Give Kids The World Village (GKTW) is a 70-acre, non-profit resort in Central Florida that creates magical memories for children with life-threatening illnesses and their families.
Complimentary Breakfast or Snack
GKTW Village Tour (11AM-Noon)
Activities may include: serving breakfast, scooping ice cream, operating Enchanted Carousel or JJ Express, interacting with families at Castle of Miracles or Amberville Train Station.
1:00 – 6:00 p.m.
REGISTRATION & CYBER CAFÉ OPEN
2:00 – 5:00 p.m.
PRE-CONFERENCE WORKSHOPS
Best Practices in E-Lending and Automation
Steve Williams, Principal, Cornerstone Advisors, Scottsdale, AZ
New technologies continue to redefine the ways in which lenders make credit decisions and deliver lending products, and the internet continues to be a driving force for innovation. In this session, Steve Williams of Cornerstone Advisors will provide a review of the emerging technologies and best practices that leading credit unions, banks and other financial innovators are applying to the lending processes. A key aspect of these best practices will center on how credit unions are moving towards a completely electronic loan process. From origination, to underwriting to portfolio management, Williams will share his real-world experiences working with institutions throughout the country on process improvement and systems initiatives. Williams will also discuss the key factors that financial institutions are using to select internet lending and loan origination technology. Whether it is consumer, mortgage or business loans, join us to hear how industry leaders of all sizes are reinventing the lending process across the enterprise.
Net Promoter Score: Managing and Measuring Moments of Truth
Denise Wymore, Author and Consultant, Seattle, WA
"A lot of companies survey customers once or twice a year and they average the numbers across all products and locations. First of all, satisfaction is not the right metric. Secondly, how can an average score once or twice a year be sufficient? Imagine that you only looked at profits averaged across all your product lines only once a year. How good would you be at managing profits? That's how good you will be at managing loyalty.” – Reichheld
The 20 year study of loyalty economics led author Fred Reichheld to develop a tool called the Net Promoter Score that measures member loyalty.
Loyalty drives growth. Growth is the engine for profits. In every industry, loyalty leaders are growing at more than twice the rate of their competitors.
In this session you will learn about the Net Promoter Score (NPS) and hear case studies of credit unions that have been using this metric for several years. As their NPS score improved, so did their bottom-line.
Can you imagine if every credit union measured ROA with a different ruler? That's what we've been doing with service. NPS is as important to your bottom-line as ROA. In fact some say it's a better measure of future profits!
Last Man Down: A Firefighter's Story
Richard Picciotto, Retired NYC Fire Chief, New York, NY
In a presentation modeled after his best-selling book, Last Man Down, FDNY Chief Richard Picciotto offers a tribute to the lives that were lost that day. His recount is not one of death and destruction, but a celebration of life and its unpredictable nature. Picciotto offers an eyewitness account of the defining historical event of our lives; his story is that of a man, a hero, and a tragic event that inspired a nation.
9:30 – 9:45 a.m.
NETWORKING BREAK / TECHNOLOGY FORUM
9:45 – 11:00 a.m.
BREAKOUT SESSIONS (These sessions repeat)
Designing a Loan Department that will Kick Butt and Take Names
Brett Christianson, Owner, CU Lending Advice, LLC, Euless, TX
The ten internal factors that will determine lending success.
How to structure front-line lenders to maximize productivity and loan growth.
Loan policy language that will either hinder or enhance lending volume.
The essential responsibilities of lending department leaders.
Centralized or decentralized underwriting?
Variable pay strategies that increase loan volume.
The Mortgage Meltdown: Tools and Tactics – A Panel Discussion
Dave Purcell, VP Buesiness Serveices, RE Lending, Travis CU, Vacaville, CA; Darlene Johnson, VP Loan Origination, Suncoast Schools FCU, Tampa, FL and Dale Frankhouse, Director Lending, Sun FCU, Maumee, OH ~ Sponsored by Prime Alliance Loan Servicing Powered by Cenlar
Deed in Lieu vs. Foreclosure - pros and cons
What is a short sale? Do we issue a 1099?
Workout loan options; look at securing the unsecured
How and where to get useful portfolio analysis data.
Analyzing portfolio data so you can adjust program and underwriting guidelines for changes in the economy and the market.
