Lenders & Chief Credit Officers Conference

Overview gyounger@westernbankers.com

2019 Lenders & Chief Credit Officers Conference
Monarch Beach Resort • Dana Point, CA
October 6-9, 2019

Driving Growth, Sustaining Performance

The 2019 Lenders & Chief Credit Officers Conference brings together lending professionals from across the West Coast for four days of premier education and networking opportunities. Hear from business leaders, strategists, and peers during interactive sessions designed to explore shared opportunities and challenges, discuss examiner expectations, and develop a greater understanding of today’s marketplace.

Conference topics include commercial and consumer lending trends, credit culture, risk management, loan growth, and legislative updates. In this collaborative and informative environment, attendees can look forward to confirming or changing their perspective on today’s most pressing issues and returning to their banks with actionable insights critical to organizational performance.

Register by September 9 to receive the early-bird rate. All hotel reservations must also be made by September 9 to take advantage of the conference group rate.

Register Today!

Hotel

Hotel and Travel

Monarch Beach Resort
One Monarch Beach Resort 
Dana Point, CA 92629

Hotel accommodations can be made online here or by calling the Monarch Beach Resort reservations department at (949) 234-3460. Please mention Western Bankers Association, WBA to receive the special group rate. The WBA rate is starting at $279/night, single or double occupancy, plus taxes and fees. Rooms are limited, please make your reservations as soon as possible. The hotel room block cut-off date is Monday, September 9, 2019. If the room block reaches capacity, the hotel may accept reservations on a space-available basis at the prevailing rates.

Agenda gyounger@westernbankers.com

Agenda

Sunday, October 6
12:00 PM – 4:00 PM Golf
2:00 PM – 4:00 PM Registration Open
4:00 PM – 5:30 PM Welcome Reception
Monday, October 7
7:30 AM – 5:00 PM Registration Open
7:30 AM – 2:50 PM Marketplace Open
7:30 AM – 8:30 AM Breakfast
8:30 AM – 9:45 AM Opening General Session

Vision – Mindset – Grit

Scott Burrows
Motivational Keynote Speaker
9:45 AM – 10:45 AM Learning Session

Detecting a Problem Loan Before
It Becomes a Problem


Gary Tokumori
Shareholder
Parker, Milliken, Clark, O’Hara &
Samuelian, APC (PMCOS)

Kenneth Miller

Shareholder
Parker, Milliken, Clark, O’Hara &
Samuelian, APC (PMCOS)
  Learning Session

Implications and Practical Issues in the Switch
from the LIBOR Index to the SOFR Index


Michael Flynn
Counsel
Buchalter

Reed Mercado
Senior Counsel
Buchalter
10:45 AM – 11:00 AM Refreshment Break
11:00 AM – 12:00 PM Learning Session

Surfing the Business Cycle: Lending Through Its Ups and Downs

Dev Strischek 
Principal
Devon Risk Advisory Group
  Learning Session

Learn Why Banks Outsource

Barbara Griffith
President
SCL Equipment Finance
12:00 PM – 1:15 PM Networking Lunch
1:15 PM – 2:30 PM General Session
2:30 PM – 3:00 PM Afternoon Break
3:00 PM – 4:00 PM Peer Exchange Session
  Evening Open for Vendor Dinners
Tuesday, October 8
7:30 AM – 5:00 PM Registration Open
7:30 AM – 2:50 PM Marketplace Open
7:30 AM – 8:30 AM Breakfast
8:30 AM – 9:45 AM General Session

Anatomy of a Workout: Is There a New Playbook?

