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Credit Conference

Credit Conference
This conference covers a wide range of hot topics related to credit during the Covid-19 pandemic. Please join us for this educational virtual event as we dive into an important look at the lending environment for Minnesota in 2021 and the future.

This webinar will be held via Zoom. Attend virtually from the comfort of your home or office! You will receive the webinar link the day prior to the webinar. Please note: Each link is uniquely coded and may only be used by the individual registered for the course. We ask that you do not share the link and reserve the right to remove unregistered attendees.

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.

Agenda    
9:00 a.m. Opening Remarks
9:10 a.m. Navigating Covid-19 and the Rough Credit Cycle in its Aftermath - David Ruffin, EVP, Intellicredit, a division of QwickRate
  A black swan named Covid-19 has ushered in a swift and dramatic end to the prolonged and recently benign credit cycle. Despite economic stimuli and regulatory relief, we can expect the credit degradation prompted by this crisis to be problematic and extensive. Now is the time to adopt aggressive new approaches to discover and monitor portfolio credit quality--both in aggregate and transactional--including loans affected by Covid-19. This session will explore the roles of senior management in this process and discuss regulatory expectations moving forward.
10:00 a.m. Break
10:10 a.m. Residential Lending is Evolving - Are You Keeping Up? - Paul Katz and Dean McCall, Promontory MortgagePath LLC

The past four years spawned multi-billion dollar ad campaigns from mega lenders reassuring consumers that getting a mortgage is simple now, thanks to technology. (Spoiler alert: it's not.) The perception may have changed, but mortgages aren't "easy," and the true transformation from an analog to a digital mortgage process is still in its infancy. This session will discuss the recent advancements in technology that are changing the residential lending process and explain the shift in borrowers' digital expectations.
 11:00 a.m. Stress Testing: Best Hedge Against Covid-19 Credit Uncertainties David Ruffin, EVP, Intellicredit, a division of QwickRate
  In this session we will discuss five effective ways to help safeguard your credit portfolio. Each one can help you plan for, measure, and control your bank's exposure to events that can send credit risk soaring. We will also discuss the advantages of tools that include both top-down (portfolio level) and bottom-up (loan level) approaches. This time around, minimize your losses by knowing where your portfolio might be moving and what type of capital cushion you have.
11:50 p.m. Break
12:00 p.m. Lessons and Pitfalls in Commercial Loan Pricing - Ed Kofman, CFA, Centerstate Bank Correspondent Division
  This session will focus on a few of the danger zones that you should avoid and will include strategies that allow lenders to address borrower requests for longer fixed-rate loans when competing with a national bank. How can banks make loans more profitable by adding additional sources of non-interest income? When does a swap program make sense for community banks, and what are the pros and cons to my bank and customers? How can I embed a prepayment penalty so my prospect does not have to come out-of-pocket? How can I offer borrowers the most value while maximizing relationship retention rates for the bank?
 1:00 p.m.  Conference Adjourns

Registration Fee

Member $295.00
Each additional person from same bank $255.00 
Qualified Non-Member $590.00

Note:  You will be given the option to pay by credit card or to invoice your company during the checkout process.

Date & Times

May 12, 2021
Program: 9:00 AM - 1:00 PM

Location

At Your Desk

Cancellation Policy

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 maryh@minnbankers.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. 

Special Needs

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 maryh@minnbankers.com at least two weeks prior to the program. We will contact you to discuss accommodations.

Photo Release

By registering, you hereby grant the MBA permission to use your likeness in a photograph, video, or other digital media in any and all of its publications or promotional materials, without payment or other consideration.

When
5/12/2021 9:00 AM - 1:00 PM
Where
At Your Desk

Please note that you must be logged in to register online

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