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Schedule

Tuesday, November 3, 2020 - 10:00 – 11:00 AM CT

Sponsored by State National Companies

Vernice “FlyGirl” Armour, America’s First African American Female Combat Pilot

The bottom line is that we have to move into action from where we are! Unfortunately, many people become paralyzed in the preparation phase. Decide what you want, put your stake in the ground and execute! FlyGirl calls this making a commitment to the commitment. Give your organization the boost they need to come together as a team, understand how their objectives support the overall strategy and accomplish the mission, achieving the desired Breakthrough Results!

Give your attendees an invigorating perspective that reveals how to:

  • Burnout is real! Reignite the spark in your life professionally and personally!
  • Lead. Recognize and utilize the skills and talents of everyone around you
  • How to engage a 'Breakthrough Mentality'
  • Unleash your full potential no matter where you are personally starting from

Tuesday, November 3, 2020 - 11:00 – 11:15 AM CT

Sponsored by QRL Financial Services

Check out the amazing sponsors in the Solutions Marketplace. Don’t forget to “Scan Your Badge” when you arrive on their page.

Tuesday, November 3, 2020 - 11:15 AM – 12:15 PM CT

Leading Change: Execution in the COVID World of Consumer Lending
Sponsored by Auto Financial Group
Bernard Putz, Ph.D., VP Business Transformation, VP Learning & Organization Development, First Tech Federal CU

Leading people through every day change is a challenge – leading through a crisis is a skill! Learn how to instill a learning and growth mindset, and a robust, agile approach to enterprise change management.  This will allow you to effectively and efficiently engage all stakeholders.  Dr. Putz will share how to obtain stakeholder buy-in, inspire flawless execution, but most importantly, use empathy to lead teams through abrupt business changes. 

“Sacred Cows” in Mortgage Lending:  Where Do They Hide in Your Shop?
Brandy Phillips, VP Mortgage Lending, TDECU

Learn how TDECU reinvented their Mortgage Program by asking the right questions and challenging Sacred Cows!  Brandy Phillips, VP of Mortgage Lending at TDECU is excited to share details of their journey that led them to a significant reduction in turn time, a 36% increase in loan volume, and many other operational efficiencies.  She will share insight to help you identify Sacred Cows in your shop that add time and friction to the loan process, as well as pitfalls to avoid along the way.

Business Lending:  Managing the Portfolio We Have & Finding Good New Loans
Panel: Dexter De Mesa, VP, Strategic Initiatives, CU Business Group
Michael Dill, EVP Chief Lending Officer, Royal Credit Union
Jerry Mora, VP Business Banking, SCE FCU
Moderator: Ethan Nelson, VP Credit Administration, Oregon Community Credit Union

Preparing for 2021, now that our landscape has changed, what is next in Commercial Lending? Sit down with experts in our industry to discuss how they are adapting and preparing for the future.

The session will cover how to properly grow and manage a safe and sound commercial lending portfolio. We will discuss all aspects of commercial lending including, but not limited to origination, process, underwriting, reporting, and the overall administration. Last, we will also discuss current trends along with exploring different ways to find high quality opportunities.

Living in a COVID World – Winning Strategies to Help Reduce Loss
Sponsored by Allegro™ Lending Suite – Integrated Lending Technologies, LLC
Karin Brown Purtell, EVP Consulting, Lending Solutions Consulting

To say that we live in uncertain times would be a gross understatement.  However, one thing is for certain, that at least in the foreseeable future, Covid-19 is here to stay and we need to adapt to our new normal.

As we enter into what is historically the most difficult collection period, the upcoming months economic forecast is uncertain.  To be successful we need to take a forward-looking approach, monitoring trends and developing strategies that will help provide win-win solutions for our members.   The coronavirus has a lot of dark sides, even so, the current crisis provides an opportunity to reconnect and help our members weather this storm.

Karin Brown Purtell will discuss the latest economic impacts affecting our delinquency and loss results?  How to navigate what has become our new normal, and what strategies we can employ to reduce repossessions and losses?