Moderator & Panelist: 
Barry Smith, Esq. 
Shareholder
Buchalter


Panelists:
Robert O. Riiska
Managing Director 
Sierra Constellation Partners LLC

David Scheiber 
Cathay Bank

Jeffrey E. Brandlin, CPA, CFF / CIRA, CM&AA 
Senior Managing Director
Brandling & Associates
9:45 AM – 10:45 AM Learning Session

Relationship Profitability: Unlocking Value
from the Institution’s Relationships


Ken Levey
Vice President of Financial Institutions
Kaufman, Hall & Associates, LLC


Bryan Ridgway
Senior Solutions Engineer
Kaufman, Hall & Associates, LLC
  Learning Session

Legislative Update

Kevin Gould
SVP, Director of Government Relations
California Bankers Association
10:45 AM – 11:00 AM Refreshment Break
11:00 AM – 12:00 PM General Session

CECL Approach & Preparedness for Community Banks

Aaron Lucey 
VP & Information Security Officer
Summit State Bank

Brian Reed 
EVP & Chief Credit Officer
Summit State Bank
12:00 PM – 1:15 PM Networking Lunch
1:15 PM – 2:15 PM Learning Session

A Credit History Report

Bill Phelan
President
PayNet
  Learning Session

Improving Credit Risk Management: Moving from Doing
the Deal to Understanding the Risk-to-Loan Portfolio


Merrill Reynolds 
Partner & Co-Founder
Reynolds Williams Group
2:15 PM – 2:30 PM Afternoon Break
2:30 PM – 3:45 PM Peer Exchange Session
3:45 PM – 4:30 PM General Session

Rise of Fintechs: Threat or Opportunity?

Tyler DuBusky
Principal
Premier Consumer Capital

Kelly Riddle
Principal & Co-Founder
Premier Consumer Capital
4:30 PM – 6:00 PM Reception
Wednesday, October 9
7:00 AM – 11:45 AM Registration Open
7:00 AM – 8:00 AM Marketplace Open
7:30 AM – 8:30 AM Breakfast
8:30 AM – 9:30 AM Learning Session

Late Cycle Lending

Dan Glaeser
SVP/ Manager of Commercial Banking Portfolio
Montecito Bank & Trust
  Learning Session

Middle Market Credit Lending Trends & Analysis

Laurent Birade
Senior Director, Regulatory and Accounting Solutions
Moody’s Analytics
9:30 AM – 10:00 AM Refreshment Break
10:00 AM – 11:45 AM General Session & Closing Remarks

The Consultative Banker’s Approach:
Four Strategies Proven to Build a Full Banking Relationship


Ray Adler
Founder, President & CEO
BTI Growth Advisors
11:45 AM Conference Adjourns
Speakers gyounger@westernbankers.com

Scott Burrows
Motivational Keynote Speaker

Scott Burrows is an in-demand Keynote Motivational Speaker who brings the concepts of Vision, Mindset and Grit to life using his life-changing story as the backdrop. Three simple yet powerful words that, when put into action, can help you and your organization stand up to any challenge, push you to the limits of what is possible and set goals that stretch the mind—even during times of change, doubt, uncertainty and fear.

Speakers gyounger@westernbankers.com

Barry Smith, Esq.
Shareholder
Buchalter

Barry A. Smith is a Shareholder in the Firm’s Litigation Practice Group and Chair of the Financial Institutions Industry Practice Group. Mr. Smith focuses his practice on representing financial institutions and other business entities, both domestically and internationally. Mr. Smith has extensive experience in business and commercial litigation, creditors’ rights, real estate, loan workouts and restructuring, provisional remedies, receiverships, collections, and post-judgment enforcement.

Speakers gyounger@westernbankers.com

Jeffrey E. Brandlin, CPA, CFF / CIRA, CM&AA
Senior Managing Director
Brandling & Associates

Jeff is an industry-leading provider of consultative accounting and financial advisory services. Top tier banks, private equity firms, non-bank senior and mezzanine lenders and middle market companies depend on Jeff and his firm for the financial information they need to make intelligent decisions, both in advance of an investment and when a company’s performance deteriorates.

Speakers gyounger@westernbankers.com

Brian Reed
EVP & Chief Credit Officer
Summit State Bank

Brian brings over 30 years of lending and community banking experience to his role. He earned his Master’s degree from the American Graduate School of International Management in Arizona, and graduated with a Bachelor’s degree in Business Economics from the University of California at Santa Barbara, with an emphasis in Accounting and Corporate Finance.

