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 online 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 Western Bankers Association (WBA) to receive the special group rate. The WBA rate is starting at $289/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, October 17, 2021. 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, November 14, 2021
2:00 PM – 6:00 PM Registration Open
3:00 PM – 4:30 PM Exhibitor Set-Up
4:30 PM – 5:30 PM Welcome Reception
Monday, November 15, 2021
8:00 AM – 4:30 PM Registration Open
8:00 AM – 9:00 AM Breakfast & Marketplace Time
9:00 AM – 10:25 AM Opening General Session

Making and Sustaining an “All-Weather” Credit Culture

Tim Bruckner
Chief Credit Officer
Western Alliance Bancorporation
10:25 AM – 10:40 AM Morning Break
10:40 AM – 11:40 AM Learning Sessions
  Learning Session #1

Leveling the Playing Field

Mark Buchanan

President & CEO
BancLeasing, LLC
  Learning Session #2

The Resiliency of the Leveraged Loan Market

Brendan Hart
Director
Alliance Partners

Sally Hazen
Western Region Managing Director

Alliance Partners
11:40 AM – 12:45 PM Lunch & Marketplace Time
12:45 PM – 1:55 PM General Session

Interactive Discussion with Bank Chief Appraisers

David Rosenthal
President & CEO
Curtis-Rosenthal, Inc.

William Jones
Senior Vice President, Chief Appraiser
Citizens Business Bank

Kenneth Hall
Director Appraisal
First Citizens Bank

Ernie Lopez
SVP, Chief Appraiser

East West Bank
1:55 PM – 2:10 PM Afternoon Break
2:10 PM – 3:10 PM Learning Sessions
  Learning Session #1

Issues in Commercial Lending:
Emerging from COVID-19 and the Path Forward


Gary Tokumori
Shareholder
Parker Milliken

Ken Miller
Deputy General Counsel and Senior Vice President
Legal Department
Manufacturers Bank
  Learning Session #2

Grow Loans and Protect Income Through Hedging

Ben Lewis

Managing Director
Chatham Financial
3:10 PM – 3:15 PM Transition Break
3:15 PM – 4:30 PM General Session

Legislative Update

Kevin Gould

Senior Vice President, Director of Government Relations
California Bankers Association
  Evening Open for Vendor Dinners
Tuesday, November 16, 2021
8:00 AM – 4:15 PM Registration Open                                                          
8:00 AM – 9:00 AM Breakfast & Marketplace Time
9:00 AM – 10:10 AM General Session

Cryptocurrencies: A Lender’s Friend or Foe?

Scott Goodwin
Principal

Wolf & Company, P.C.
10:10 AM – 10:30 AM Morning Break
10:30 AM – 11:30 AM Learning Sessions
  Learning Session #1

The Workout and/or Settlement Agreement -
Twenty Five Must Have but Often Forgotten Provisions


Barry Smith

Attorney
Buchalter APC
  Learning Session #2

No More Excuses – Leverage Loan Pricing For Better Results

Darryl Mataya

Senior Advisor
Abrigo
11:30 AM – 12:45 PM Lunch & Marketplace Time
12:45 PM – 1:45 PM Learning Sessions
  Learning Session #1

The Benefits of Working Capital Loan Guarantees by the Export-Import Bank of the United States

Michael Dwiggins

Lender Account Manager
Export Import Bank of the United States
  Learning Session #2

Demise of LIBOR: Where We Are and Where We Are Going

Joel Cook

Attorney, Partner and Practice Group Manager
Aldrich & Bonnefin, PLC
1:45 PM – 2:00 PM Afternoon Break
2:00 PM – 3:00 PM General Session

Economic Update

Dr. Jim Doti
Professor, President Emeritus
Chapman University
The George L. Argyros School of Business and Economics
3:00 PM – 3:15 PM Transition Break
3:15 PM – 4:15 PM Peer Exchange Sessions
4:15 PM – 5:30 PM Reception
Wednesday, November 17, 2021
8:00 AM – 11:15 AM Registration Open                                                     
8:00 AM – 9:00 AM Breakfast & Vendor Prize Drawings
9:00 AM – 10:00 AM Learning Sessions
  Learning Session #1

Managing Concentrations in a Post-Pandemic World

Adam Mustafa
CEO
Invictus Group
  Learning Session #2

Balance Sheet Management Strategies to Improve Loan Profit

Matt Johnner

President
BankLabs
10:00 AM – 10:15 AM Morning Break
10:15 AM – 11:15 AM Closing General Session

The Seven Degrees of Cannabis Lending

Joe Lynyak
Partner

Dorsey & Whitney LLP

Peter Nelson
Partner

Dorsey & Whitney LLP
Speakers

Tim Bruckner
Chief Credit Officer
Western Alliance Bancorporation

Tim R. Bruckner is Chief Credit Officer of Western Alliance Bancorporation.

