ABA Real Estate Lending Conference

March 29-31, 2017 • Hyatt Regency Orlando, Orlando, FL

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

2016 Schedule*

The 2017 program is under development. To receive updates as they become available, please complete this form.

*Program subject to change

SUNDAY, April 17
Noon - 5:30 pm Arrivals & Registration
3:45 - 4:45 pm Opening General Session
Joshua Chamberlain and the 20th Maine: Engaging the Disengaged

In this session, history becomes a metaphor and the battlefields of Gettysburg a classroom as leadership - in a rapidly changing, stressful environment, with limited information and limited resources - is examined. The challenge of employee engagement was present in 1863 and is present in your organization today. Explore traits of the "ideal" leader and greater knowledge of transactional, transformational and anticipatory leadership styles and when to use them.

Speaker: Steven Wiley, President, The Lincoln Leadership Institute at Gettysburg
5:00 - 6:00 pm Concurrent Sessions
Residential Affordable Housing - Expand Your Lending Opportunities

The current lending environment is experiencing great tension between rules that limit underwriting and new products that can help expand it. This session will focus on strategies and tools banks can use to expand lending opportunities to low-moderate income and underserved borrowers in your market.
Session objectives:
  • Learn about specific products targeting the affordable housing market
  • Understand the pros and cons to offering affordable housing products
  • Examine tactics to promote affordable housing products in your markets
  • Explore strategies to mitigate risks unique to affordable housing products
Anne McCulloch, SVP for Credit & Housing Access, Fannie Mae
Janet Parker, Senior Vice President, Risk Management, Arch Mortgage Insurance Company
Joseph Pigg, SVP, Senior Counsel, Mortgage Finance, American Bankers Association
Commercial Fixed Rate Lending: To Be or Not To Be

Bankers continue to struggle with the optimal way to compete on fixed rate loan terms in today's marketplace. Adding liability sensitivity at these absolute rate levels is a concerning proposition, but many seem to be pursuing this route. This session will answer the key questions: how are they doing this and what are they doing to mitigate interest rate risk concerns?
Session objectives:
  • Set the tone for today's lending environment by describing the regulatory/interest rate risk landscape
  • Discuss specific strategies institutions are employing to protect and expand their client base
  • Understand partnerships that can help aid management of the interest rate risk associated with fixed rate lending
Speaker: Kamal Hosein, Senior Managing Director, Stifel
6:00 - 7:00 pm Opening Reception in the Marketplace

Please join our financial partners as we welcome you to the Marketplace offering the latest products and services to improve your bank's performance.
MONDAY, April 18
7:00 am - 5:00 pm Registration
7:00 - 8:00 am Power Breakfasts
  Sponsored by D+H
Growth Opportunities in a Changing Industry

D+H will highlight where the industry is headed and provide key insights that influence the strategies needed to be successful. In addition, a new solution, Barometer, will be showcased, which provides financial institutions an ability to ensure staff are consistent in their lending decision making, improve their reputation with regulators and continuously calibrate their lending business and optimize their portfolio.

Steve Megson, Manager, Sales, D+H
Kevin Smith, Innovation & Commercialization Principal, D+H
8:00 - 9:00 am General Session
Senseless Panic: How Washington Failed America

Our financial system and economy are in a mess thanks largely to the failed policies and a dysfunctional regulatory system. Senseless Panic offers a common sense path to recovery.

Speaker: William Isaac, Former FDIC Chair, leading commentator and consultant to financial institutions and governments
9:00 - 9:30 am Break in the Marketplace
9:30 - 10:45 am
Concurrent Sessions II
Residential Productivity and Compensation of LOs

Loan Officer compensation is becoming an increasingly controversial subject, and one that is concerning from a business continuity as well as a legal, perspective. This session will include different approaches in providing a competitive compensation plan and some areas of opportunity to protect the department and bank. The discussion will include managing performance, production requirements, and proper compensation and bonus structures.

Ari Karen, Principal, Offit Kurman
Jack Konyk, Executive Director, Government Affairs, Weiner Brodsky Kider, PC
Commercial State of the CRE Industry

The discussion will include important trends in the CRE Industry that have significant implications for the lending environment. The objective of the session is to provide empirical data on trends within the general economy, commercial real estate and the commercial real estate finance environments.

Speaker: Brian Bailey, Senior Financial Policy Analyst - Commercial Real Estate Division of Supervision and Regulation, Federal Reserve Bank of Atlanta
11:00 am - 12:15 pm
Concurrent Sessions III
Residential The ABC's of Sustainable Process Performance

Without a doubt, TRID has impacted bank process performance, leaving many to question how they can develop new processes to meet the new regulations and recapture efficiencies. Sustainable process performance boils down to Analysis, Benchmarking, and Controls. This session will provide practical tools and methods to analyze current process performance; determine practical goals of the process that your customers will feel; and a discussion of how to ensure the sustainability of your process improvement efforts.