Speakers gyounger@westernbankers.com

Ray Adler
Founder, President & CEO
BTI Growth Advisors

For the past 18 years, Ray Adler has successfully guided over 100 high-performing community, business, and regional banks to improve the sales performance of their lenders and RMs. As founder, president, and CEO of San Diego-based BTI Growth Advisors, Ray and his team have created impressive quantitative and qualitative results for banks through the firm’s consulting, coaching, and training services, all of which focus on bank sales culture development.

Speakers gyounger@westernbankers.com

Kenneth Miller
Shareholder
Parker, Milliken, Clark, O’Hara & Samuelian, APC (PMCOS)

Kenneth Miller is a Shareholder of the Firm and enjoys a diverse practice, primarily focusing on representing lenders, borrowers, landlords, and tenants in complex real and personal property loan and lease transactions. Mr. Miller has developed successful procedures for the preparation, negotiation and closing of commercial secured loans on behalf of both lenders and borrowers, maximizing quality and cost efficiency.

Speakers gyounger@westernbankers.com

Michael Flynn
Counsel
Buchalter

Michael Flynn is a member of Buchalter’s Corporate Practice Group and is Co-Chair of the firm’s Mortgage Banking Group. Mr. Flynn applies his unique background as the former Acting General Counsel of HUD, and the former General Counsel of PNC Mortgage and Flagstar Bank, to counsel clients on a variety of bank regulatory, mortgage, consumer financial services, FinTech and real estate matters.

Speakers gyounger@westernbankers.com

Reed Mercado
Senior Counsel
Buchalter

Reed Mercado is a member of the Commercial Finance Practice Group in the Firm’s Los Angeles office. He represents a wide range of traditional and non-traditional lenders in complex financing transactions. He has structured, negotiated and documented a wide variety of financing arrangements, including working capital financing, real estate secured financing, debtor-in-possession financing and bridge financing.

Speakers gyounger@westernbankers.com

Dev Strischek
Principal
Devon Risk Advisory Group

A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. “Dev” Strischek is principal of Devon Risk Advisory Group based near Atlanta, Georgia.  Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc. 

Speakers gyounger@westernbankers.com

Barbara Griffith
President
SCL Equipment Finance

Barbara Griffith established SCL Equipment Finance a Division of Southern California Leasing in 1992. Throughout her career, she has originated millions of dollars in equipment financing. This steady growth has continued due to her strong beliefs in professional work ethics, her company’s reputation and the successful customer relationships that have been built over the years. She feels these are the most important factors in a successful business.

Speakers gyounger@westernbankers.com

Ken Levey
Vice President of Financial Institutions
Kaufman, Hall & Associates, LLC

Ken Levey is Vice President of Financial Institutions at Kaufman Hall. In this capacity, Ken has responsibility for the overall product and business strategy for the Banking solutions that reside on the Axiom Software platform. Prior to joining Kaufman Hall, Ken was the Senior Director for Banking Analytics at SAP BusinessObjects where he was responsible for developing performance management and analytic applications for the Banking Industry.

Speakers gyounger@westernbankers.com

Bryan Ridgway
Senior Solutions Engineer
Kaufman, Hall & Associates, LLC

Bryan Ridgway is a Senior Solutions Engineer within Kaufman Hall’s Axiom Software Financial Institutions practice.  In this role he assists clients and prospects in understanding how the Axiom solutions can help analyze and improve their overall financial performance.  In addition, he provides industry thought leadership through the creation and delivery of articles, webinars and conference speaking engagements.

Speakers

Kevin Gould
SVP, Director of Government Relations
California Bankers Association

Kevin Gould joined the California Bankers Association (CBA) in 2004, bringing with him more than seven years of legislative experience. In his role as senior vice president and director of state government relations, he oversees the management and operation of CBA’s state and federal government relations department and also serves as one of CBA’s three registered lobbyists.

Speakers gyounger@westernbankers.com

Bill Phelan
President
PayNet

William Phelan co-founded PayNet in 2000 with the belief that when commercial lenders are assured of risks, they’re more likely to make credit available, unlocking opportunity for small businesses. As president, Mr. Phelan oversees sales, marketing, analytics and information technology across the U.S. and Canada.