Hot Collection and Bankruptcy Topics in an Economic Downturn
Michelle Bertolino, Attorney, Farleigh, Wada, Witt, Portland, OR and James Carden, AVP Collections, HarborOne, Credit Union, Brockton, MA
What's legal and practical under the law regarding consumer collections
How to protect your equity liens when the first lien holder foreclosures; and options available to maximize recovery of your equity loans
Collection issues in bankruptcy, including reaffirmation, retain and pay, 910 property and negative equity
Workout alternative available to members
Understanding of the effect that potential new bankruptcy legislation will have on credit union lien rights
Underwriting Risk for Underbanked and Underserved Consumers
Linda Moynihan Vance, VP Credit Unions, TransUnion, LLC, Milwaukee, WI and Ezra Becker, Principal Consultant for Financial Services, TransUnion, LLC, Chicago, IL
Learn who the “Underserved” or “Underbanked” and “why” they have this classification
How to evaluate the risks associated the underserved and underbanked market – both as new applicants and as existing members of your portfolio
How to leverage opportunities to expand your member base and effectively market and serve your community
Experienced Business Lenders Roundtable
Doug Benzine, VP Research and Advisory Services, Credit Union National Association, Madison, WI
2:00– 3:15 p.m.
BREAKOUT SESSIONS (these sessions repeat)
To Do or Not To Do: Indirect vs. Direct Auto Lending
Mark Andrews, VP/Sales and Marketing, Clark County CU, Las Vegas, NV and Brian Crum, VP Lending, Forum Credit Union, Indianapolis, IN
Answer the question: does indirect auto lending make sense for your credit union
See how Indirect lending can be profitable.
Identify how can you make direct lending work in an indirect lending world
Determine whether you can be successful with auto lending without the indirect channel
Home Equity Lending Risk Strategies
Eric Smith, Sr. Consultant, Equifax Analytical Services, Equifax, Atlanta, GA and
Don Gross, SVP,
Solutions in Finance ~ Sponsored by Accel Members Financial Counseling
Current risks and concerns in Home Equity Lending
Identify how we got “here”
Discover at least three responses and risk strategies to proactively manage your home equity loan portfolio
Young Adults and Credit Unions: Partnering with mY Generation for Success
Josh Jones, Manager Youth Programs, Credit Union National Association, Madison, WI
The creditworthiness and asset building needs of young adults and how to meet those needs
Current issues surrounding peer-to-peer lending, student loans, and indirect borrowing
How to serve and attract young adults even if they don't qualify for a loan
Open End Lending: Reg Z Impacts to your Credit Union
Bill Klewin, Associate General Counsel, CUNA Mutual Group, Madison, WI
Understand the FRB proposals
Be knowledgeable of the impact changes could have on credit union operations
Begin to prepare for whatever result may come from the FRB's final rules
BOOM! 7 Choices for Blowing the Doors Off Business-as-Usual
Dr. Kevin Freiberg, President/CEO, Freibergs.com, San Diego, CA
There is a revolution under way! It's a revolution of people who refuse to be victims and choose to take charge of their lives at work. Those of us involved in this revolution are committed to playing at FULL THROTTLE! We are convinced that this is our moment—a moment when the world is ready to reach beyond the mediocrity of Dead People Working™ and blow the doors off business-as-usual.
9:15 – 9:30 a.m.
NETWORKING BREAK/TECHNOLOGY FORUM
9:30 – 10:45 a.m.
BREAKOUT SESSIONS (these sessions repeat)
MBL Damage Control
Margaret Ross, NCUA and Robert Stowell, SVP/COO, US Federal Credit Union, Burnsville, MN
Identify the major risk areas associated with an MBL program
Evaluate risk mitigants
Scary results from lack of due diligence
Gain deeper understanding of participation loan risks, including credit; interest rate; liquidity; transaction; compliance; reputation and strategic risks
The purpose of managing concentration risk; and strategies to do so
Opportunities in Mortgage Lending
Beth Millstein, Director of Marketing, Fannie Mae, Washington, D.C.
Flight to safety/quality: as lenders consolidate, credit unions continue to increase their market share of residential mortgage originations - solidifying their role as the stable, trusted, local advisor for their members
Learn about Fannie Mae's recent pricing and product updates including information about the new jumbo-conforming expansion, National Downpayment Policy, and updates to Desktop Originator ® (DU ® 7.0) that help you to ensure that mortgage lending is a safe and vital part of your credit union's overall strategy
Hear about recent servicing guideline enhancements and best practices to help you help more members stay in their homes
Reverse Mortgages
Tom Walker, President, Members Trust Company, Tampa, FL
What do seniors want in a reverse mortgage?
