Departmental Management & Best Practices for Collections (session repeats 3:30-4:30 p.m.) (Collections Focus) 

Sponsored by Newbold Advisors

Speakers
- Megan Curtis, Vice President of Credit Risk, MSU Federal Credit Union
- Jay Mossman, Founder/CEO, AKUVO
Location: Summit 4-5

Join Megan Curtis, Vice President of Credit Risk at MSU Federal Credit Union, and Jay Mossman, AKUVO Founder and CEO, for an exciting session on Agile Collection Departmental Management. Learn effective strategies to manage your delinquent portfolio. Discover departmental management techniques using industry tools, tailored to diverse needs. Explore automation advancements like dialers, texting, AI and machine learning to streamline operations and enhance member interactions. Jay and Megan will guide you through optimizing queues and portfolio management for maximum results, covering various account types and specialty processes. Enhance your collection department's success by optimizing capacity and staffing, implementing performance metrics, and fostering a positive work environment. Gain practical takeaways to apply immediately. Don't miss this opportunity to learn from industry experts, Megan and Jay, and propel your collection team toward greater efficiency and success!

ITIN Lending – Helping Your Credit Union Reach Immigrant Communities (Consumer Focus)

Sponsored by Conductiv

Speakers
- Michael Hernandez, Consumer Lending Manager, Camino Federal Credit Union
- Steve Pagenstecher, Chief Innovation Officer, Point West Credit Union
- Bob Thompson, Chief Lending Officer, Eagle Community
Location: Summit 8-9

Broaden inclusion lending by expanding to underserved members of the community. We’ll sit down with a panel of credit union professionals who will share their journey. They’ll discuss building the business case, developing loan policies, pricing, operations, and compliance along with sharing community outreach tactics. You’ll learn about best practices and lessons learned.

Mortgage Roundtable continues (Mortgage Focus)

Sponsored by CoStar

Speaker: Peter Benjamin, President, American Credit Union Mortgage Association
Location: Crest 3-5

Join a robust roundtable discussion with peer credit union leaders to discuss hot mortgage topics in today’s environment. This session will be facilitated by the President of ACUMA, Peter Benjamin. The agenda is fluid and active participation is encouraged! Some topics we may explore include things like correspondent lending, the use of AI for mortgage lending, efficiency benchmarking (how do others measure capacity), building effective realtor referral sources, niche loan products, compliance concerns, and value of integrating a CRM with your LOS, just to name a few! This is an opportunity to share best practices and learn from other credit unions. We promise you will walk away with ideas worth exploring further when you get back home!

12:30 – 1:30 p.m. - Networking Luncheon

Sponsored by Allied Solutions and WithClutch

Location: Aurora Ballroom A

1:30 – 1:45 p.m. - Pass Time

1:45 – 2:45 p.m. - 5 Concurrent Breakouts

Building a Business and Commercial Participation Portfolio (Commercial Focus)

Sponsored by Memphis Capital

Speakers
- John Arnold, VP Business Services, AmeriCU Credit Union
- Jeff Forsgren, Chief Lending Officer, Members Trust FCU
- Susan Rice, SVP - Commercial Lending, Bellco Credit Union
- Jason Stiles, VP Loan Participations, SchoolsFirst FCU
Location: Summit 4-5

Learn the process to buy and sell business and commercial loan participations to help manage liquidity and yields by building a participation network and strengthening member relationships. Our panel will be providing various approaches as well as answering your specific questions through our open discussion format.

Construction / Rehab Lending (Mortgage Focus)

Sponsored by NFP

Speaker: Ed Rogers, Manager, Consumer Solutions/SME, Built Technologies
Location: Summit 6-7

High rates and a lack of available inventory is creating opportunities in construction/rehab lending.

• Utilizing government-backed rehab loan programs.
• Managing risks through the construction process.
• Funding guidelines.

Affordability Impacts to Portfolio Performance and Collections Best Practices (Collections Focus)

Sponsored by AKUVO

Speakers
- Brian Millar, Sr. Director Collections, BCU
- Danielle Parry-Hill, Director, TransUnion
Location: Summit 2-3

Prior to 2020, the consumer credit market experienced a decade of sustained growth and stability. Since 2020, however, consumers have experienced a global pandemic, unprecedented lender accommodations and government stimulus, a prolonged high inflationary environment and rapidly rising interest rates. These market dynamics have led to record high balances and renewed lender concerns about consumers’ ability to afford monthly obligations.  TransUnion and BCU will review recent market data, discuss best practices and operational recommendations for ongoing portfolio management, early stage delinquency and collections strategies.  Session attendees can expect to learn, understand and answer the following:

• Where (and with whom) are delinquencies rising, and where they are not?
• What is causing borrowers to go delinquent?
• Are there more challenges to come?
• How can lenders use predictive portfolio management tools to identify performance issues more proactively and less reactively?
• What are some best practices for an effective collections program in today’s environment?