Speakers gyounger@westernbankers.com

Merrill Reynolds
Partner & Co-Founder
Reynolds Williams Group

A graduate of Southern Methodist University and The Southwestern Graduate School of Banking, Mr. Reynolds began his career as a bank examiner with the Federal Reserve Bank of Dallas. A 30+ year banking veteran, he has worked for both community and multi-bank holding companies in a wide range of lending and managerial capacities. Prior to beginning his consulting career, Mr. Reynolds served as Senior Vice President and Business Banking Manager for Wells Fargo, N.A. in New Braunfels, Texas. Mr.

Speakers gyounger@westernbankers.com

Laurent Birade
Senior Director, Regulatory and Accounting Solutions
Moody’s Analytics

Laurent is a senior director responsible for providing Risk and Finance integration expertise across solutions, products, and services offered by Moody’s Analytics in the USA and Canada. As a domain expert in financial services since 2005, Laurent has accumulated a wealth of knowledge on the effective integration of risk and finance processes.

Sessions gyounger@westernbankers.com

Vision – Mindset – Grit

As audiences worldwide have discovered, Scott Burrows’ compelling story is the hero’s journey, providing what will be an unforgettable and lasting memory to inspire you to rise to the challenge. Using his physical paralysis as a visual metaphor, Scott reveals how to drive results using the same mental focus that helped him reinvent his life after a catastrophic accident left him paralyzed from the chest down. He will demonstrate there are no barriers or stop signs in life, just detours and workarounds.

Sessions gyounger@westernbankers.com

Anatomy of a Workout: Is There a New Playbook?

In this in-depth session, explore the workout process and action planning with the panel’s five steps to success. Discussions will include the fraud triangle, red flags, use of third-party professionals, managing key issues, and real estate structuring alternatives.

Sessions gyounger@westernbankers.com

CECL Approach & Preparedness for Community Banks

Get a front row seat to one bank’s white paper on their CECL methodology. This session will offer a walkthrough of a bank’s excel templates, dashboards, and other technical documentation. Learn how they have implanted their model and manage data to produce a timely CECL allowance.

Sessions gyounger@westernbankers.com

Rise of Fintechs: Threat or Opportunity?

With the rise of fintechs in consumer loan origination, banks face a choice: ignore them, compete with them, or partner with them. In this session, learn how to identify the right avenues of cooperation and navigate potential pitfalls in developing strategic partnerships with fintechs that will complement or diversify current lending programs. Explore possible forms of collaboration between your bank and new fintech originators.

Sessions gyounger@westernbankers.com

The Consultative Banker’s Approach: Four Strategies Proven to Build a Full Banking Relationship

There is a significant difference, loyalty- and profit-wise, between having a relationship with a commercial borrower and a full banking relationship with a commercial customer. As a result, considerable opportunities to increase income, profits, and loyalty are missed. Dive deep into the differences between knowing customers and what strategies it takes to develop more profitable and loyal full banking relationships. As Amazon and other “challenger banks” introduce more lending and deposit products, every community bank is at risk of losing their best customers. Armed with more knowledge about your customers, bankers must shift from transactional behaviors to be more relationship-focused to retain customers.

Sessions gyounger@westernbankers.com

Detecting a Problem Loan Before It Becomes a Problem

In commercial lending, it is critical to determine and assess problem loans as quickly as possible to allow the lender to resolve them efficiently. In this session, learn how the lender’s business and legal teams can work together to identify potential risks and issues quickly, and design strategies to both minimize the lender’s problem loans and potential exposure. Attendees will explore a variety of techniques to maximize recovery and reduce costs in the handling of troubled loans.

Sessions gyounger@westernbankers.com

Implications and Practical Issues in the Switch from the LIBOR Index to the SOFR Index

With their entire commercial finance industry facing a conversion from the popular LIBOR index to the new SOFR for adjustable rate loans, and residential mortgage industry needing to determine what new index it may use, a host of practical issues face lenders in this transition period.   In this session, learn how the evolving conversion to SOFR developed and what such a conversion means for individual banks and individual deals, and learn what their residential mortgage lenders must consider in contemplating no longer using LIBOR.  Explore this crucial issue that affects enormous numbers of commercial and residential mortgage loans originated by banks.