Speaker: Charlotte Tyson, Director of Customer Consulting, Genworth Mortgage Insurance
Residential Better Financing Options for your Retirement-Age Customers

Industry experts will provide an overview of the industry, and educate participants about the basics of a reverse mortgage while dispelling common misconceptions, including the cost of obtaining a reverse mortgage. The session will feature case studies, with a particular emphasis on older clients (age 62 or older) and how they might utilize their home equity to generate tax-free cash to complement traditional income sources while mitigating the need for premature withdrawals. With the aging populations, this session may be invaluable to your business.

Tom Dickson, National Sales Leader of Financial Advisor Channel, Reverse Mortgage Funding, LLC
Mike Mooney, Financial Institutions Group, Reverse Mortgage Funding LLC
Commercial A Bankers Practical Guide to Analysis and Underwriting

Faced with increased competition for quality commercial real estate loans and the cost of risk adjusted capital, it is imperative that community banks establish and communicate a clear credit culture. Successful alignment of a coherent lending strategy among board members, executive management, and commercial lending teams has proven to be exceedingly difficult for some institutions, while others have prospered immensely. This session will discuss those factors and provide tools that will help community banks formulate an appropriate risk appetite for this profitable, but at times worrisome line of business and will include:
  • Analyzing existing portfolio metrics in formulating a coherent credit culture
  • Creating standard underwriting parameters and tools
  • Evaluating new opportunities by establishing a consistent approach to analysis and underwriting

Daniel Fariello, Senior Vice President, Sr. Commercial Real Estate Lender & Team Leader, Cehmung Canal Trust Company
Anders Tomson, President, Capital Bank
12:15- 1:15 pm Lunch in the Marketplace
1:15 - 2:15 pm
Concurrent Sessions IV
Residential TRID Triage: What You Need to Know Now

There are more than a few major issues with the TILA/RESPA Integration Disclosures Act that remain unresolved. But there are some hard points you need to know n ow and what to expect in the coming months that will shape your business strategy. This interactive panel discussion will:
  • Provide an update on implementation issues
  • Explore impact of TRID on bank workflows and solutions to address key issues
  • Review examination trends, compliance transition periods, and investor developments
  • Provide overview of third party readiness under TRID rule
  • Identify challenges with technology
  • Discuss TRID's consumer impact
Rod Alba, SVP, Senior Regulatory Counsel, Real Estate Finance
Richard Horn, Founding Attorney, Richard Horn Legal, PLLC
Jill Tischendorf, Manager, Product Specialist, D+H
Residential Survey Says: You Can Improve Financial Performance

With rising costs and heavy regulatory pressure, mortgage servicers must carefully consider each investment decision and the impact it has on the end consumer, regulatory compliance as well as their own bottom-line. The good news is that there are many opportunities for servicers to create win-win situations that achieve long-term cost savings and improve customer interactions at the same time. J.D. Power will share key insights from the Primary Mortgage Servicer study and discuss specific actions that can help improve financial performance.

Speaker: Craig Martin, Senior Director, J.D. Power
Commercial CRE Peer Roundtable Discussion

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.
2:15 - 3:00 pm Break in the Marketplace
3:00 - 4:00 pm Concurrent Sessions V
Residential CFPB Update

It is important to stay on top of the regulatory issues, as they have a direct impact on how you manage your business. Panelists will provide an update on recent rule making activity, exam trends, and what's around the corner in 2016 so you can proactively make necessary adjustments to your operations. Topics will include TILA/RESPA Integration Disclosure, LO Compensation, Servicing, HMDA, and much more.

Calvin Hagins, Deputy Assistant Director of Originations, Consumer Financial Protection Bureau (CFPB)
Patricia McClung, Assistant Director Mortgage Markets, Consumer Financial Protection Bureau (CFPB)
Commercial Alternative Commercial Loan Opportunities

How can banks further diversify their commercial loan portfolios, outside of commercial real estate? What type of loan opportunities and partners are available and active in this space? This session will explore the following topics, which can provide needed diversification, volume and attractive yields.
  • National C&I Loans
  • Marketplace Lending/Online Lending
David Brooks, Director, Alliance Partners
Peter Cappello, SVP/Chief Risk Officer/Director of Insurance Services, Kearny Bank
4:15 - 5:15 pm Concurrent Sessions
Residential Residential Lenders 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.
Commercial Appraisal Practices Your Examiner Will Appreciate

