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Agenda

16th Annual
CUNA Lending Council Conference
Caesars Palace
Las Vegas, Nevada | October 17-20, 2010

 

AGENDA: (subject to change)

View events for:
Sunday, Oct 17 | Monday, Oct 18 | Tuesday, Oct 19 | Wednesday, Oct 20

SUNDAY, OCTOBER 17

7:30 a.m.– 1:30 p.m.

VOLUNTEER OPPORTUNITY– Candlelighters of Nevada

We a looking for a few good volunteers!   Make the 2010 CLC Conference even more memorable by joining us as we lend a hand to Candlelighters Childhood Cancer Foundation of Nevada (www.candlelightersnv.org). 

We will meet at a designated point in the hotel and be transported to Candlelighters' new home where we will have a light breakfast and orientation, then be put to work on a variety of projects from cleaning and painting to moving furniture.  We will wrap up by noon and be back at the hotel by 1:30 p.m.  No experience (or particular skill…just ask last year's volunteers!) necessary.  All you need is an open heart and willing hands.

Candlelighters' mission is to provide support, education, hope and advocacy through programs and services for children and adolescents with cancer, their families and the professionals who care for them.  Among other programs, Candlelighters offers help with travel expenses, meal tickets, family counseling, camp programs and toy boxes.  Founded in 1978 by two families, each of whom had a child being treated for cancer, this non-profit organization exists to make sure “that no child or family has to fight this disease alone.”

Become a part of the CLC Volunteer ‘Corps' and you will get a t-shirt, build new friendships and fill your heart…just in time to kick off the best conference of the year!

1:00 – 6:00 p.m.

WELCOME CENTER

Conference registration
Sponsor Displays
Internet Café'
~ Sponsored by Akcelerant Software, State National Companies and Credit Karma
~ Refreshments sponsored by CheckAlt Payment Solutions

2:00 – 5:00 p.m.

PRE-CONFERENCE WORKSHOPS (additional fee required)

Growing Loans in a Difficult Economy
Brett Christensen, Owner, CU Lending Advice, LLC, Euless, TX
~ Sponsored by DGU Insurance Assoc., LLC

Yes, you can grow loans in a difficult economic environment if you are willing to try some new approaches to the age-old challenge of getting loans out the door. In this session, Brett will tell you what changes you need to make to your internal lending operation to ensure that you capitalize on this “consumers hate big banks” loan-growth opportunity.

Topics to be discussed in this session will include:

  • Why your organizational structure sets you up to fail in lending.
  • How to increase the low productivity of your lending staff.
  • Why you should remove lending from your branches to increase loan growth.
  • Why you should eliminate your existing MSR and Loan Officer positions and re-post Sales positions.
  • How to get more loans booked each month with one-third of the employees you presently utilize in the loan department.
  • Why you will never increase your loan yield (i.e. your ROA) unless you get comfortable with higher-risk lending.
  • Multiple credit union success stories.

Implementing Essential Strategies for Managing Risk…Before It's Too Late
Jay Mossman, President/CEO, Akcelerant Software, Malvern, PA
~ Sponsored by DGU Insurance Assoc., LLC

Risk Management has changed in dramatic ways over the last few years. Finding members is more difficult, old reliable processes no longer are as effective and new products are being introduced each day to remain competitive. In this workshop we will examine the trends and look at new and future ways of managing risk. By the end of the session you will have some new tools and ideas to manage the ever changing landscape of risk.

  • Effective collection and recovery techniques
  • How to handle growing foreclosures…the rules to live by
  • How is technology changing to help with productivity, finding members and assessing risks
  • Outsourcing as an option
  • Linking delinquency to lending models
  • Predictive delinquency analysis
  • Mitigating risk…looking forward
5:15– 6:00 p.m.

ORIENTATION FOR FIRST TIME ATTENDEES

6:00 – 8:00 p.m.

WELCOME RECEPTION in the Welcome Center
~ Sponsored by CUNA Mutual Group

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MONDAY, OCTOBER 18

7:00 – 8:00 a.m.

BREAKFAST - Visits with Sponsors
~ Sponsored by Radian Guaranty

7:00 – 4:45 p.m.

WELCOME CENTER

Conference registration
Sponsor Displays
Internet Café'
~ Sponsored by Akcelerant Software, State National Companies and Credit Karma

8:00 – 8:15 a.m.

CONFERENCE WELCOME

8:15 – 9:15 a.m.

