Lending & Credit Conference
The Lending & Credit Conference begins at 8:30 a.m. Thursday, July 27, and concludes at 11:30 a.m. Friday, July 28.
Thursday, July 27
| 8:30 a.m. |
Registration, Breakfast and Trade Shw
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| 9 a.m. |
Call to Order & Welcome
Uncertainty on the Horizon: The Balance Between Loan Growth & Credit Quality
Erica Crain, Principal
Tod Stafford, Director
CLA
Now more than ever, two forces with equal intensity — loan growth and credit quality — 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. This session discusses growth of various loan segments and effective credit risk mitigation strategies for maintaining sound credit quality.
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| 10:15 a.m. |
Refreshment Break
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| 10:30 a.m. |
Breakout Sessions (sessions do not repeat)
Loan Growth Through Technology and Automation: Can Your Institution Handle the Change?
Rob Newberry, Senior Advisor
Abrigo
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. This session discusses best practices in implementing technology and automation solutions to the lending side of the shop. We also will tackle change management issues that can derail successful implementation of new technologies at your financial institution.
Swaps: The Best Available Tool in Volatile and Uncertain Times
Mike Bilello, Sales Director
Chatham Financial
Inflation, Fed rate hikes and global turmoil have created a level of uncertainty on par with the early 1980s. Created amid market turbulence 40 years ago, interest rate swaps are increasingly being used by community banks to protect the balance sheet from unwanted surprises.
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| 11:30 a.m. |
Lunch
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| 12:15 p.m. |
Breakout Sessions (sessions do not repeat)
The Everchanging Landscape of Credit Scores & Credit Data
Kevin Thompson, Relationship Manager
Confluent Strategies
This session discusses the latest updates for score models and calculations, including factors that are driving analytics in new credit score models. Topics also will cover how to leverage dual score strategies to evaluate risk of your portfolio, as well as customer credit scores and their financial health.
Get Up to Date: Latest Developments with Distressed Agricultural Loans
Michael Fielding, Partner
Husch Blackwell
Just like Missouri’s weather, the legal landscape for distressed agricultural loans is constantly changing. Lenders who aren’t paying attention to what’s happening may inadvertently step into a mess when they step onto the farm. This session will address key recent legal developments impacting distressed agricultural loans, with a particular emphasis on practical points and best practices that banks should keep in mind when dealing with row crop and livestock producers.
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| 1:15 p.m. |
Refreshment Break
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| 1:30 p.m. |
Breakout Sessions (sessions do not repeat)
SBA Guaranteed Lending: Using SBA to Mitigate Risk & Common Portfolio Issues
Michael McWhorter, Lead Lender Relations Specialist
Small Business Administration Kansas City District Office
This session covers how your bank can use SBA guarantees to mitigate risk in commercial lending portfolios. For those with SBA loans on the books, common issues in loan files also will be covered to help you improve your documentation.
How to Generate More Profit and Add More Discipline and Consistency to Your Pricing Process
Dan Roderick, CEO
Strunk/ Quilo
Are you 100% comfortable with the method you employ today to set rates on loans and deposits? Do you worry at times that you are just matching the competition or sometimes that your lenders are more concerned with giving the customer a good deal versus making money for the bank? Most bankers would say they are not completely comfortable with their pricing methodology and matching the competition or giving “one of our best customers” a good deal too often is the first club out of the bag.
This session will explore the factors that should be considered when setting rates on loans and deposits. Methods to drive consistency also will be discussed — not just consistency from lender to lender but also consistency from one product to another and over time. In addition, the session will address methods to establish more discipline in pricing, how to win more business without matching the competition, increasing profit through a more formal pricing process and gaining lender buy-in.
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| 2:30 p.m. |
Refreshment Break
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| 3 p.m. |
Managing Liquidity is More Challenging Than Ever
Allen North, Vice President
Federal Reserve Bank of St. Louis
Liquidity is clearly one of the leading challenges facing community bankers following three of the largest bank failures in history this spring. These failures highlighted the importance of understanding and monitoring uninsured deposits and funding concentrations, as well as having an up-to-date, dependable contingency funding plan that will provide cash on a given day.
This session will cover current banking conditions as liquidity has tightened in this rising rate environment. In addition, we will cover evolving supervisory expectations as regulators and the industry attempt to learn from the recent bank failures and market turbulence. The Bank Term Funding Program, which was created in response to the recent market disruptions in an attempt to ease contagion, will be discussed in detail, along with recommendations for other sources of contingency funding. |
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| 4 p.m. |
Networking Reception | Dinner on Your Own
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Friday, July 28
| 7 a.m. |
Breakfast
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| 8 a.m. |
Strategies to Increase Talent Retention, Coach and Engage Your Teams
Sean C. Payant, Ph.D., Chief Strategy Officer
Haberfeld
Team members who feel like they are valued and growing are more likely to stay with your organization. The result of decreased turnover is increased productivity and overall profitability. So, how do you get there? The key to your financial institution’s success is investing in and equipping your team leaders with the skills and tools to effectively coach team members to excellence. This session will explore actionable strategies designed to help your managers develop their teams and resources to Cultivate™ growth.
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| 9 a.m. |
Refreshment Break
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| 9:15 a.m. |
CRE Metrics and Headwinds Community Bankers Need to Know
David Ruffin, Principal, IntelliCredit™
QwickRate
There’s been a lot of CRE headwinds in the past few years: the e-commerce revolution, the work-from-home paradigm shift for office space, record interest rate increase velocity, etc. Even Berkshire Hathaway Chairman Charlie Munger warned recently that, “A lot of real estate isn’t so good anymore. We have a lot of troubled office buildings, a lot of troubled shopping centers, and a lot of troubled other properties. There’s a lot of agony out there.” To add to this risk, American regional and community banks have continued their 30-year love affair with CRE. This session looks at current CRE financing metrics and what’s emerging defensively for banks to anticipate and reduce credit quality problems for this heretofore “go to” lending staple. |
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| 10:15 a.m. |
Refreshment Break
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| 10:30 a.m. |
Glass Half Full or Half Empty — 2023 Economy at the Mid-Point
Chris Kuehl, Managing Director
Armada CI
My father, an engineer, would assert one has the wrong vessel for the liquids on hand. In economic terms, it will come down to how we are coping with a downturn that could become a recession, as well as a persistent inflation threat, not to mention the chronic issues of labor, supply chain disruption and geopolitics. There are most certainly some dark clouds but some silver linings as well. What does all this mean for bankers in Missouri? |
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| 11:30 a.m. |
Adjourn
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