ABA Real Estate Lending Conference

April 8-10, 2015 • Baltimore Marriott Waterfront • Baltimore, MD

 

Overview  |  Registration/Fees  |  Program  |  Venue  |  Sponsors/Exhibitors

Conference Program

Who Should Attend

  • Chief Lending Officers
  • Secondary market officers
  • Mortgage lenders/professionals
  • Commercial real estate lenders
  • Loan product/production managers
  • REO/workout specialists
  • Commercial relationship managers
  • Appraisers
  • Loan Servicing Officers
  • Mortgage Insurance Executives
  • Credit professionals
  • Title company professionals
  • Legal counsel
  • Loan underwriters

Keynote Speakers  

2015 Session Topics

*Program Subject to change

Wednesday, April 8
Noon - 6:00 pm Registration
3:45 - 5:00 pm

Concurrent Sessions

1R-A

Successful Lending in Today's Landscape

Change is a force that continues to shape the mortgage lending business, bringing with it opportunity to strengthen the lending sales team at your bank.  Understand what truly motivates individuals to be successful lenders in today's environment and how your loan officers can rewire their brains to achieve sales growth.

Speaker:
Jason Abell, President, Rewire, Inc.

​1R-B

​Can Government Lending Open Doors to More Borrowers, More Profits?

As the conventional mortgage market has shrunk as a result of tight credit markets, government-insured lending - FHA, VA and RHS - is becoming an increasingly attractive option for lenders and borrowers, alike.  And while the sector was once dominated by the nation's largest banks, the market is transforming at an unparalleled pace to include many more competitors.  Mar K. Kinney, Ginnie Mae's executive vice president and chief operating officer, will explain these trends and answer your questions about Ginnie Mae's role in expanding consumer credit and increasing bank profitability.

Speakers:
Mary Kinney, Executive Vice President, Ginnie Mae
J. Tyler Gilday, Vice President, Director of Retail Lending, Lake Sunapee Bank, fsb

1C

A Bank's Guide to Investing in Community Development

By investing in their local communities, Banks can benefit substantially including: satisfying CRA requirements; fueling commercial growth; reducing portfolio risk, and lowering effective tax rates.  Our panel discussion will address community investment resources that can provide viable opportunities for this often challenging line of business.

Speaker:
Brien O'Toole, Deputy Director, Department of Housing and Community Development State of Maryland Department of Housing
Scott Hoekmann, SVP & Chief Credit Officer, Enterprise Community Partners, Inc.
Sadie McKeowan, Community Preservation Corporation, and CPC Resources Inc.
Ruth Louie, President/CEO, Baltimore Community Lending

5:00 - 6:15 pm

Opening Reception in the Marketplace

Thursday, April 9
7:00 am - 5:00 pm Registration
7:00 - 8:00 am Power Breakfasts
Accelerate Your Origination Business

Find out how next-gen loan origination - SaaS based - technology can help you fast-forward your opportunity to simplify compliance, boost profitability and grow your business.  From application through post-closing, we'll show you how today's solutions remove compliance bottlenecks, eliminate paper-intensive processes and help open channels to capture new business.  As your partner, D+H is positioned to help you take your lending to the next level. 

Speaker:
Michael Picker, Director of Strategic Accounts, D+H

​CRE Lending on the Rise: Are you Prepared for the Risk?

According to FDIC industry data, CRE loan balances are on the rise.  2014 was also a strong year for commercial real estate values - with some sectors reporting double digit price appreciation.  Regulators are reporting that banks are easing underwriting standards for CRE loans, including C&D - the segment with the highest loss rates during the financial crisis.  But with reward comes risks! The financial crisis resulted in many failures for community institutions that were heavily concentrated in CRE lending, yet some institutions survived, proving that above-average capital and good risk practices are not optional but required.  While prices may not be in bubble territory, yet, and risk buildup may not be in the pre-crisis range, now is the time to have in place enhanced credit risk controls, including portfolio level stress testing.  Join this session and learn some tips to get started or to enhance your current stress testing process and come away with a set of actionable items using the results. 

Speaker:
Michelle M. Lucci, CRCM, CAMS, Risk Management Consultant, Bankers Toolbox

8:15 - 9:15 am

​Opening General Session

The Need for Strategic Agility

Every organization, whether publicly traded or privately held, whether large or small, must balance the need for positive short-term results and positive long-term results.  The management behaviors and practices for meeting short-term objectives are vastly different than those necessary to meet long-term objectives, and often leaders from mid-level to the executive suite must excel in both areas.  This session discusses strategies for managing the uncertainty of the future.  Real business examples are used to reinforce the learning, and the session is energetic and interactive.