KEYNOTE ADDRESS

The Art of Vision
Erik Wahl, Artist, Speaker, The Wahl Group, San Diego, CA
~ Sponsored by TransUnion

As the landscape for business continues to change a clear vision is the key to successfully navigating tomorrow's uncharted waters. The Art of Vision is a program specifically designed to help companies utilize unconventional wisdom and build a vision for their future. No matter what kind of organization - from small companies to large corporations - employees at all levels can better embrace the future by becoming more innovative. By breaking apart traditional thinking, Erik challenges and inspires his audience to redefine commonly held assumptions and misconceptions about “creativity”, “goals”, “success” and “vision”. Discover how you can sharpen your creative skills and identify a personal style for inspiring yourself and others to rethink vision and purpose. The principles in this uplifting and highly practical program will redefine the role of a leader as an artist as well as an architect.

9:15– 9:45 a.m.

NETWORKING BREAK - Visits with Sponsors
~ Sponsored by MEMBERS Trust Company

9:45 – 11:00 a.m.

BREAKOUT SESSIONS (These sessions repeat)

Current Financial Issues for Lenders
MJ Coon , SVP/CFO, and Bill Vogeney, SVP/CLO, Ent FCU, Colorado Springs, CO
~ Sponsored by SWBC

Today, it's more important than ever for lending managers to work closely with the credit union's CFO. In this session, a CFO and Lending VP will share with you several different case studies in financial analysis that require this type of collaboration. Topics will include the decision to sell or retain 30-year fixed rate mortgages at low rates, the challenges of loan pricing, and ideas for avoiding allowance for loan loss disasters.

Movin' on Up: The Journey from CLO to CEO
~ Sponsored by Willow Capital Group, LLC
Larry Biernacki, President/CEO, Arkansas FCU, Jacksonville, AR; Diana Dykstra, President/CEO, San Francisco Fire CU, San Francisco, CA and Patricia Smith, President/CEO, Unitus Community CU, Portland, OR

Learn about leadership development and a path to the top from this panel of CEOs who came up from the ranks of Lending and are now in the ‘corner office!"

Loan Growth Strategies: Marketing Case Study
Allan Stevens, VP, Chief Credit Officer, Franklin Mint FCU, Broomall, PA; Carl Roer, VP Lending, Sound CU, Tacoma, WA and Bob Birkhahn, EVP/Chief Member Relationship Officer, Affiity FCU, Basking Ridge, NJ
~ Sponsored by United Guaranty

Hear experienced credit union lenders present case studies of successful marketing promotions and loan growth strategies. Each presenter will outline their specific loan growth challenge, describe creating and implementing their solution, and summarize results. You will come away with a list of practical ideas and tools you can use to grow auto, mortgage, and credit card balances.

The Small Credit Union Lending Roundtable
Claire Ippoliti, VP Lending, Philadelphia FCU, Philadelphia, PA
~ Sponsored by Experian

This session will focus on having roundtable discussions on topics of importance to smaller credit unions. We will develop topics that are specific challenges to this group. Our objective is to have the participants walk away with one or two ways that they can address an issue that they face. Also, provide opportunities for those working for smaller credit unions to connect with others that share the same challenges and work collaboratively together. Smaller credit unions face a unique set of challenges; this roundtable session will help the participants to connect with their peers and work collaboratively together.

11:00 – 11:15 a.m.

NETWORKING BREAK - Visits with Sponsors
~ Sponsored by CRIF Lending Solutions

11:15 – 12:30 p.m.

BREAKOUT SESSIONS REPEAT

12:30 – 1:45 p.m.

"EXCELLENCE IN LENDING" AWARDS LUNCHEON
~ Sponsored by CUNA Mutual Group

2:00– 3:15 p.m.

BREAKOUT SESSIONS

Mortgage Portfolio Management
Jon Paukovich, VP Mortgage Lending, Ent FCU and Dave Purcell, Travis CU
~ Sponsored by Federal Home Loan Bank System

Mortgage portfolio analysis continues to be a “hot button” topic for examiners. Issues such as adequate funding of the allowance for loan loss account, developing a watch list, and determining loans most at risk for “strategic foreclosure”are among the topics covered in this session. You'll hear different approaches from these two credit unions-one from a “sand state” and one from a market that's had only moderate price declines.