Learn about different types of reverse mortgages
AARP and public relations considerations
Options for starting a program
Making Loans During Tough Times - Seize The Opportunity!
Doug Benzine, VP Research and Advisory Services, Credit Union National Association, Madison, WI
Find out what the trends are showing, and how your peers are making loans despite what experts say are bad times.
Learn what is influencing lending trends: Four key areas market research tells us to focus on, plus, see how credit unions and others are leveraging these key areas.
BREAKOUT SESSIONS (These sessions repeat - except where noted)
Mortgage Lending Strategies for Today's Economic Environment
Tyler Settle, Director of Sales, Freddie Mac, McLean, VA
Business Lending 101 (session does not repeat)
Chuck Anderson, SVP Business Banking, Arizona State CU, Phoenix, AZ
Strategic planning is considering whether to begin a business lending program
Learn the key fundamentals to developing the right program
Learn how to create a business plan for an in house program or third party vendor
Identify special plan implementation considerations for product offering options
Hottest Topics in Lending Compliance
John DeLoach, Attorney/Shareholder, William Gautier Law Firm, Tallahassee, FL
Understand impact of new regulations/legislation enacted in 2008
Gain insight into pending regulatory legislation that could make it into law and its implications on credit union lending
Hear predictions on what to expect depending on the outcome of the 2008 Presidential and Congressional elections
Building Members from Indirect Borrowers: Lessons Learned
Heather Thiltgen, VP Consumer Segment Programs, CUNA Mutual Group, Madison, WI, and Pierre Cardenas, SVP-Retail, Amplify FCU, Austin, TX
A proactive approach to touching your new Indirect membership
Indirect lending is here to stay - learn a different way to leverage this channel to benefit your credit union
Hear about recent strategies and a pilot project that helped to better understand the “do's and don'ts” in building a multi-relationship with Indirect borrowers.
2:45– 3:00 p.m.
NETWORKING BREAK/TECHNOLOGY FORUM
3:00– 4:15 p.m.
BREAKOUT SESSIONS REPEAT (except where noted above)
Business Lending 201: Taking it to the Next Level (does not repeat)
Stephen Mackowitz, VP Commercial Lending, Digital FCU, Marlborough, MA
Now that I have started member business lending; what do I have to do to take it to the next level
What should my lending and support team look like? What are their functions?
How do I manage the growing portfolio?
What other loan types or cash management products do I really need?
How do I risk rate my portfolio?
6:00 – 7:30 p.m.
“CASINO NIGHT” RECEPTION ~ Sponsored by Fannie Mae
Growth Strategies
Bob Hoel, PhD., Filene Fellow in Residence, Filene Research Institute, Middleton, WI
“How can our credit union grow in an increasingly competitive environment?” has become the number one question across the nation. It is becoming much more difficult to grow membership because financial consumers are less willing to switch financial institutions. Simultaneously, it's more difficult to grow assets because members have so many choices and competition is fierce.
This session examines credit union success strategies and innovations for attracting and serving growing market segments like young adults, immigrants, small businesses, and aging baby boomers. It identifies events where households are most willing to change financial institutions. It focuses on developing new strategies and revising old ones to (1) expand your loan portfolio, (2) build your deposit base, and (3) generate fee income.
10:00 – 10:15 a.m.
NETWORKING BREAK
10:15– 11:30 a.m.
CLOSING GENERAL SESSION
Check the Conversation! "Accepting Personal Responsibility for Everything in your Life."
Mike Jones, Discover Leadership Training, Houston, TX
Have you ever heard someone say "When I get a new job, then I will be happy" or "When my kids graduate, then I will be content" or even "I will enjoy life more when I can take a vacation"? How's that working for you? During this presentation, Mike Jones will push the envelope of conventional thinking by giving individuals the tools they need to earn more money, build better relationships, and enjoy life even more… NOW! Mike will show when you accept personal responsibility for the success you want in your life, you can have it... Check the Conversation and change your outcomes today!
- · I walked away with so much great information from the CUNA Lending Conference. They say that a successful conference is when you walk away with one great idea. I walked away with about 10 and can't wait to share them with others at the Credit Union.
- The Lending Council Conference is a great opportunity to share experiences, resources, and knowledge with a community of lenders from Credit Unions of all sizes. It truly embraces the credit union philosophy of "people helping people".
- · The CLC conference is the best education and networking opportunity available to credit union lenders.