Sessions gyounger@westernbankers.com

Surfing the Business Cycle: Lending Through Its Ups and Downs

As bankers and borrowers work through the business cycle, lenders with a little cycle savvy can help their clients meet their credit needs through the phases of the cycle. This session explains how those needs change from one phase to the next and how lenders can give clients what they need. In this session, lenders learn how to anticipate their clients’ credit needs to help them survive the stresses of expansion and contraction. Identify those industries and borrowers most vulnerable to downturns and those less susceptible to recession.

Sessions gyounger@westernbankers.com

Learn Why Banks Outsource

Outsourcing is defined as “the strategic use of outside resources to perform a task that is traditionally handled by the banks internal staff or resources.” Outsourcing is an efficient way to complement and ultimately become a valued business partner with another company. During this session, discover what a bank can do when a file for a commercial equipment loan does not meet the guidelines of the credit department. Identify requirements for successful outsourcing, how to reduce expenses and give the bank a competitive advantage over the larger banking institutes.

Sessions gyounger@westernbankers.com

Relationship Profitability: Unlocking Value from the Institution’s Relationships

Financial institutions continue to face tight margins and competitive pressures and need new strategies to improve profitability. Learn how managing relationship profitability impacts the top and bottom line of your bank. Explore tactical strategies for pricing new business and managing portfolios to retain and expand your bank’s most profitable relationships.

Sessions gyounger@westernbankers.com

A Credit History Report

Knowledge is power, according to 3,000 years of history. While the lending industry also dates back 3,000 years, this theme has not played out in the space. The industry overall has made few, if any, strides when it comes to implementing an efficient credit process that minimizes risk. In this session, learn how to implement an efficient credit process that minimizes risk while capitalizing on credit demand. Using historical case studies, discover how lenders and chief credit officers can take measures to modernize the credit system for their banks and their customers.

Sessions gyounger@westernbankers.com

Improving Credit Risk Management: Moving from Doing the Deal to Understanding the Risk-to-Loan Portfolio

As the lending cycle matures, banks should continually be reviewing their portfolios for potential signs of trouble and to satisfy regulatory expectations. This session will address critical areas of portfolio management that lenders should be considering. Discussions will include trends and business conditions currently being seen in community banks across the country.

Sessions gyounger@westernbankers.com

Middle Market Credit Lending Trends & Analysis

Hear from an analytics expert on the state of middle market lending, which sectors seem to be deteriorating faster than others, and how the latest and greatest advances in AI can be leveraged to identify other early indicators of credit deterioration. Discussions will include an update to the oil and gas analysis and show how things have changed since the 2015-2016 turmoil in that sector.

Pricing

Pricing

 

Pricing For Through 9/9/2019 After 9/9/2019
WBA Bank Member $845 $1,045
Bank Non-member $1,345 $1,345
WBA Associate Member $2,500 $2,500
WBA Season Pass Holder $845 $845
Guest Fee $495 $495

Registration fees less a $75 processing fee per registrant will be refunded if cancellation is received by September 20, 2019. No refund if cancellations are received after September 20, 2019. Substitutions welcomed.

Sponsorship Information

Sponsorship Information

If you are interested in sponsoring this event, please contact Rosemary Mignano, Senior Manager of Sponsor, Exhibitor & Affiliate Member Development at rmignano@westernbankers.com or (916) 438-4435.

Why sponsor:

  • Maximize your company’s brand awareness and increase your market position
  • Gain direct access to member banks and institutions in an exclusive environment
  • Raise your profile above your competitors
  • Learn about the issues confronting today’s financial service leaders and gain valuable insight into potential solutions
  • Match your exposure needs, regardless of your budget
  • Shape or reinforce a positive perception of your company with bank executives
  • Support the Western Bankers Association, the largest non-profit banking organization serving the West Coast financial services industry