Lenders & Chief Credit Officers Conference
2022 Lenders & Chief Credit Officers Conference
The Ritz-Carlton, Laguna Niguel
Dana Point, CA
Please join us in beautiful Dana Point, California at the picturesque Ritz Carlton, Laguna Niguel for our 2022 Lenders & Chief Credit Officers Conference.
Register today!
Please make sure and reserve your hotel room today.
More details coming soon…
Hotel and Travel
The Ritz-Carlton, Laguna Niguel
One Ritz Carlton Dr
Dana Point, CA 92629
Hotel accommodations can be made by clicking here or by calling The Ritz-Carlton, Laguna Niguel reservations department at (949) 240-2000 or toll free at 1-877-266-6065. Please mention the Western Bankers (WB) to receive the special group rate. The Western Bankers group rate is starting at $299/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 Sunday, September 25, 2022. If the room block reaches capacity, the hotel may accept reservations on a space-available basis at the prevailing rates.
Agenda
*All times listed below are in local time.
**Agenda subject to change.
| Sunday, October 23, 2022 | |
|---|---|
| 12:00 PM – 5:30 PM | Registration Open |
| 12:00 PM – 1:00 PM | Exhibitor Set-Up |
| 1:00 PM – 2:15 PM | Welcome & Opening General Session Economic Update |
| 2:15 PM – 2:30 PM | Afternoon Break |
| 2:30 PM – 3:30 PM | Learning Sessions |
| Learning Session #1 The Loan From Hell Barry Smith Shareholder Buchalter |
|
| Learning Session #2 Growing Your Small Business Lending Program Gord Baizley CEO JUDI.AI |
|
| 3:30 PM – 3:45 PM | Transition Break |
| 3:45 PM – 4:45 PM | Learning Sessions |
| Learning Session #1 Utilizing Interest Rate Swaps to Increase Loan Growth and Remain Competitive Amber Evanco EVP, Managing Director PNC Capital Markets LLC |
|
| Learning Session #2 Innovating through Digital Transformation Richard Fay Principal Wolf & Company, PC |
|
| 4:45 PM – 5:45 PM | Welcome Reception |
| Monday, October 24, 2022 | |
|---|---|
| 8:00 AM – 3:15 PM | Registration Open |
| 8:00 AM – 9:00 AM | Breakfast & Marketplace Time |
| 9:00 AM – 10:00 AM | General Session Legislative Update Kevin Gould Executive Vice President, Director of Government Relations California Bankers Association Melanie Cuevas Vice President of Government Relations California Bankers Association |
| 10:00 AM – 10:30 AM | Morning Break |
| 10:30 AM – 11:30 AM | Learning Sessions |
| Learning Session #1 Digital Consumer Lending Strunk/ Quilo |
|
| Learning Session #2 Swaps: The Best Available Tool in Volatile and Uncertain Times Ben Lewis Managing Director & Global Head of Sales Financial Institutions Chatham Financial |
|
| 11:30 AM – 12:45 PM | Lunch & Marketplace Time |
| 12:45 PM – 1:45 PM | Learning Sessions |
| Learning Session #1 Where is the CFPB now? Michael Flynn Of Counsel Buchalter |
|
| Learning Session #2 Loan Growth Through Technology and Automation – Can Your Institution Handle the Change? Rob Newberry Senior Advisor Abrigo |
|
| 1:45 PM – 2:00 PM | Afternoon Break |
| 2:00 PM – 3:00 PM | Learning Sessions |
| Learning Session #1 Uncertainty on the Horizon: The Balance Between Loan Growth & Credit Quality Erica Crain Principal CLA Dustin Morris Director of Credit Risk Services CLA |
|
| Learning Session #2 LIBOR/SOFR Transition Zachary Davis, Esq. Senior Associate Luse Gorman, PC |
|
| 3:15 PM – 4:30 PM | Peer Exchange Session |
| Evening Open for Vendor Dinners | |
| Tuesday, October 25, 2022 | |
|---|---|
| 8:00 AM – 10:30 AM | Registration Open |
| 8:00 AM – 9:00 AM | Breakfast & Marketplace Time |
| 9:00 AM – 10:00 AM | Learning Sessions |
| Learning Session #1 HELOC Wolters Kluwer |
|
| Learning Session #2 Countermoves: How to Tap Into Fintech Paul Davis Director of Market Intelligence SRM |
|
| 10:00 AM – 10:15 AM | Morning Break |
| 10:15 AM – 11:15 AM | Session Session TBD |
| 11:15 AM | Conference Adjourns |
Kevin Gould
Executive Vice President, 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 executive 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.
Melanie Cuevas
Vice President of Government Relations
California Bankers Association
Melanie Cuevas serves as the vice president of government relations for the California Bankers Association, where her advocacy portfolio focuses mainly on issues related to cannabis, debt collection, labor and employment, political reform, privacy, and agricultural, student and military lending.