As CCO, Mr. Bruckner is the senior executive of Western Alliance’s credit administration department, with oversight of all the organization’s credit and lending processes and functions. Prior to becoming CCO, Mr. Bruckner was divisional Chief Credit Officer of Alliance Bank of Arizona, with full credit oversight of the division’s loan portfolio.

Speakers

Dr. Jim Doti
Professor, President Emeritus
Chapman University
The George L. Argyros School of Business and Economics

James Doti earned his B.S. degree in economics from the University of Illinois, Chicago, and his M.A. and Ph.D. degrees from the University of Chicago. 

He was appointed president of Chapman University in 1991 and served for 25 years.  In September 2016, he returned to the Chapman faculty. He holds the Donald Bren Distinguished Chair in Business and Economics.

Speakers

David Rosenthal
President & CEO
Curtis-Rosenthal, Inc.

David Rosenthal, MAI, FRICS has over 35 years of experience providing commercial real estate appraisals, appraisal reviews and appraisal consulting for financial institutions, attorneys, corporations and public agencies throughout California. He is a founding principal of Curtis-Rosenthal, Inc., a commercial real estate appraisal firm with over 200 years of collective appraisal experience among its team of professionals.

Speakers

William Jones
Senior Vice President, Chief Appraiser
Citizens Business Bank

William E. (Bill) Jones is a Senior Vice President and Chief Appraiser of Citizens Business Bank (CBB) in Ontario, California and has been with the Bank since 2014. His primary responsibility is CRE risk collateral valuation management and as such is responsible for the entire real estate valuation process and ensuring real estate appraisal regulatory compliance.

Speakers

Kenneth Hall
Director Appraisal
First Citizens Bank

Kenneth R. Hall serves as Director Appraisal for Raleigh, N.C. headquartered First Citizens Bank. He is responsible for overseeing all aspects of the company’s real estate collateral valuation functions and activities. He has served in this position since November 2011.     

His background and expertise in commercial and residential appraisal, real estate valuation modeling, and management of appraisal departments for various lending institutions augments the Director Appraisal role with a strong expertise in commercial real estate valuation.

Speakers

Kevin Gould
Senior 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 experience as staff in the California Legislature. In his role as senior vice president and director of government relations, he oversees the management and operation of CBA’s government relations department and also serves as one of CBA’s three registered lobbyists.

Gould oversees CBA’s Federal Government Relations Committee, State Government Relations Committee and internal policy committees, who provide expertise and directives that guide the priorities of the association’s government advocacy program.

Speakers

Scott Goodwin
Principal
Wolf & Company, P.C.

Scott is a Principal in Wolf’s Assurance Group and leads the Firm’s Technology Team. He provides audit and advisory services to rapidly growing entrepreneurial technology companies—consulting on complex accounting matters such as revenue recognition, equity and derivative instruments, business combinations, internal control best practices, and corporate governance. He also has significant experience with U.S. Securities and Exchange Commission (SEC) registrant considerations such as initial public offerings (IPO), reverse mergers, and crowdfunding.

Speakers

Joe Lynyak
Partner
Dorsey & Whitney LLP

Joe is a long-time advisor to the financial services industry, with a depth of experience that allows him to “connect the dots” for clients in the complex (and sometimes conflicting) regulatory and statutory schemes confronting financial intermediaries.

Joe is a partner in the Firm’s Finance & Restructuring Group and a member of the Banking Industry Group. He practices in both the Firm’s Washington, D.C. and Southern California offices.

Speakers

Peter Nelson
Partner
Dorsey & Whitney LLP

Peter Nelson is a partner in Dorsey & Whitney’s Finance & Restructuring Practice Group and co-chair of the Banking & Financial Institutions Industry Group. He helps clients navigate complex commercial financing arrangements and energy transactions. Peter regularly represents agents, lenders, borrowers, developers and private equity groups in all aspects of leveraged financings,

Speakers

Mark Buchanan
President & CEO
BancLeasing, LLC

Mark Buchanan is the President and CEO of BancLeasing, LLC (majority owned by Somerset Capital Group Ltd in CT). He was one of the founders of BancLeasing, LLC (acquired by Somerset in 2016). He has over 28 years experience in credit and leasing, having worked for Motorola Communications & Electronics, Chrysler Capital’s System Leasing Group, and CLG, Inc. prior to starting BancLeasing. Mark received his BBA in Finance from Baylor University in 1987, and his MBA in Management and Finance from Baylor University in 1991.