Consumer Loss Mitigation
Bob Stowell, SVP/COO and Rick Blood, VP Consumer and Mortgage Lending, US Federal CU, Burnsville, MN
~ Sponsored by Prime Alliance Loan Servicing Powered by Cenlar

“Delve into the “art and science” of Loss Mitigation.  Take actionable ideas back to your credit union on how to be proactive in managing your credit unions mortgage and consumer portfolio to minimize your losses and provide work out options that will benefit both you and your members.  Our discussion will involve policy, procedural and (most importantly) practical ideas that can help you move from reacting to the delinquent borrower to being a proactive partner in working through a member's consumer and mortgage related credit challenges.”

Housing and Mortgage Market Outlook
Amy Crews Cutts, Deputy Chief Economist, Freddie Mac, McLean, VA
~ Sponsored by Freddie Mac

This session looks at the macroeconomic environment and the potential trends ahead for housing and mortgage finance. When will the housing markets really show improvement? How long will mortgage rates stay low? What is the outlook for distressed borrowers? How might public policy changes affect mortgage finance in the future?

The Union of the Electronic Signature and the Credit Union
Tom Gonser, Founder/VP Product Strategy, DocuSign, Seattle, WA
~ Sponsored by DocuSign, Inc.

Saving time, saving money and improving member service are top priorities for any credit union. This session will discuss how using electronic signatures to automate the signing process of paperwork such as new loan documents and loan modifications achieves all these goals, while enabling 24x7 member self-service and supercharging employee productivity. Attendees will learn best practices in using electronic signatures, and how to roll them out to staff and members.

3:15– 3:30 p.m.

NETWORKING BREAK - Visits with Sponsors
~ Sponsored by CRIF Lending Solutions

3:30– 4:45 p.m.

BREAKOUT SESSIONS REPEAT

6:30– 7:30 p.m.

NETWORKING RECEPTION
~ Sponsored by Mortgagebot LLC

Today, more than ever, we know how important it is to network with your peers.  Because of this we are planning our social event around a networking theme.  Join us on Monday evening at 6:00 p.m. for a networking mixer.  You'll be able to chat with your peers about all of the important issues facing credit unions and the financial industry today while enjoying great food and drinks. During the event, we will auction off the paintings creating by our keynote speaker, Erik Wahl with the profits going to Candlelighters of Nevada . We'll also have some nice prizes for you. We'll leave you plenty of time that evening to explore and enjoy all Las Vegas has to offer.

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TUESDAY, OCTOBER 19

7:00 – 7:45 a.m.

BREAKFAST - Visits with Sponsors
~ Sponsored by CUDL

7:00 – 4:00 p.m.

WELCOME CENTER

Conference Registration
Sponsor Displays
Internet Café'
~ Sponsored by Akcelerant Software, State National Companies and Credit Karma

7:45– 9:00 a.m.

GENERAL SESSION and ANNOUNCEMENTS

The Outlook for the Economy, Housing, and Mortgage Markets
Dave Berson, SVP/Chief Economist & Strategist, The PMI Group, Inc., Walnut Creek, CA
~ Sponsored by Fannie Mae

This session will discuss the outlook for the U.S. economy in 2011, as well as the risks, including job growth, Federal Reserve monetary policy and the direction of interest rates. Specific attention will be placed on activity in the housing market (including home sales and house prices), as well as the mortgage market (mortgage originations, refinance share, and delinquency rates).

9:00– 9:30 a.m.

NETWORKING BREAK - Visits to Sponsors
~ Sponsored by Credit Union Student Choice

9:30 – 10:45 a.m.

BREAKOUT SESSIONS (all sessions repeat)

Two Real Estate Products That Can't Be Ignored
Tracy Ashfield, EVP, Strategic Mortgage Solutions, Madison, WI
~ Sponsored by myCUmortgage

The days of plain vanilla are gone. Credit Unions don't need dozen's of product options but we do need to keep our eye on trends. In this session we'll discuss the benefits of adding FHA to your mix and how to determine if Reverse mortgages should be in your future.

Loan Portfolio Solutions, Tools for Credit Union
Laurel Davis, VP Investor Channel, Fannie Mae, Washington, DC and Ralph Bonner, Sr. Account Executive, Fannie Mae, Washington, DC
~ Sponsored by Fannie Mae

As a portfolio decision-maker in this market, you may be looking to identify risks and discover opportunities that exist in your seasoned whole loan portfolio. Join Fannie Mae to learn the top five things to know about leveraging your loan portfolio as an investment that can help your credit union improve its capital position, increase liquidity, and generate earnings.