Tuesday, November 3, 2020 - 12:15 – 1:30 PM CT

Take a quick snack break and make sure to visit all our solution providers in the Marketplace. Don’t forget to “Scan Your Badge” when you arrive on their page.

Tuesday, November 3, 2020 - 1:30 – 2:30 PM CT

Future of HELOC:  Opportunity vs. Risk
Scott Downing, Director, Credit Policy, BECU
Jeremy Pinard, VP Consumer Lending, Alliant CU
Christie Vranich, Manager, Lending Solutions, BECU - Moderator

HELOCs have taken another turn in 2020.  Hear how different Credit Unions have taken different approaches to HELOCs in this time of uncertainty. Are HELOCs a big risk and CU’s should be taking a conservative approach on LTV or even exiting the market completely?  OR is this a great opportunity to fill a void in the market as big lenders have exited? 

Operating in Mortgage Secondary Markets
Sponsored by Federal Home Loan Bank of Cincinnati
Russ Brady, Owner, Blue Loans

The advantage of selling loans on the secondary market, how to implement controls for effective pricing, and the benefits of hedging the mortgage pipeline for consistent gains.

Business Lending: Is it a Good Fit For Your CU? 
Jim Devine

This session will review the current fiscal status of the CU industry and discuss the key organizational design issues associated with a viable Business Lending/Business Financial Services program for a Credit Union. It will discuss key duties, functions, and responsibilities associated with the creation of a sound and sustainable Business Lending Program.

Managing a Collections Workforce in a Remote Environment
Sponsored by Raymond James
Panel:  Erin Ackerman, TruWest Credit Union, Xavier Carrillo, Unify Financial FCU, Dawn Rogers, Arizona Federal Credit Union.  Moderator:  Dan Picard, VP Consumer Lending & Collections, Hanscom Federal Credit Union

In this session, join fellow credit union collection executives in discussing the methods being used to manage their remote workforce environment.

Tuesday, November 3, 2020 - 2:30 – 2:45 PM CT

Engage in one more conversation with a solution provider in the Marketplace. Don’t forget to “Scan Your Badge” when you arrive on their page.

Tuesday, November 3, 2020 - 2:45 – 3:45 PM CT

Sponsored by Credit Union Student Choice

There’s no shortage of timely topics: Elections, Advocacy, New Challenges and Ongoing Concerns, Economic Environment, Competition, CU Awareness, Member Value – a whole host of ideas, issues and information.  Join CUNA’s CEO and the Lending Council Chairs in a casual but frank conversation.

Wednesday, November 4, 2020 - 10:00 – 11:00 AM CT

Sponsored by Transunion

Dan Picard, VP Consumer Lending & Collections, Hanscom Federal Credit Union
Jeremy Pinard, VP Consumer Lending, Alliant Credit Union

An excellent opportunity to hear from and share insights with consumer lending peers.  A variety of topics will be covered, and input will be solicited from attendees. What’s on your mind? Come prepared for an exciting consumer lending session on current practices and successful tactics. Attendees will gain ideas and solutions that can be used in their individual credit unions. 

Wednesday, November 4, 2020 - 11:00 – 11:30 AM CT

Sponsored by Credit Union Leasing of America (CULA)

Visit more than twenty solution providers and check out their products and services.  Don’t forget to “Scan Your Badge” when you arrive on their page.

Wednesday, November 4, 2020 - 11:30 AM – 12:30 PM CT

Sponsored by CUNA Mutual Group

Join us as we present the Excellence in Lending Awards, Rising Star Award and Phil Greer Lifetime Achievement Award.

Wednesday, November 4, 2020 - 12:30 – 1:30 PM CT

Sponsored by LoanStar Technologies

Visit more than twenty solution providers and check out their products and services.  Don’t forget to “Scan Your Badge” when you arrive on their page.

