Banking Large Block Depositors – Collateral Mechanisms

Finance & Accounting

For community-focused financial institutions, attracting large-block depositors can be a challenge when they require or request securitization of their deposits in excess of FDIC /NCUA insured limits. However, there are a number of securitization options available to financial institutions. In this session, attendees will learn to understand the complexities of each securitization method and how they may vary by the type of depositor, which is key for a financial institution to successfully execute their larger block funding strategy.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Chief Financial Officer, Director

Learning Objectives

  • Define and profile various securitization options for large block depositors
  • Understand the pros and cons for each securitization option from a financial institution’s and depositor’s perspective
  • Analyze when to use various securitization options


Jim Lutter
Senior Vice President-Trading and Operations
PMA Funding

Jim Lutter joined the firm in 2001 and has held several roles within the PMA companies. He began as director of bank funding and currently serves as senior vice president-trading and operations where he is responsible for bank funding, trading and operations. Prior to joining the firm, he spent 11 years in a variety of roles including treasurer for Ingersoll Milling Machine Company. Jim earned his Bachelor of Science in mechanical engineering from the South Dakota School of Mines and Technology and his Master of Business Administration in finance from Rockford College. He holds Series 7, 24, 50, 53, 63, 65 and 99 FINRA licenses.

Todd Terrazas
Business Development & Product Manager
PMA Funding

Todd joined the firm in 2014 as a financial analyst for PMA’s credit team, and he currently serves as business development & product manager. He is responsible for developing bank partner relationships and managing funding product solutions and association affiliations. Todd also engages in strategic planning and identifying market trends through extensive market research. Prior to joining the firm, Todd was a market research analyst at Common Goal Systems, Inc. He earned his Bachelor of Arts in finance from Calvin College.  

Webinar Fees

Pricing For Price Season Pass
Bank Member $195 $0
Bank Nonmember $249 $0
Affiliate Member $195 $0
Affiliate Nonmember $249 $0

Season Pass Members receive 4 individual logins to every webinar

Additional Info

Participants will earn 1.0 CPE credit

Field of Study: Specialized Knowledge

Prerequisites: None

Advanced Preparation: None

Program Level: Basic

Delivery Method: Group Internet Based

Refunds and Cancellations: Webinar registrations are non-refundable. If the registrant is unable to attend the designated time and date of the webinar, a playback link and any written materials will be provided within 2 business days following the conclusion of the webinar

Western Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its


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