Lenders & Chief Credit Officers Conference

Hotel

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

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

Opening Keynote

Steve Cibull
Vice President, Mortgage Finance
Federal Home Loan Bank of San Francisco
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 and the Impact
of the Adjustable Interest Rate (LIBOR) Act
 


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

Instant Credit Decisioning:
What Every Banker Needs to Know


Rohit Arora
CEO
Biz2X
  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 Closing General Session

Why a FinTech Partner in a Rising Rate Environment

Nik Vukovich
Director Financial Institution Partnerships
Upgrade, Inc.
11:15 AM Conference Adjourns
Speakers

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.

Speakers

Nik Vukovich
Director Financial Institution Partnerships
Upgrade, Inc.

Based in Denver, Colorado, Nik Vukovich is responsible for Upgrade’s Bank Partnerships in the Western US. Nik is a seasoned FinTech executive with over a decade of experience in developing asset partnerships with Banks. Nik previously helped lead marketing partnerships for the consumer lending division of Truist (SunTrust / LightStream) and prior to that built out the fintech acquisition channel for one of the largest debt acquisition companies in the United States.

Speakers

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.

Speakers

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.

Speakers

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.

Speakers

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.

Speakers

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.

Speakers

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

Speakers

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.

Speakers

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.
Speakers

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.

Speakers

Rohit Arora
CEO
Biz2X

Rohit Arora is the CEO and co-founder of Biz2Credit and is responsible for driving Biz2Credit to its leadership position. Rohit is often quoted on small business lending by major news media, including the New York Times, Wall Street Journal, Bloomberg, Entrepreneurs, American Banker, CNNMoney, MSNBC, Inc., and the Washington Post.

Speakers

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.

Sessions

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.

Sessions

Why a FinTech Partner in a Rising Rate Environment

This session covers how machine-learning credit models, digital customer acquisition, digital asset purchasing programs and innovative product can help banks in a rising-rate environment manage for balance sheet diversification, liquidity, and income. This session will provide an overview and key takeaways about partnering with FinTech to complement existing strategies through technology and online consumer lending best practices.

Sessions

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!

Sessions

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.

Sessions

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.

Sessions

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.

Sessions

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.

Sessions

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?

Sessions

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.

Sessions

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.

Sessions

LIBOR/SOFR Transition and the Impact of the Adjustable Interest Rate (LIBOR) Act

The end to the publication of USD LIBOR is less than a year away. The Federal Government passed the Adjustable Interest Rate (LIBOR) Act, and in July 2022 the Federal Reserve proposed effectuating regulations, intended to address the discontinuation of USD LIBOR by setting up SOFR-based fallback benchmarks for certain agreements utilizing LIBOR. Banks should be aware of the different SOFR-based benchmarks proposed by the Federal Reserve, the types of contracts and in what circumstances each fallback benchmark will be applicable, how the fallback benchmarks differ from the LIBOR benchmarks they are replacing and what options banks may have to chart their own path in the transition.

Sessions

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

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

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.

Pricing

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.

Register Online

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

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