Wednesday, November 4, 2020 - 1:30 – 2:30 PM CT

Sponsored by Equifax
Tracy Ashfield, President, Ashfield & Associates
Sue Dunbar, VP Mortgage Lending, Hanscom Federal Credit Union
Jon Paukovich

Hear from and share insights with mortgage lending peers.  A variety of topics will be covered, and input will be solicited from attendees. What’s on your mind? Come prepared for an exciting mortgage lending session on current practices and successful tactics. Attendees will gain valuable ideas and solutions that can be used in their individual credit unions

Wednesday, November 4, 2020 - 2:30 – 3:00 PM CT

Visit more than twenty solution providers and check out their products and services.  Don’t forget to “Scan Your Badge” when you arrive on their page.

Wednesday, November 4, 2020 - 3:00 – 4:00 PM CT

Sponsored by Kasasa® and CUNA Strategic Services

Kevin Nafziger, Director of Credit and Lending Administration, Park View FCU
Ethan Nelson, VP of Credit Administration, Oregon Community Credit Union
Frank Perez, AVP Consumer Lending, University Credit Union
Herb White, Chief Lending Officer, Sharonview FCU

This is a session to explore issues, get insights ad share approaches with member business lending peers.  A variety of topics will be covered, including the latest on COVID-19, and input will be solicited from attendees. What’s on your mind? Come prepared for an exciting MBL session on current practices and successful tactics. Attendees will gain ideas and solutions that can be used in their individual credit unions.

Wednesday, November 4, 2020 - 4:15 – 5:15 PM CT

A networking gathering to wrap up the day. A great time to connect with familiar faces and some new friends. We’ll bring folks together in groups for casual conversations or a chance to follow-up on some of the key topics presented earlier in the day.

Thursday, November 5, 2020 - 10:00 – 11:00 AM CT

Sponsored by ORIGENCE, a CU Direct Brand

Mike Schenk, Deputy Chief Advocacy Officer for Policy Analysis and Chief Economist, CUNA

The COVID-19 pandemic recession was the biggest economic dislocation in modern history.  Interest rates remain at historical lows putting credit union net interest margins under significant pressure.  Massive labor market disruptions have traumatized millions of workers.  Fading prospects for federal stimulus may have grave consequences for credit union asset quality.  In this session, Mike will explore expectations for the depth and duration of the economic crisis as well as possible impacts on credit union finance and operations.  

Thursday, November 5, 2020 - 11:00 – 11:15 AM CT

Sponsored by ALM First

Visit more than twenty solution providers and check out their products and services.  Don’t forget to “Scan Your Badge” when you arrive on their page.

Thursday, November 5, 2020 - 11:15 AM – 12:15 PM CT

Consumer Credit Scores -- A Trend in Digital Banking and Personalized Lending
Sponsored by Trellance
David Brydun, VP Lending, BCU
JB Orecchia, President & CEO, SavvyMoney Inc. and Jill Sammons, VP Marketing, BCU

Credit union members expect a personalized digital banking experience. “Consumers overall are most likely to turn to their primary financial institution (55%) when seeking resources for financial literacy”, according to Raddon’s research. BCU and SavvyMoney will discuss how they leveraged credit scores and reports to drive credit union strategy, member engagement and remain ahead of the curve on financial literacy & personalized digital banking trends.

Digital Mortgage
Sponsored by CU Servnet
Chris Irwin, Product Lead, Blend
Roy Lang, Blend

Digital Mortgage has evolved to much more than an online application. Join Technology Veterans as they discuss the shifting landscape around borrower expectations and how to focus on your members and creating an online Home Buying Journey.

C&I Lending – A Look Behind the Curtain
Dana Sumner, CEO/President, DFTC Inc.

These are strange times.  Many Credit Unions are experiencing declining Loan to Share.  We have enjoyed a booming CRE market and felt secure in having our portfolio’s carrying heavy percentages of CRE loans.  Now we see the tide shifting and realize portfolio diversification can provide some insulation for these trying times.  Where do we turn.

Operating entities provide an opportunity, but an opportunity that requires adding new skills to our toolbelt.  It is specialized lending requiring we analyze data differently. 