What You Should Consider before Executing an LOS Agreement (session repeats 3:30 – 4:30 p.m.) (Mortgage Focus)

Sponsored by TruHome Solutions

Speakers
- Arleen Scavone, Principal, Newbold Advisors
- Will Vickers, Vice President, Industry Technology, Arch Mortgage Insurance
Location: Summit 8-9

Often, Lenders are swayed by marketing promises or vendor assurances but there is no replacement for a disciplined approach to scrutinizing one of the largest dollar and time investments your Credit Union will make.

This session will deliver a 6-step approach to selecting your next Loan Origination System:

1. Do you really need a new LOS/POS?
2. Current Mortgage Tech Provider Landscape
3. Best Practices for Selection
4. Prepping for Demos and Due Diligence
5. Considerations when Contracting
6. Implementation and the Importance of Stakeholder Involvement 

Consumer Roundtable (Consumer Focus)

Sponsored by MeridianLink

Speakers
- Sarah Horten, Chief Lending Officer, Kirtland Credit Union
- Dan Picard, SVP, Loan Operations, Hanscom Federal Credit Union
Location: Crest 3-5

Seize the opportunity to interact and network with your consumer lending peers. No topic is off the table in this session and audience participation is highly encouraged. Get answers to your burning questions, discover best practices, and share your experience or solutions with others. This session is also an excellent opportunity to expand your professional network! It is always a highly attended session; you won’t want to miss it.

2:45 – 3:15 p.m. - Networking Break with Solution Providers

Co-Sponsored by nCino and TruStage

Location: Aurora Ballroom A

3:15 – 3:30 p.m. - Pass Time

3:30 – 4:30 p.m. - 4 Concurrent Breakouts

Business Banking 101 (Commercial Focus)

Sponsored by JUDI.AI

Speaker: Scott Miller, Senior Business Banking Solutions Consultant, NCR Voyix
Location: Summit 4-5

This session will provide information for credit unions that have recently entered the world of business banking regarding deposit services or have plans to enter into this market. The intent is to provide your credit union with a roadmap to success with business banking.

Panel - LMI Mortgage (Mortgage Focus)

Sponsored by Constant

Speakers
- Ken Bauer, Chief Lending Officer, OneAZ Credit Union
- Ericka Gorman, SVP/CLO, Redstone Federal Credit Union
- Robert Padula, Vice President of Mortgage Lending, Empower Federal Credit Union
Location: Summit 6-7

Join three of your credit union counterparts to learn how they have successfully created and delivered exceptional mortgage products to the LMI market.

Agile Departmental Management & Best Practices for Collections (Collections Focus)

Sponsored by CARFAX Banking & Insurance Group

Speakers
- Megan Curtis, Vice President of Credit Risk, MSU Federal Credit Union
- Jay Mossman, Founder/CEO, AKUVO
Location: Summit 2-3

Join Megan Curtis, Vice President of Credit Risk at MSU Federal Credit Union, and Jay Mossman, AKUVO Founder and CEO, for an exciting session on Agile Collection Departmental Management. Learn effective strategies to manage your delinquent portfolio. Discover departmental management techniques using industry tools, tailored to diverse needs. Explore automation advancements like dialers, texting, AI and machine learning to streamline operations and enhance member interactions. Jay and Megan will guide you through optimizing queues and portfolio management for maximum results, covering various account types and specialty processes. Enhance your collection department's success by optimizing capacity and staffing, implementing performance metrics, and fostering a positive work environment. Gain practical takeaways to apply immediately. Don't miss this opportunity to learn from industry experts, Megan and Jay, and propel your collection team toward greater efficiency and success!

What You Should Consider before Executing an LOS Agreement (Mortgage Focus)

Sponsored by NCR Voyix

Speakers
- Arleen Scavone, Principal, Newbold Advisors
- Will Vickers, Vice President, Industry Technology, Arch Mortgage Insurance
Location: Summit 8-9

Often, Lenders are swayed by marketing promises or vendor assurances but there is no replacement for a disciplined approach to scrutinizing one of the largest dollar and time investments your Credit Union will make.