The Regulatory Compliance Hangover
Justin Robinson,Director of Compliance Services - Financial Institutions, LarsonAllen, Minneapolis, MN and Mike Long, EVP/Chief Credit officer, UW CU, Madison, WI
~ Sponsored by Twenty Twenty Analytics

Join LarsonAllen's Regulatory Consultant, Justin Robinson and CLC's Regulatory & Legislative Committee Chair Mike Long as they retrace the compliance challenges of the past 18 months and attempt to put the pieces back together to keep your credit union compliant in the days ahead.

Teaching Staff to Say Yes Again, Post recession
Brett Christensen, Owner, CU Lending Advice, LLC, Euless, TX
~ Sponsored by Accel Members Financial Counseling

It is certainly understandable if your credit union's loan denial rate has climbed in the past year as you have reacted to the declining credit quality of members, tough economic conditions and the natural reaction to tighten when delinquency and loss numbers are high. But as you know, flat or negative loan growth will not help you improve your bottom line.

In this session, Brett will teach you how to make as many good loans as possible in the post-recession environment. Topics to be discussed will include:

  • Lending is an Attitude!
  • Steps you must take to have success with higher-risk members.
  • Building performing loans during the interview process.
  • Underwriting approaches that are necessary so that you can say yes more often.
  • Learning the difference between real risk factors and not-so-real risk factors.

10:45 – 11:00 a.m.

NETWORKING BREAK - Visits with Sponsors
~ Sponsored by DocuSign, Inc.

11:00 – 12:15 p.m.

BREAKOUT SESSIONS REPEAT

12:15 – 1:15 p.m.

MEMBERSHIP LUNCHEON (open to all attendees)
~ Sponsored by Allied Solutions

1:30– 2:45 p.m.

BREAKOUT SESSIONS (sessions 1-3 repeat)

Participations as a Core Line of Business
Sydney Libsack, Manager Secondary Loan Markets, Delta Community CU, Atlanta, GA and William McCluskey, CEO, Willow Capital Group, LLC, Centerbrook, CT
~ Sponsored by Callahan & Associates

Purchasing loans originated by other institutions can be a powerful way to improve balance sheet performance, but it's a strategy with many risks, and regulators are looking closely at participation programs. Every credit union's participation operation should be thoughtfully designed and managed with discipline. Explore and discuss the strategy and tactics, methods and routines necessary to buy and sell loans with confidence. Specific topics covered include:

  • Fitting participations into broader institutional strategy
  • Portfolio governance: setting limits and targets
  • Staffing and structure. Who owns participations? Where's their box on the org chart?
  • Key characteristics/considerations for common loan types including CRE, auto loans, and residential mortgages
  • Managing counterparties, partners, and market relationships
  • Portfolio performance and participations servicing

P.L.A.N. to Capsize: Prepare for Setbacks to Recovery Quickly and Get Everybody Back in the Boat
Linda Keith, CPA, Linda Keith CPA, Inc., Olympia, WA

Linda Keith CPA, CSP combines her business and banking experience with lessons learned kayaking the coldest summertime waters in the United States . In this working session, you will join forces with other CU lending professionals to plan for setbacks in implementing your loan growth plans.

    • Experience a four-step planning process you can use annually, when conditions change and whenever a setback occurs
    • Break into groups by lending type to create a capsize-level threat list to your loan growth strategies
    • Develop action steps to react quickly to the identified setbacks
    • Create the 'Need in Place First' list to be response-ready
    • Contribute to a follow-up report from the session combining the threats, action steps and preparation steps created by each team
    • Receive that report to adapt and adopt the wisdom of the group to the needs of your credit union

Growing New Members and Increasing Relationships with Existing Members
Kelly Parks, Creative Catalyst, gira{ph}, Henrico, VA
~ Sponsored by Lending Solutions, Inc.

We are at a pivotal moment in time. Consumer frustration with banks and credit card companies is at an all time high, while members are waking back up to the importance of thrift, community and trust. How do we capitalize on this critical juncture to gain marketshare, secure member loyalty and grow share of wallet.  In this interactive session we'll explore 17 fresh growth strategies to gain more members and magnify member relationships.  Come prepared to share your best, power-packed idea and an open mind to learn from your peers.

Credit Scoring Analytics in Today's Environment (does not repeat)
Ezra Becker, Consulting and Strategy Director, TransUnion, LLC, and Fred Ryerse, SVP Lending, Members 1st CU, Mechanicsburg, PA
~ Sponsored by Twenty Twenty Analytics

This session will review credit scores and their effectiveness in predicting future delinquency in a changing economic landscape.  In addition, this session will review effective strategies in offering credit through credit prescreens.

1:30– 4:15 p.m.

