Lending & Deposits Track

Expert insight and guidance for today’s lending and retail environments including agriculture, small business, consumer and commercial products.

(Sessions are subject to change)

Don’t Let Competing Ag Lenders Leave You in the Dust

Monday March 18     12:30 PM - 1:25 PM     Room 208B
Patrick Kerrigan, VP, Business Development, Farmer Mac
Sarah Prince, Relationship Manager, Farmer Mac 


While farm economic indicators are a mixed bag, ag real estate debt is projected to increase by more than five percent in 2018. Will your bank capture your share of new loan volume or will competitors outmuscle you? Learn how to build your ag lending portfolio while meeting and beating your competition!

Turn Up Your Profits With a USDA Loan Guarantee

Thursday March 21     7:30 AM - 8:25 AM     Room 205BC
Mark Brodziski, Acting Deputy Administrator, Business Programs, Rural Business-Cooperative Service, USDA
Rich Davis, Deputy Administrator for Community Programs Rural Development, USDA
Ana Placencia, Finance & Loan Analyst, Single-Family Housing Guaranteed Loan Division Rural Development, USDA
Edna Primrose, Assistant Administrator, USDA

Discover how Rural Development (RD) programs can expand relationships and serve the credit needs of rural small businesses, essential community facilities, and rural infrastructural development. RD programs are excellent tools for lenders to expand legal lending limits, participate with the secondary market, increase ROI, reduce risk, and explore new lending opportunities. Find out how your bank can leverage USDA lending programs to generate new customers, expand loan portfolios, and hit the high notes with profits. As Carrie Underwood says, "Throw caution to the wind and just do it." 

Ag Outlook: Strategies to Keep Producers in Business

Monday March 18     1:40 PM - 2:35 PM     Room 208B
Randy Allen, CEO, RWA, Financial Services, Inc.

Some farmers will be successful even as the ag economy stumbles while others will experience deteriorating financial conditions. Learn marketing strategies your customers can use to remain viable and the economic factors domestically and internationally that will impact your customers' financial picture.

A Digital Mortgage Transformation Journey

Wednesday March 20     7:30 AM - 8:25 AM     Room 205BC
Shane Hartzler, Director Product Development, Fannie Mae


See how digital technologies offer community banks a competitive advantage and better customer experience during the mortgage transformation journey. Learn about the current industry landscape, implementation, and delivery, and learn what Fannie Mae is hearing from customers and industry players.

Interest Rate Risk and Your Credit Portfolio

John Behringer, Partner, Risk Advisory Services, RSM US LLP

As we see a normalization of interest rates following a prolonged low interest rate environment what are issues that you need to consider? Do you fully understand the impact increasing interest rates may have on your credit portfolio's performance? Receive practical guidance pertaining to stress testing, the evaluation of risk acceptance criteria (RACs) for consumer loans, and underwriting considerations. We will discuss issues unique to specific loan classes. Leave with best practices that will benefit your community bank from origination through monitoring.

Bank Executive Panel: Real-World SBA Lending Strategies and Tips

Thursday March 21     8:40 AM - 9:35 PM     Room 209A
Arne Monson, President, Holtmeyer and Monson


How can your bank easily gain 10-12 points of premium from SBA lending without adding extra staff or expense? What are the hottest market segments that you may be missing out on now? A panel of successful SBA lending bank executives and experts delve into best practices and acquired wisdom that will help any community bank drive a profitable and effective SBA lending program.

Deposits and Funding: What Now?

Wednesday March 20     7:30 AM - 8:25 AM     Room 205A
Peter Weinstock, Partner, Hunton Andrews Kurth

More than a third of all banks have loan-to-deposit ratios above 90 percent. Such levels are a concern due to expected outflows from banks to Wall Street. What are the economic underpinnings of these issues, how are regulators looking at these issues, and what should banks be doing?

Beyond Theory: Simple Solutions to Calculate Your CECL Reserve

Wednesday March 20     8:40 AM - 9:35 AM     Room 208A
David Heneke, Principal, CliftonLarsonAllen
Josh Juergensen, Principal, CliftonLarsonAllen

Take a deep dive into the tools, estimators, and spreadsheets you need to comply and estimate CECL at your community bank.

Leveling the Playing Field

Monday March 18     1:40 PM - 2:35 PM
Mark Buchanan, President/CEO, BancLeasing


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 percent of that market is done via lease financing. Unfortunately, very few community banks have tapped in to this market. Learn how to use leasing to capture C&I loans you’re not currently seeing—and protect your existing customers from those money center bank competitors.

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