This session will deliver a 6-step approach to selecting your next Loan Origination System:

1. Do you really need a new LOS/POS?  
2. Current Mortgage Tech Provider Landscape
3. Best Practices for Selection
4. Prepping for Demos and Due Diligence
5. Considerations when Contracting
6. Implementation and the Importance of Stakeholder Involvement 

Consumer Roundtable continued (Consumer Focus)

Sponsored by MeridianLink

Speakers
- Sarah Horten, Chief Lending Officer, Kirtland Credit Union
- Dan Picard, SVP, Loan Operations, Hanscom Federal Credit Union
Location: Crest 3-5

We will continue our interactive journey through consumer lending. Join us for part two of the Consumer Roundtable. We’ll be sharing best practices, discussing challenges and solutions, and networking with consumer lending peers. 

6:00 – 9:00 p.m. - Social Event - FlyteCo® Tower

Contributing Sponsors AppOne; Coviance; Equifax; Evans, Simpson & Associates, Inc.; MeridianLink; Open Lending, LLC; RefiJet; Sallie Mae; SavvyMoney; and SWBC

Location: Buses leave from Aurora Ballroom Foyer

Experience a relaxed and enjoyable evening at the FlyteCo® Tower for a private offsite gathering. Indulge in a variety of food and drinks while having a great time! Explore beer tasting with a skilled brewmaster, engage in entertaining activities like bowling, golf bay simulators, axe throwing, and arcade games, all accompanied by a lively DJ. There will also be ample opportunities for networking.

Buses will leave from the Gaylord (outside of the Aurora Ballroom Foyer) starting at 5:45 PM and will run continuously throughout the evening with the last bus leaving FlyteCo® at 9:00 p.m.
Guest tickets are available for $199 each and guests must be 21 years or older to attend.

7:30 – 8:15 a.m. - Breakfast

Location: Aurora Ballroom A

8:30 – 9:45 a.m. - Announcements + General Session

Sponsored by Auto Exam/Vision Warranty Corporation
Beverage Station Co-Sponsored by InformedIQ and Tememos

Secrets of a Champion Mindset
Speaker: Molly Fletcher, CEO, Business Author and Former Sports Agent
Location: Aurora Ballroom B-D

Hailed as the “female Jerry Maguire” by CNN, Molly Fletcher inspires audiences to carve their own pathway to success and redefine how they do business.

How often do we equate success with talent? All the time. But success isn’t created by talent alone. Just like we might see immense talent squandered, we also see underdogs unexpectedly overachieve. As a top sports agent, Molly saw firsthand that talent might get you there, but it’s drive that keeps you there. The best athletes in the world can’t be complacent or someone will take their spot. But the real magic happens when they stop focusing on the competition against others and start competing against themselves. In that simple mindset shift, the drive to achieve is replaced by something more sustainable—the drive to get better. This keynote inspired by Molly’s viral TED Talk will motivate you to love the process, embrace the journey, and find joy in the everyday discipline.

9:45 – 10:00 a.m. - Break

Location: Aurora Ballroom B-D

10:00 – 11:15 a.m. - Closing Session - Today is Your Legacy: Turning Everyday Moments into a Lifetime of Leadership Excellence

Sponsored by Open Lending, LLC

Speaker: Kevin Brown, Motivational Speaker and Author
Location: Aurora Ballroom B-D

In his signature style Kevin Brown entertains and inspires listeners to reach beyond the ordinary and embrace the extraordinary.

Today Is Your Legacy picks up where The Hero Effect leaves off and teaches how heroes lead, live, and influence the world around them in powerful ways.

In this fast-paced session, Kevin shares new stories infused with humor, inspiration and self-reflection that elevates performance and results.

This program is designed to encourage and motivate participants by diving into how great leaders create a legacy by design and not by default.

Attendees will learn…

• The six legacy questions that define the ultimate influence of high-performance leaders.
• How to harness the circle called now to develop deep and meaningful relationships with the people around you.
• How to create a legacy of building people and a culture that stands the test of time.

To learn more and learn the three questions visit: https://kevinbrownspeaks.com/blog/today-is-your-legacy

11:15 a.m. - Conference concludes - See you next year!