While not a new issue, it is important to stay on top of the latest trends and concerns regarding commercial real estate appraisals. This session offers perspectives from several reputable resources on the issues to consider as you identify ways to keep your appraisals in conformity with regulatory requirements:
  • Regulator hot buttons for 2016 and beyond
  • Requirements and valuations
  • Lending policies
  • How frequently are new/updated appraisals needed?
Molly Curl, Partner, Bank Advisory and Regulatory Services, Grant Thornton
Jim Amorin, MAI, SRA, AI-GRS, President-Elect, Appraisal Institute, and Vice President, Atrium Real Estate Services
Thomas Ward, Associate Director - Real Estate Credit, Credit Risk Management Analytics
5:30 - 6:30 pm Reception in the Marketplace
TUESDAY, April 19
7:00 am - Noon Registration
7:00 - 8:00 am Power Breakfast Sponsored by Calyx

CECL and the Future of Portfolio Lending

The impending FASB CECL standard fundamentally changes how loan loss reserves must be calculated, shifting from an incurred-loss to an expected-loss model. A viable solution may be closer than you think, enabling you to not only determine ALLL on your portfolio, but to consider the balance sheet impact of loans before they close.

Speaker: Ben Wu, Executive Director, LoanScoreCard
8:00 - 9:00 am General Session - Economic Outlook for 2016 and Beyond

This presentation will provide a general overview of the condition of the U.S. macro economy and shed light on the current economic events being discussed in the the national media. We will also explore the changing composition of consumer spending and demographic factors affecting the housing market and how these changes are shaping the future economic landscape of the domestic economy. In addition, the presentation will include an outlook on interest rates and the future path of monetary policy along with an update on global economic conditions.

Speaker: Michael Brown, Vice President and Economist, Wells Fargo Securities, LLC
9:00 - 10:00 am Break in the Marketplace
10:00 - 11:15 am
Concurrent Sessions VII
Residential Regulatory Challenges to Mortgage Operations

Now that you've conquered TRID, are you ready for deeper scrutiny on Fair Lending, Red Lining, CRA, HMDA and Qualified Mortgages? With more regulatory movements on the horizon, and the existing burden of examinations, this session is structured to provide a high-level overview of what to plan for in the near future to reduce impact in the day-to-day mortgage operations.

Kris D. Kully, Partner, Mayer Brown LLP
Beverly Reynolds, Senior Vice President, Fair Lending and Responsible Banking Officer, U.S. Bancorp
Bruce Schultz, Executive Vice President, SpiritBank
Commercial Regulatory Issues Facing Your Next Exam

This session will provide an overview of how to approach your next regulatory exams for asset quality. Join your regulators for insight via a regulatory round table regarding the top Issues facing banks today. Find out from the source what issues other banks' are facing in their exams and what to expect in 2016. Expect to pick up some insight and tips on top regulatory ssues that impact MRAs for commercial lending. Ask the regulators directly for guidance and best practices to improve your policies and underwriting to minimize the risk in commercial loans.

Beverlea (Suzy) Gardner, Senior Examination Specialist, Federal Deposit Insurance Corporation
Donald Gabbai, Senior Supervisory Financial Analyst, Federal Reserve Board
M. Grant Wilson, CFA, Director, Commercial Credit Risk, Credit Risk Policy - CNBE, Comptroller of the Currency
11:30 am - 12:45 pm Concurrent Sessions VIII
Residential Managing the Appraisal Ordering and the Collateral Review Processes

The correct assignment and acceptance of an appraisal request is key in getting an accurate assessment of both value and marketability. With the wide ranging talent pools and fees structures that can be challenging. This session will explore what the Appraisal Institute is doing to attract & train appraisers in today's market. An AMC will share how they manage their vendor platform to ensure quality reports. You will also hear Lender best practices in the ordering & review process and how they are currently utilizing the Agencies collateral review tools.

Jim Amorin, MAI, SRA, AI-GRS, President-Elect, Appraisal Institute, and Vice President, Atrium Real Estate Services
Scott Sparks, Senior Vice President, National Chief Appraiser, AllstateAppraisal
Brenda Hughes, SVP/Director of Real Estate Lending, First Federal Savings Bank of Twin Falls
Commercial High Volatility Commercial Real Estate

Since the implementation of Basel III, there have been varying interpretive issues with the definition of High Volatility Commercial Real Estate. This session will discuss the confusion and provide guidance on how it is affecting commercial lenders. Gain a banker's perspective on this issue and engage in an interactive discussion with live polling from the audience.

Hugh Carney, Vice President, Capital Policy, American Bankers Association
Gary Wilhite, Senior Vice President, Wells Fargo

12:45 pm Conference Adjourns


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