ABA Real Estate Lending Conference

April 17 - 19, 2016 | Grand Hyatt San Antonio | San Antonio, TX

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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 2016 program is underdevelopment.  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
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 
Speakers:
Leslie Gibin, VP, Client Risk Management, Arch Mortgage Insurance Company
Anne McCulloch, SVP for Credit & Housing Access, Fannie Mae
​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
8:00 - 9:00 am General Session
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. 

Speakers:
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 Simplifying and Streamlining the Loan Process
  • How will banks simplify processes in their mortgage business?
  • Get to the closing table without all of this pain
  • Improve upon the process and closing documents
  • Dialogue and ideas to create a more efficient process
​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.

Speakers:
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

Speaker: 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
​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. 
​Residential Survey on Mortgage Services
  • Discussion of Key Findings
  • Understanding the importance of servicing excellence and how it relates to retaining/repeat customers
  • Servicing Opportunities (Where do servicers fall short)? - per customer feedback
​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
Speakers:
David Brooks, Director, Alliance Partners
Leland Merrill, Executive Vice President, Chief Lending Officer, BankNewport
​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?
Speakers:
Molly Curl, Partner, Bank Advisory and Regulatory Services, Grant Thornton​
Jim Amorin, MAI, SRA, IS-GRS, President, 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 Breakfasts
8:00 - 9:00 am General Session
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. 
​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 Issues 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.

Speakers:
Beverlea (Suzy) Gardner, Senior Examination Specialist, Federal Deposit Insurance Corporation
Carmen Holly, Senior Supervisory Financial Analyst, Board of Gevernors of the Federal Reserve​ System
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 & marketability.  With the wide ranging talent pools & 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.
​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. 

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

12:45 pm Conference Adjourns

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