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Create Loan Portfolio Growth, Find Strategies to
Serve Members, Approve More Loans,
Network With Peers...Plus, More!
View the Lending Conference Brochure Here
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| Tuesday, February 14 |
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| 8:00–9:00 a.m. |
Registration, Continental Breakfast & Vendor Showcase |
| 9:00–9:30 a.m. |
Welcome and League Update
Facilitated by David Adams |
| 9:30–9:45 a.m. |
Express Break |
| 9:45–10:45 a.m. |
Lending Keynote
Consistently Growing Loans in a Tough Economy
Facilitated by Brett Christensen
The current lending environment will likely be as challenging as most lenders will experience in their careers. Members have cut spending in the face of a recession, unemployment numbers are high, car sales are average at best, real estate values have fallen, bankruptcy filings are high and there is certainly no guarantee that this is a short-term situation. Is it all doom and gloom or is it still possible to grow loans in this difficult environment? By keeping an open mind and embracing specific ideas, it is possible to achieve loan growth even in a tough economy. |
| 10:45–11:00 a.m. |
Break |
| 11:00 a.m.–Noon |
Breakout Sessions |
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Small Business Lending Opportunities for Credit Unions
Facilitated by Terry McHugh
Get the scoop on how credit unions can benefit by offering small business loans and learn about the most popular risk-mitigation programs offered through the State of Michigan and the Small Business Administration. Current and prospective business lenders will find great small business lending resources. |
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Appraisal Madness: How to Know if the Value is Supported?
Facilitated by Blaine Rada
Take a closer look at the ins and outs of the appraisal process to determine what is necessary to support appraised values. Join in on this discussion about options when the perfect comparable property is not available and leave with techniques that will take the madness out of reviewing appraisals. |
| Noon–1:00 p.m. |
Lunch |
| 1:00–2:15 p.m. |
Breakout Sessions |
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Bad Credit:
Learning to Make Loans to Members With Bad Credit!
Facilitated by Brett Christensen
Some credit unions love to make loans and others only love to make loans to members with good credit. Learn how to successfully serve the lending needs of members that have bad credit by finding the specific tools and motivation to help make loans to more underserved credit union members. |
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Assessing Risk in Volatile Times Without Losing Your Shirt
Facilitated by Blaine Rada
The state of the economy has made it as challenging as ever to assess risk. This discussion will share various ways to measure risk in the mortgage industry and explain the emerging field of behavioral economics to help attendees learn to identify roadblocks that inhibit good decision making. |
| 2:15–2:45 p.m. |
Dessert With Vendors |
| 2:45–4:00 p.m. |
Breakout Sessions |
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Lending Solutions for Serving the Underserved Market and Building Productive Borrowers
Facilitated by Beth Troost
Help members of modest means and low-wealth access affordable loans with attractive terms and conditions. Many of these consumers utilize expensive and often predatory alternative financial services which hamper their ability to build assets and improve their financial position. Learn what is available to help these members with consumer friendly lending products and financial education to improve their financial lives and transition into prime borrowers and loyal members. |
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Building Market Share in a Purchase Market
Facilitated by Blaine Rada
Branding, strengths and value-added services do not go far enough to create top-of-mind positioning to build market share. Find techniques to create real competitive advantages based on a 3-part definition and learn to successfully reach un-tapped markets. |
| 4:00–5:00 p.m. |
Networking with Vendors & Reception |
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| Wednesday, February 15 |
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| 7:30–9:00 a.m. |
Registration, Vendor Showcase & Breakfast Buffet |
| 8:15–8:45 a.m. |
Credit Union Difference Campaign Presentation
The Michigan Credit Union Difference campaign continues to pick-up momentum. Get a quick update on the direction of the highly successful “Own Your Money” advertising strategy and what new efforts are in place for 2012. |
9:00–10:00 a.m.
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General Session
Putting the ‘Credit’ Back Into Credit Union
Facilitated by Tim Harrington
In recent years, many credit unions have become mostly ‘savings institutions’. Loan portfolios have slackened, deposits have flowed and many borrowers have seen credit scores decline. Get ready to embrace the mind-set and practices needed to become a ‘credit’ union once again and make lending a core business.
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| 10:00–10:30 a.m. |
Break and Hotel Room Checkout |
| 10:30–11:45 a.m. |
Breakout Sessions |
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Identifying Risk in Your Loan Portfolio
Facilitated by Tim Harrington
With the state of the economy, many loan portfolios have taken on significant risk. As credit unions continue to recover from the recession, it is essential that lenders remain aware of potential weaknesses in portfolios and understand methods to review and identify the threat of losses. |
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Troubled Debt Restructuring
Facilitated by John Kolhoff, John Karisny and Dan Mahalak
There are certain legal considerations that need to be examined when making decisions to modify or restructure a member’s loan, as well as certain accounting requirements that must be followed. Learn the ins and outs from this panel of experts who will also be available to answer questions. |
| 11:45 a.m.–12:45 p.m. |
Lunch |
| 12:45–2:00 p.m. |
Breakout Sessions |
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Balancing Risks With Rewards of Indirect Lending
Facilitated by Tim Harrington
It is possible to be successful in the auto loan business by setting up dealer relationships that are beneficial to a credit union, dealers and members. Get the tips to make indirect auto lending thrive by understanding pricing, commissions and monitoring controls to keep dealers honest. |
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Rewards Programs: How to Make the Most of Them
Facilitated by Lisa Rizk
Take a closer look at what a reward program really is, the different type of rewards programs there are, what credit unions, financial institutions and others are doing, if rewards programs really work and how to create or use a program that suits a credit union’s specific objectives. |
| 2:00–2:15 p.m. |
Break |
| 2:15–3:15 p.m. |
Breakout Sessions |
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Spotlight on Grand Rapids Family Credit Union
Facilitated by Kevin Langseth and Amanda Vogt
Benefit from a first-person account of how Grand Rapids Family Credit Union increased loan growth by using "out of the ordinary" loan techniques to diagnose each members needs, including a look at the challenges of maintaining a low delinquency rate and empowering and motivating staff. |
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Top 10 Compliance Issues for Lenders
Facilitated by Shawn Wolbert
Over the last two years the credit union industry has experienced sweeping changes involving lending compliance and it is time to prepare for more upcoming regulatory reform. This session will focus on issues such as Regulation Z, the SAFE Act and the Consumer Financial Protection Bureau to help attendees understand current key compliance areas, common violations within those areas and updates on upcoming regulatory actions, and to gain tools and insights for improving lending compliance efforts. |