The following are areas of discussion:  interpreting the operating cycle, UCA vs. EBITDA, industry impactors, and collateral evaluation.

The benefits are also very pronounced:  higher yield, funding member businesses – in line with the cooperative movement, operating accounts for future liquidity needs, creating relationships and stronger member loyalty, and an area of focus by the NCUA.

Technology Ideas and Tips for Collection Success (panel)
Sponsored by Experian
Davi Allen, Sr. Director of Consumer Lending Operations & Collections, BCU
Debbe Brady, Apple FCU
Alissa Sykes Tulloch, Chief Experience Officer, AmeriCU - Moderator

Davi Allen, Sr. Director of Consumer Lending Operations & Collections BCU; Debbe Brady, Apple FCU, Alissa Sykes Tulloch, Chief Experience Officer, AmeriCU (moderator) Looking to improve your collections efforts? Look no more….. Join this exciting panel of credit union experts as they share tip, tricks, and technology successes. This panel will share how they used technology to decrease delinquency and charge off ratios all while focusing on the overall member experience.

Thursday, November 5, 2020 - 12:15 – 1:15 PM CT

Visit more than twenty solution providers and check out their products and services.  Don’t forget to “Scan Your Badge” when you arrive on their page.

Thursday, November 5, 2020 - 1:15 – 2:15 PM CT

Emotional Engagement: Differentiate Your Members’ Experience
Sponsored by LoanStar Technologies
Stef Luck, Lending Specialist, CUNA Mutual Group

As banks, credit unions and fintechs focus on building digital capabilities that deliver a convenient, frictionless customer experience (CX), many are overlooking a key driver of CX perceptions – how the experience makes the consumer feel. This emotional element is an opportunity for credit unions to differentiate themselves, especially during the current pandemic crisis.

Hear highlights from new research exploring the role emotion plays in shaping consumers’ CX perceptions of their experience using various financial products and interacting with their financial institution. Examine the causes of poor emotional experiences and steps credits unions can take when things don’t go according to plan. And discover the benefits credit unions can expect by going beyond functional needs, emphasizing a truly positive emotional experience for members.

Loss Mitigation and Forbearance Strategies for Mortgages
Rebecca Krug, Assistant Vice President – Mortgage Servicing, Fairwinds

This session will cover Forbearance and Deferment from a servicer’s perspective. Give a comparison of the two programs and our individual experience with ups and downs of each. I will review the different long-term options we are offering our borrowers and the options currently available from Fannie Mae. We will also discuss the Post COVID industry impacts on servicing and refinance.

Loan Pricing - Drivers of Success
Darryl Mataya, Senior Advisor, Abrigo

When you make retail pricing decisions, you are using the most powerful asset-liability management tool you have at your disposal. After all, the majority of your income comes from net interest margin. So how are these pricing decisions made? There are several mechanisms in use, but institutions typically struggle when trying to create a disciplined and systematic approach and admittedly resort to following the market, negotiating rates, or constantly making exceptions based on unqualified factors.

In this session we take a look at what a disciplined loan pricing process looks like. First, we examine how you would define a successful process. We then take a look at what loan pricing tools and models can tell us, and we share how we see those tools being applied in practice. Finally, we describe a process and agenda that institutions can use when implementing a regular pricing review process.

Thursday, November 5, 2020 - 2:15 – 2:30 PM CT

Visit more than twenty solution providers and check out their products and services.  Don’t forget to “Scan Your Badge” when you arrive on their page.

Thursday, November 5, 2020 - 2:30 – 3:30 PM CT

Sponsored by Stifel
Antonio Neves, Internationally recognized speaker, author and award-winning journalist

In the midst of change, there's no better time than now to reevaluate and reboot your career and lay a stronger foundation for your next 30 days. Step by step, you can become an active player in your career once again and rediscover what makes you great. Based on Antonio's book Stop Living On Autopilot, this talk will refuel the burned out, increase morale, shift perspectives and set people up on the path of renewed personal accountability.

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Thank you to our Signature Sponsor

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CUNA Mutual Group

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