BONUS SESSION

Member Business Lending Roundtable
Facilitators: Bob Stowell, SVP/COO, US FCU, Burnsville, MN and Chuck Anderson, EVP Commercial Banking, Arizona State CU, Phoenix, AZ
~ Sponsored by Open Solutions

This session is for experienced MBLO lenders to explore their most critical issues; e.g. workouts, pricing, loan loss reserve methodology, alternative products, portfolio management, examinations, appraisal reviews and department/organization structuring. It's your chance to hear from many other credit unions on these and other member business lending topics.

2:45– 3:00 p.m.

NETWORKING BREAK - Visits with Sponsors

3:00– 4:15 p.m.

BREAKOUT SESSIONS REPEAT (except where noted above)

Blue Ocean Ideas for Lenders
Chris Oldag, CEO, CU Consulting, Oakland , CA
~ Sponsored by Twenty Twenty Analytics

In their outstanding best selling book “Blue Ocean Strategy” authors Kim and Mauborgne remind us that dividing existing (and often shrinking) market demand and benchmarking competitors – businesses must break out of the red ocean of bloody competition by creating uncontested market space. The challenge is to make the competition irrelevant by growing demand and breaking away from the competition. In this session you will hear numerous ideas and examples of how Credit Union lending challenges are being met with Blue Ocean Lending Ideas that set them well apart from the competition. Strategies discussed will include finding safe loan growth - internal and external, reducing credit risk, increasing portfolio yields with the right tools and people.

Evening

ON YOUR OWN

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WEDNESDAY, OCTOBER 20

7:00 – 10:45 a.m.

WELCOME CENTER

Sponsor Displays
Internet Café'
~ Sponsored by Akcelerant Software, State National Companies and Credit Karma

7:30 – 8:30 a.m.

CONTINENTAL BREAKFAST – Visit with Sponsors

8:30 – 9 :30 a.m.

GENERAL SESSION

Regulator Exam Hot Buttons
Timothy Segerson, Director of Supervision, Office of Examination and Insurance, NCUA, Alexandria, VA
~ Sponsored by Prime Alliance Solutions

NCUA is consistently evaluating emerging risk and identifying areas of increased examiner attention to effectively identify and manage risk to the National Credit Union Share Insurance Fund. The Speaker will explore emerging issues and key areas of concern and focus for NCUA examiners. Understand an examiner perspective and prepare for a more effective and productive examination experience.

9:30– 9:45 a.m.

NETWORKING BREAK

9:45 – 10:45 a.m.

CLOSING GENERAL SESSION

After the Bailouts: Ten Keys to Success for the American Credit Union Movement in the Year 2010 and Beyond
Dennis Dollar, Principal Partner, Dollar Associates, LLC, Birmingham, AL

Former NCUA Chairman Dennis Dollar performs an in-depth assessment of the financial services industry after TARP, bailouts, NCUSIF premiums and corporate losses. He forthrightly addresses both the challenges and opportunities facing credit unions in the marketplace following the era of the bailouts. This "no holds barred" presentation is provocative but encouraging if the right steps are taken to shape the credit union position in this dynamic and changing market. Mr. Dollar takes his unique background in credit union leadership, regulation and as a leading credit union consultant and applies it to mapping the credit union future.

AFTER THE BAILOUTS will examine today's issues such as:

  • Have We Seen the End of Unanticipated Expenses?
  • Will there be a Corporate Credit Union System Going Forward?
  • Can Credit Unions Grow in Today's Market?
  • Is CRA Coming and How Should We Fight or Prepare?
  • Will Mergers Slow Down or Speed Up?
  • Is there a Break Coming in Regulatory Overkill?
  • Can a tight credit era still result in lending growth?

Don't miss out on the discussion and insights that this far ranging and strategic presentation will provide. AFTER THE BAILOUTS will challenge any committed credit union leader to see the post-bailout era as an opportunity to enhance his or her footprint in the financialmarketplace.

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Conf. Presentations

 

Sponsorship Info

Sponsorship Program

Thanks '10 Partners

 

Hotel and Travel

Caesars Palace

Attractions

Nightlife

2010 Excellence in Lending Awards - Click for More Information

 

What people said about past Lending Conferences...

 

This is the premier credit union lending conference. There is no excuse for a lender serious about their career, and serious about helping their credit union, to pass this conference.

I have been to many conferences in the past and this was, by far, the best investment of my time and the credit union's money.

This was my first CUNA Lending Conference and I can't wait to attend another one!

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