Speakers

Brendan Hart
Director
Alliance Partners

Brendan is a Director of Client Services at Alliance Partners. Brendan joined the Clients Services team after spending three years working with the Portfolio Management and Underwriting team at Alliance Partners.

Speakers

Sally Hazen
Western Region Managing Director
Alliance Partners

Sally Hazen recently joined Alliance Partners as a Managing Director for the Western Region. Prior to AP, Sally was with Texas Capital Bank for 4 years where she developed a deposit portfolio of $1.5 billion. Sally was also President of Correspondent Banking for Opus Bank, recently sold to Pacific Premier Bank.

Speakers

Gary Tokumori
Shareholder
Parker Milliken

Gary Tokumori is a shareholder in the areas of business and commercial workouts and litigation. He has extensive experience in the representation of creditors, including financial institutions and leasing companies, in general business litigation, and as general counsel to emerging businesses.

Speakers

Ben Lewis
Managing Director
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

Barry Smith
Attorney
Buchalter APC

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

Darryl Mataya
Senior Advisor
Abrigo

Darryl Mataya is a Senior Advisor at Abrigo where he manages the Farin deposit and loan pricing services provided by Abrigo. He has been part of the banking industry since the 1980’s first as a designer and developer of software solutions to the industry. Along with Tom Farin, he co-founded Farin Financial Risk Management’s Internet division in 1995 and has managed the development of loan pricing, deposit pricing and core deposit analysis solutions. Darryl consults regularly with institutions on funding strategies, pricing analysis and loan strategies.

Speakers

Michael Dwiggins
Lender Account Manager
Export Import Bank of the United States

Michael Dwiggins serves as a Lender Account Manager for the Export-Import Bank of the United States (EXIM). In this role he assists financial institutions in utilizing EXIM products and capabilities for the maximum benefit of the banks and their customers.

Michael joined EXIM after a 30-year banking career that included 25 years in International Banking and managing the international divisions at two banks. His career has focused on Structured Trade Finance and Cross-border Lending supporting U.S. exporters globally and extensively in Latin America.

Speakers

Joel Cook
Attorney, Partner and Practice Group Manager
Aldrich & Bonnefin, PLC

Mr. Cook is a principal of Aldrich & Bonnefin, PLC, and has been with the firm since 2011.  Mr. Cook manages the firm’s Corporate Practice Group which includes commercial lending and corporate securities law. Mr. Cook regularly advises financial institutions and their boards of directors on various matters, including corporate governance issues, commercial lending matters, contracts and bank regulatory matters.

Speakers

Adam Mustafa
CEO
Invictus Group

Adam Mustafa is a co-founder of the Invictus Group. He has overseen the design and implementation of fully-customized capital stress testing, capital management, CECL, and strategic planning systems. He has also advised acquisitive and high growth banks, banks under enforcement actions, and de novos.

Speakers

Matt Johnner
President
BankLabs

Matt Johnner is a board member of Encore Bank, as well as involved in several community banks. Matt has become an expert in leading financial innovations and forward thinking banking procedures and processes. After graduating from Texas A&M, Matt spent time as a software engineer. Today, he is president of BankLabs, a partner to community oriented banks looking to differentiate themselves in the digital lending space.

Sessions

Interactive Discussion with Bank Chief Appraisers

Interactive discussion and Q&A with a panel of Bank Chief Appraisers about topics including: Value “Validations”, Appraiser Bias, SBA CDC’s, Distressed Loans, COVID Impacts on Valuations, Foreclosures, Broken Condos or Tracts, Consolidation of Interests in a Ground Lease, Higher Commodity Prices, Tenants not Paying Rent, Demand for Appraisals/Shortage of Appraisers.

Sessions

Legislative Update

Hear from Kevin Gould from the California Bankers Association, as he provides a legislative update for the state of California as well as a national update.

Sessions

Cryptocurrencies: A Lender’s Friend or Foe?

With bitcoin hitting all-time highs recently, China outlawing all crypto transactions and the term “defi” showing up seemingly everywhere, what is a commercial lender to make of crypto?  How vulnerable are traditional banks to significant disruption?  Or does crypto present new and exciting opportunities?  Hear from Wolf & Company’s national crypto practice leader about where crypto fits into the broader fintech industry, where a bank’s risks and opportunities might be and what every bank should be doing right now.

Sessions

Leveling the Playing Field

Every money center bank in the country offers leasing as a financing option when their commercial customers acquire equipment. Why? Because it is a $1T market and 61% of that market is done via lease financing. Unfortunately, very few community banks have tapped in to this market. We will show community banks how to use leasing to capture C&I loans they’re not currently seeing — and protect their existing customers from the financial institution competitors who offer leasing. In other words, we’ll help them level the playing field!!!