Barry Smith
Shareholder
Buchalter
Barry A. Smith is a Shareholder and a senior member of the Firm’s Litigation Practice Group and Chairman of the Financial Institutions 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. He also handles complex defense litigation including tort, contract law, and real estate.
Gord Baizley
CEO
JUDI.AI
Gord brings a broad range of financial, legal, and operational experience to JUDI.AI. He began his career in investment banking and corporate law. Subsequently, he held executive positions (CFO, CSO and COO) in two of Canada’s fastest-growing technology companies during the past two decades (which reached #1 and #5 on the Deloitte Fast 50 list). Gord enjoys the excitement and challenges that come with hyper-growth, and brings significant experience in scaling technology businesses to the JUDI.AI team, along with financial services expertise that contributes to the company’s product and go-to-market strategies.
Amber Evanco
EVP, Managing Director
PNC Capital Markets LLC
Ms. Evanco is an Executive Vice President/Managing Director in the Derivative Products Group in Capital Markets at PNC Bank. With over 20 years of experience, she has extensive knowledge of the fixed income derivatives market. In addition to direct sales coverage she is responsible for a team of salespeople and analysts focused on marketing, structuring and executing interest rate derivative products for PNC’s corporate and institutional clients.
Richard Fay
Principal
Wolf & Company, PC
Rich is a Principal in Wolf’s Assurance Group and leads the Firm’s Fintech Team. He has over 10 years of experience executing audit engagements and analyzing financial statements for public and private companies. Utilizing his knowledge from working with financial institution and technology companies, he monitors industry advancements and tracks critical trends to provide insight into innovative fintech solutions.
Ben Lewis
Managing Director & Global Head of Sales
Financial Institutions
Chatham Financial
Ben Lewis is a Managing Director and Global Head of Sales for Chatham’s Financial Institutions practice. He currently leads our business development efforts in the Western U.S., and since joining Chatham has worked with depositories of all sizes helping them manage interest rate risk through the prudent use of hedging strategies. Prior to his work with financial institutions, Ben worked with private equity firms and REITs to hedge their interest rate and foreign currency risk.
Michael Flynn
Of Counsel
Buchalter
Michael Flynn is a member of the Firm’s Commercial Finance Practice Group and Mortgage Banking Group, and Co-Chair of Buchalter’s Financial Services Regulatory Group, and its Title Insurance & Escrow Industry Group in the Los Angeles office. 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 regulatory, mortgage, consumer financial services, FinTech and real estate matters
Rob Newberry
Senior Advisor
Abrigo
Rob Newberry is Senior Advisor with Abrigo’s Advisory Services and a faculty member of the Graduate School of Banking at the University of Wisconsin-Madison. In the past 10 years, he has worked with financial institution leaders and regulators to develop a suite of credit administration tools for community banks and credit unions. Prior to Abrigo, Rob spent 15 years at Wells Fargo & Co., holding strategic and leadership roles in such areas as business intelligence and delivery innovation.
Erica Crain
Principal
CLA
- Manager of the national credit risk review team with engagement oversight, quality assurance responsibility, and execution of proposed scope of work to prospective and existing clients.
Zachary Davis, Esq.
Senior Associate
Luse Gorman, PC
Zachary Davis represents financial institutions and holding companies in a wide array of matters, including mergers and acquisitions, private and public offerings, mutual-to-stock conversions, holding company reorganizations, corporate and securities law, and general bank regulatory matters.
Paul Davis
Director of Market Intelligence
SRM
Paul Davis has 20+ years of experience following financial institutions. Prior to joining SRM, he was editor of community banking and M&A at American Banker, supervising the publication’s coverage of banks with up to $20 billion of assets.
Legislative Update
Join us as we hear from Kevin Gould and Melanie Cuevas, both from the California Bankers Association, as they provide their Legislative Update.
The Loan From Hell
A fast paced discussion o of the alternatives available to the Lender both pre and post judgment illustrated by a fact based loan scenario where that which could go wrong has gone wrong along with a cast of borrowers, guarantors, investors, and third parties you wish you could avoid!
Growing Your Small Business Lending Program
On the heels of COVID-19 and the Paycheck Protection Program (PPP), and as we enter a period of economic uncertainty, the demand for capital from small businesses is as strong as ever.
However, as a unique hybrid between consumer and commercial lending, lending to small businesses has typically been a challenge for community banks to execute efficiently and profitably. As a result, small businesses remain underserved, while we continue to see alternative lenders and other digital upstarts bring new and innovative offerings to market.
Small business lending is a natural fit for community lenders. By streamlining the loan application experience and underwriting process, providing loans to small businesses can be both a relationship play and a thriving business.
Join Gord as he explores the emerging opportunity to better serve your small business customers and grow your small business lending program.