Speaker:
Kathy Pearson, PhD, President, Enterprise Learning Solutions, The Wharton School of Business , University of Pennsylvania

9:15 - 9:45 am

Break in the Marketplace

9:45 - 11:00 am Concurrent Sessions
2R

Increase Residential Mortgage Lending Profits in 2015

Safe and sound residential lending helps community and regional banks grow interest and fee income.  This presentation will help bankers understand how to help loan officers increase volume; identify opportunities through other loan types; and how to increase profits through efficiencies and technology. 

Speakers:
James M. Deitch, CPA, CMB, CEO, Teraverde Management Advisors
Frank Poiesz, Managing Director, Newbold Advisors, LLC

​2C

Commercial Real Estate - Throttling Up in 2015?

Commercial Real Estate Sector Fundamentals continued to improve in 2014; however, changes in the overall economy are impacting the CRE marketplace.  The session will provide an outlook for the CRE sector, as well as address issues influencing CRE such as Energy and Foreign Capital.

Speaker:
Brian Bailey, Senior Financial Policy Analyst - Commercial Real Estate Division of Supervision and Regulation, Federal Reserve Bank of Atlanta

​11:15 am - 12:30 pm

Concurrent Sessions

​3R

Surviving in the post-QM World

Banks are looking for new revenue sources that traditional loan products cannot deliver. Today's market requires considering alternative sources of residential lending, including​ expanding portfolio products and non-agency lending alternatives.  Hear from several leading industry experts about the need to balance risk with production as banks consider option in the market. 

Speaker:
Steve Farbstein, Group SVP/Head of Mortgage Banking, Park Sterling Bank
Christopher Kennedy, Managing Director, MontainView IPS

3C-A

Is Health Care Lending on Your Radar?

Given the aging demographics, the largest segment of the population will reach an age where the need for assisted living and nursing home alternatives will increase.  looking ahead over the next few years this asset class will become an increasingly important commercial lending portfolio consideration.  Gain insights on the latest trends, and how banks are participating in healthcare financing. 

Speakers:
Joseph A. Kenary, Jr., Executive Vice President, Assets, Alliance Partners
Ed Nordberg, CEO, Wakefield Capital, LLC

3C-B

C&I Opportunities for Community Banks

With limited growth in the CRE loan and business, some community banks are turning to C&I lending to utilize excess liquidity and provide yield.  Hear several successful bank examples, and gain insights into considering this as a viable alternative for your bank.

Speakers:
David Brooks, Director, Alliance Partners
Leland R. Merrill, Jr., Executive Vice President, Chief Lending Officer, BankNewport

12:30 - 1:30 pm Lunch in the Marketplace
1:30 - 2:45 pm

Concurrent Sessions

​4R-A Strategic Considerations for Mortgage Servicing
Servicing can be an integral part of a bank's business plan. Explore the business considerations - revenue generation, cost, and scalability, and efficiency - for servicing in today's environment, and gain insights from several banks into the factors that helped them move forward.
 
Speakers:
Eric D. DeFries, VP, Mortgage & Consumer Finance, Bank of Utah
Sean Mansell, SVP - Director of Servicing, MB Financial Bank, N.A.
Dean DeMeritte, Executive Vice President, Phoenix Capital
4R-B

Marketing to New Markets - Leveraging Opportunities with Changing Demographics

Millenials and ethnic groups such as Hispanics are now first-time home buyers, however, each group poses challenges in how to market to them. Millenials are hard to reach and do not react to traditional marketing techniques. Successfully engaging ethnic groups requires much more than simply translating marketing messages into their language. Hear tangible solutions for reaching these new market segments, and gain insights into successfully building your business. 

Speakers:
Nelson Ramos, national Account Manager, Radian
Vance Edwards, marketing Program Director, MGIC 

​4C

Basel III - Facts and Fallacies

Since the implementation of Basel III, there have been varying interpretations of these rules as well as their implementation.  This session will clear up any confusion about the Basel III and provide guidance on how it will affect commercial lenders.

