This conference covers a wide range of hot topics, including an update for lenders on banking and the economy, stress testing, CRE lending, balance sheet lending, and many more relevant topics. Please join us for this wonderful opportunity to network with your peers from across the state as we dive into an important look at the lending environment for Minnesota in 2020 and in the future.
Who Should Participate
This conference is designed for chief credit officers, senior lenders, commercial loan officers, consumer lending officers, loan support personnel, and senior management personnel involved in the credit and lending process.
|9:00 – 10:00 a.m.
||The Current State of Lending - David Ruffin, EVP, Intellicredit, a division of QwickRate
||Every bank has a loan approval process along with a loan or credit committee. But as competition to provide consumer, commercial real estate and small business loans accelerates, community banks need to make sure that sound lending policies are in place. This session will provide commentary and analysis on national and regional economic trends.
|10:10 – 11:00 a.m.
||Fair or Foul: Understanding Fair Lending Compliance Risk - Stephanie Lyon, JD, NCCO, NCRM, NCBSO, CAMS Vice President - Compliance, Ncontracts
||In the race to comply with fair lending regulations, the finish line is constantly moving. Evolving HMDA requirements and increased public interest in allegations of discrimination makes running afoul of fair lending regulations more than just a regulatory and financial headache. It can also be a public relations nightmare. This session will help you understand fair lending compliance risk and the nine essentials of a strong compliance management program. You’ll gain insights into how to protect your institution and ensure borrowers are treated fairly.
|11:10 – 12:00 p.m.
||Minnesota Commercial Credit Trends - Hugh Jacobs, Senior Commercial Banking Product Specialist, S&P Global Market Intelligence
||This session will discuss the aggregate Minnesota CRE and C&I lending trends and how those compare to national trends. We will also touch on trends in specific industries, niche land use types and average sizes of mortgage originations, as well as top mortgage originators.
|12:00 – 12:45 p.m.
|12:50 – 2:20 p.m.
||CRE Lending: Understanding Global Cash Flow Analysis to Make More Informed Decisions - David Ruffin, EVP, Intellicredit, a division of QwickRate
||Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios. Also, many borrowers still have large holdings of income-producing or rental real estate. Whether directly financing these assets or including the income streams in your overall credit analysis, it is important to understand key analytical concepts utilized in evaluating CRE cash flow.
|2:30 – 3:30 p.m.
||Current Regulatory Exam Focus and the Economy’s Effect on Banking and Credit
Jay Branger, OCC
Steve Flaten or Brian Geraets, FDIC
Tim Melrose, Federal Reserve Bank
Michael Crow, Minnesota Department of Commerce
Registration Fee (This fee includes materials, lunch and refreshments)
|Each additional person from same bank
Note: You will be given the option to pay by credit card or to invoice your company during the checkout process.
Dates & Times
February 19, 2020
Check in: 8:30 AM
Program: 9:00 AM - 3:30 PM
Minnesota Bankers Association
8050 Washington Avenue South
Eden Prairie, MN 55344
Click here for directions
Lodging arrangements can be made at: Hyatt Place, Eden Prairie. Click here to make an online reservation, or call 952-944-9700 - dial “0” for the front desk, (Ask for the Minnesota Bankers Association rate of $148.00, plus tax)
The MBA reserves the right to cancel programs due to insufficient enrollment, instructor illness, or other reasons. Participants wishing to cancel must inform the MBA in writing prior to the event. Send cancellation notices to email@example.com. A cancellation fee of 25% of the program cost will be charged for withdrawing, or you may send a substitute. The full program fee will be charged for withdrawing after the event has taken place or a no-show.
If you have a disability that may affect your participation in this program - or any dietary issues - please send a statement regarding any special needs to firstname.lastname@example.org at least two weeks prior to the program. We will contact you to discuss accommodations.