Utilizing Interest Rate Swaps to Increase Loan Growth and Remain Competitive
Banks can expand their product capabilities by offering interest rate swaps as a fixed rate loan alternative, grow their loan portfolio, manage interest rate risk, meet customer needs and earn significant fee income by offering interest rate swaps to commercial borrowers. PNC will describe how banks are utilizing interest rate derivatives with their commercial customer base. We will also address real examples that illustrate the advantages of a loan level hedging program including the customer benefits and considerations, fee potential, competitive pricing and key elements to consider when choosing a service provider.
Innovating through Digital Transformation
The need for financial institutions to embrace technology and innovation has become increasingly apparent over the past two years. In order for financial institutions to achieve their strategic goals, the need to reexamine existing information technology infrastructures, third party relationships, and access to data is critical. With mounting pressure in the form of increased competition from large banks, fintech companies, and community institutions with advanced online capabilities, the time to explore digital transformation is now.
Swaps: The Best Available Tool in Volatile and Uncertain Times
Inflation, Fed rate hikes and global turmoil have created a level of uncertainty on par with the early 1980’s. Created in the midst of market turbulence 40 years ago, interest rate swaps are increasingly being utilized by community banks to protect the balance sheet from unwanted surprises.
Where is the CFPB now?
With its new director firmly in place, where is the CFPB heading? Under new leadership, where has the CFPB directed its focus? How is it viewing fair lending laws and enfacement? What is its (hopefully) post-COVID view on mortgage originations and servicing? Where is it regarding payday lending, small business lending, data collection, and other topical areas? Will its recent coordination with other enforcement agencies such as the FTC continue? What should banks be aware of and prepared for?
Loan Growth Through Technology and Automation – Can Your Institution Handle the Change?
One thing the Coronavirus Pandemic taught us was the importance of technology in our everyday lives. Financial Institutions with the most technology have outperformed peers in both loan and deposit growth during the Pandemic. However, having technology and effectively implementing it can be quite different responses. In this session we will discuss best practices in implementing technology and automation solutions to the lending side of the shop. We will also tackle change management issues that can derail successful implementation of new technologies at your financial institution.
Uncertainty on the Horizon: The Balance Between Loan Growth & Credit Quality
Now more than ever, these two forces with equal intensity are presenting bank management with competing strategic decisions to address. With uncertainty evolving, and on the horizon, the significance of moderating sustainable loan growth and monitoring potential movements away from current exceptional credit quality is imperative. In this session, we will discuss growth of various loan segments and effective credit risk mitigation strategies for maintaining sound credit quality.
Countermoves: How to Tap Into Fintech
Financial institutions have long had a fascination with fintech. While there are concerns about competition, more banks are finding ways to work with startups to segment their lending efforts and create faster/less onerous application processes. The pandemic punctuated the need for such collaboration. There are three main ways to do that: collaboration, investments/joint ventures, and outright acquisitions.
CPE Credits
The 2022 Lenders & Chief Credit Officers Conference will be offering 11 CPE credits.
The Western Bankers is registered with NASBA as a sponsor of continuing professional education on the National Registry of CPE Sponsors.
Mobile App
We will be utilizing the new WesternBankers app at our 2022 Lenders & Chief Credit Officers Conference. Download the app today in order to access the agenda, view the presentations, engage with other attendees, learn about event sponsors, get updates throughout the conference, and much more. Simply search “Western Bankers” in either the Apple App Store or the Google Play Store to download today. Once you are registered for the conference you will receive log-in instructions with the access code at a later date.
Golf
To make your golf reservations at Monarch Beach Golf Links please call the pro shop at (949) 248-3002 or go to www.monarchbeachgolf.com.
Pricing
| Pricing For | Price |
|---|---|
| WBA Bank Member | $995 |
| Bank Non-Member | $1,595 |
Register today. To register for the conference, please click on the “Register Online” button down below.
Please email Gina Titus @ registrations@westernbankers.com if you have any registration questions.
Cancellation Policy
Registration fees less a $75 processing fee per registrant will be refunded if cancellation is received by Friday, October 7, 2022. No refund if cancellations are received after Friday, October 7, 2022. Substitutions welcome.
Sponsorship Information
If you are interested or would like more information, please contact:
Jennifer Benson
VP, Conferences
(916) 438-4416 or jbenson@westernbankers.com
A few reasons your organization should sponsor and/or exhibit:
- Maximize your company’s brand awareness and increase your market position
- Gain direct access to WB 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, the largest non-profit banking organization serving the West Coast financial services industry
Staff Contact
REGISTRATION QUESTIONS? CONTACT:
registrations@westernbankers.com
EVENT QUESTIONS? CONTACT:
Jennifer Benson
VP, Conferences
(916) 438-4416
jbenson@westernbankers.com