Speaker:
Hugh Carney, Vice President, Capital Policy, American Bankers Association

​2:45 - 3:30 pm

​Break in the Marketplace

​3:30 - 4:45 pm

Concurrent Sessions

​5C

CRE Regulatory Guidance Update

In an open forum discussion, gain the latest insights in the commercial lending market from the regulators - guidance on OREO; appraisal and environmental requirements; title search and insurance, and more.

Speakers:
Beverlea (Suzy) Gardner, Senior Examination Specialist, Federal Deposit Insurance Corporation
Carmen D. Holly, Supervisory Financial Analyst, Board of Governors of the Federal Reserve System
James "Jim" Stiel, CRC, Risk Specialist, Office of the Comptroller of the Currency

​5R

​Is Your Bank Prepared to Implement the TILA/RESPA Integration Rule?

The RESPA/TILA rule is a major restructuring of all mortgage disclosure and form delivery requirements.  The new requirements raise new liabilities, operational consequences, and expense considerations, and it all becomes effective in August 2015.  Gain expert insights into the major compliance challenges, and practical ideas to ensure a smooth transition.

Speakers:
John Haring, Compliance Enablement Manager, Ellie Mae
Donald E. Partington, EVP, Legal and Strategic Affairs, Fidelity National Title Group
Joseph Reilly, Partner, Buckley Sandler
Joshua Weinberg, Director of Compliance, First Choice Bank

4:45 - 5:45 pm Reception in the Marketplace
Friday, April 10
7:00 - Noon Registration
7:00 - 8:00 am Power Breakfasts

 Benefitting from Strategic Outsourcing Relationships

The industry is seeing growing regulatory and compliance requirements, increased operational costs, and time and resources needed to fully dedicate to the residential lending process.  Now is an optimal time to look to experienced service driven outsource suppliers that can assist your bank with a dedicated end-to-end solution.  Find out how to continue to offer services to your customer, at a high level of care, while generating consistent quarterly revenue.

Speaker:
Neil Armstrong, AMP, Vice President Private Label Outsourcing, PHH

Using Data To Help Avoid Counter-Party and Reputational Risk Issues

Provide an update on the 2015 LexisNexis report to the industry on mortgage fraud and misrepresentation - what types of fraud and where in the United States as reported to MIDEX (Mortgage Industry Data Exchange). Additionally, every regulator and mortgage investor is concerned about all the parties touching a mortgage loan transaction.  The goal is to avoid dollar losses and reputational risk losses.  You need access to one portal with over 60 real estate data solutions.

Speaker:
Merle Sharick, CMB, Real Estate/Mortgage Solutions, Consultant, LexisNexis
8:00 - 9:00 am

Economic Outlook

Don't miss your chance to hear the current and future factors impacting the housing industry.  Responsible for providing forecasts and analyses on the housing and mortgage markets for Fannie Mae, Doug will explore key considerations to help you respond to industry trends.

Speaker:
Doug Duncan, Senior Vice President & Chief Economist, Fannie Mae

9:00 - 9:45 am Break in the Marketplace
9:45 - 11:00 am Concurrent Sessions
6R

CFPB Update

Representatives from the CFPB will provide an update on recent rle making activity, exam trends moving forward, and what's around the corner in 2015.

Speakers:
Laurie A. Maggiano, Servicing and Secondary Markets Program Manager, Office of Research, Markets & Regulations, Consumer Financial Protection Bureau
Brian Webster, Orientations Program Manager, Consumer Financial Protection Bureau

​6C

​The Perils of Prudence

Most banks, including those that have failed in recent years, describe themselves as "prudent" or "conservative", a description that markets clearly do not believe.  This session will argue that banks need to look beyond accounting and regulatory requirements to better understand, measure and price their credit risk.

Speaker:
Brian Ranson, President, CRC (Whitburn), Ltd.

​11:15 am - 12:30 pm

Concurrent Sessions

​7R

Developing New Mortgage Products

This session will provide an overview of how to implement new mortgage products and the touch points needed when introducing new products.  As the mortgage process becomes more complex, this presentation will provide "best practices" to help bankers understand how to engineer a process before rolling it out in your market place in the most efficient manner. 

Speakers:
Stephen Lange Ranzini, President & CEO, University Bank 
Bruce W. Schultz, Executive Vice President, SpiritBank

​7C

​CRE Peer Roundtable Discussions

Tap into the wisdom of the crowds in these informative group discussions.  You will have the opportunity to share best practices, and gain insights from fellow bankers into managing your business better.

12:30 pm

Conference Adjourns

  

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Program ​Questions? Please contact John Capotosto for more information.