Sessions

The Resiliency of the Leveraged Loan Market

As financial markets came to a grinding halt in the Spring of 2020, forecasts were bleak not only for the leveraged loan market (“LLM”), but also for the U.S. economy at large. Fortunately, both have recovered from the depths of 2020 and the leveraged finance market has experienced a sustained recovery. In fact, it recently topped $3 Trillion (inclusive of both leveraged loans and high yield bonds). What does this mean for community banks and how can they benefit?

Sessions

Issues in Commercial Lending: Emerging from COVID-19 and the Path Forward

As we continue to deal with issues arising from the pandemic, it is critical for commercial lenders to understand the lessons from a still changing and uncertain financial environment created by COVID-19 circumstances in order to effectively resolve problem loans and to move forward with new loan origination. In this session, we will discuss the takeaways from various pandemic challenges and how best to effect strategies to handle problem loans. We will also explore a variety of current issues concerning loan documentation and origination as we work our way out of the COVID-19 pandemic.

Sessions

Grow Loans and Protect Income Through Hedging

The volatile rates markets of the past 18 months impacted nearly every bank. Some capitalized on the volatility by offering compelling fixed-rate commercial lending solutions; some by deploying excess liquidity. In both cases, these banks used swaps as a tool to grow and protect income.

Banks frequently ask:

  • Should we have swaps in our tool kit?
  • How and when should we use the hedging tool?
  • Where does adding the hedging tool fit in our priorities?

To learn how banks are addressing these questions, join Ben for this session.

Sessions

The Workout and/or Settlement Agreement – Twenty Five Must Have but Often Forgotten Provisions

Using a Bank or Law Firm’s standard/boilerplate Workout, Settlement, Forbearance, Modification and/or Repayment Agreement can be costly either by limiting your options in the event of default or exposing yourself to potential liability. Have you properly addressed Forgiveness of Debt/1099c, the One-Action Rule, limiting your ability to sell or assign the note, incentive and discount clauses, claw-back provisions, liquidated damages, discretionary conduct, etc. The presentation will focus on a common-sense and practical approach to creating an agreement that covers all the bases.

Sessions

No More Excuses – Leverage Loan Pricing For Better Results

Loan pricing models are commonly used now for both commercial and portfolio loan pricing. Nonetheless, some banks and credit unions remain on the fence, because setting up a loan modeling mechanism involves some discipline, time, and up-front costs associated with software, data gathering, potential strategy assistance, and reporting results. Their competitors have justified the additional resources because modeling provides more confidence of achieving overall income/return or growth targets when pursuing deals, or because modeling documents critical risk management assumptions like costs, turnover/prepayment information, and credit risk.

Sessions

The Benefits of Working Capital Loan Guarantees by the Export-Import Bank of the United States

Traditional commercial bank financing may not always be sufficient to meet the needs of U.S. exporters, especially given the repayment risk associated with international sales. Through EXIM’s working capital loan guarantees, U.S. exporters can obtain financing from participating lenders when traditional commercial financing is otherwise not available or when borrowing needs are greater than credit standards may typically allow.

Sessions

Demise of LIBOR: Where We Are and Where We Are Going

We will cover the current status of the London Interbank Offered Rate (LIBOR) and the banking regulators’ most recent expectations in terms of planning and moving away from LIBOR as an index for commercial loans, residential mortgages, derivatives and swaps, and other credit instruments. We will also discuss the various approaches and replacement indices to consider in terms of transitioning from LIBOR.

Sessions

Managing Concentrations in a Post-Pandemic World

Concentration risk management within the banking industry is transitioning from being a passive exercise in which generic targets for large buckets of loans such as CRE and construction as a percentage of capital were plucked out of thin air to an active and data-driven one that will incorporate all critical portfolio segments such as NAICS codes. The end result for those banks are a best-in-class risk management framework blessed by regulators and in many cases, increased lending capacity by having the data, analytics, and conviction to support higher limits.

CPE Credits

CPE Credits

The 2021 Lenders & Chief Credit Officers Conference has been approved for 13 CPE credits.

The Western Bankers Association 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 WBA app at our 2021 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 “WBA” 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 Online

Or complete the Registration Form below and email back to Gina Titus @ registrations@westernbankers.com.

Registration Form

Cancellation Policy

Registration fees less a $75 processing fee per registrant will be refunded if cancellation is received by Monday, November 1, 2021. No refund if cancellations are received after Monday, November 1, 2021. Substitutions welcome.

Sponsorship Information

Sponsorship Information

If you are interested in sponsoring this event, please contact Jennifer Benson, VP of Conferences at jbenson@westernbankers.com.

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