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American Mortgage Conference

April 29 - May 1, 2019 • Pinehurst Resort • Pinehurst, NC



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Program (Subject to Change)


Monday, April 29, 2019
10:00 am – 11:00 am Exhibitor Setup
Grand Ballroom Foyer

All exhibits should be set and ready by 12:00 pm.
12:00 pm – 1:00 pm Registration Desk Opens
Grand Ballroom Foyer

Pick up your name badge prior to the start of the General Session. If you have questions during the event, stop by the registration desk and ask a member of our event team!
1:00 pm 1:15 pm Conference Welcome
1:15 pm 2: 00 pm Where Are Banking and Mortgage Banking Going With Advocacy And The Regulatory Agencies?
  • Moderator: Peter Gwaltney, President and CEO, North Carolina Bankers Association
  • Rob Nichols, President and CEO, American Bankers Association
  • Robert D. Broeksmit, President and CEO, Mortgage Bankers Association
2:00 pm – 2:45 pm Stress-Free Home Buying: How to be a Successful Lender for First-Time Borrowers
Egypt Sherrod, HGTV, will speak on how first time home buyers take their time to shop around for the right lender. Do you know what they’re looking for? Learn how to position your bank as the perfect fit for first-time homebuyers from award-winning realtor deemed America's most beloved real estate Broker, Egypt Sherrod. The host of HGTV’s “Flipping Virgins” will offer real talk on real estate, first-time homebuyers and self-improvement.
2:45 pm – 3:15 pm Networking Break in the Exhibit Hall
3:15 pm   4:00 pm In Pursuit of Expanded, Sustainable Home Ownership
The financial crisis served as a stark reminder that efforts to expand homeownership opportunities must be sustainable and done safely and soundly. What is the state of the market today? How can the public and private sectors further encourage homeownership opportunities that are sustainable for borrowers and safe and sound for market participants?
  • Edward DeMarco, President, Housing Policy Council
4:00 pm 4:30 pm
Mortgage Strategy and Policy Updates: Flash Session
This is a flash session for up-to-the-moment updates from a banker and staff experts on key issues relating to business strategy, regulatory policy, and innovations that are important to mortgage lenders. We will include flood, disaster servicing, mortgage fintech innovations and standards, mortgage market composition, and new ABA endorsed solutions.
4:30 pm  5:30 pm
Reception

Tuesday, April 30, 2019
7:30 am 8:30 am
Power Breakfast Sponsored by Loan Transactions & Technology
Effectively Manage Your Loan Portfolio: Whole Loan Trading Like Never Before
Whole loan trading network that provides industry proven loan pricing and analytics, smart counterparty matching, and electronic negotiation. Efficient and transparent loan trading process supported by a user-friendly cloud-based application. No software to install, no licensing fees.
  • John Roberts, President and CEO, Loan Transactions & Technology LLC
8:30 am – 9:15 am Secondary Marketing Strategies for Growth and Profitability
Hear strategies that maximize return on the sale of mortgage assets. Lenders can leverage these secondary marketing strategies to grow business and increase profitability. Panelists will include a presentation of alternative strategies for maximizing return on the sale of mortgage assets. In a non-delegated underwriting model, institutions that do not have the resources to staff up for credit decisions can offer mortgages to their client base and begin to offer loan products with fewer staffing and risk profile restrictions.
  • John Hedlund, Managing Director, AmeriHome Mortgage Company
  • Peter Taglia, Senior Vice President, FTN Financial
9:15 am – 10:00 am
What Can We Expect in Future Mortgage Lending Regulation?
Regulatory reforms have significantly reshaped the mortgage landscape, altering business models and adding costs and compliance burdens. These reforms are not over. In this session you will hear the perspectives of a policymaker, a compliance attorney, and a banker regarding the top hot buttons expected to impact the mortgage business in 2019, including Ability-to-Repay/Qualified Mortgage, HMDA, servicing, LO compensation, and RESPA issues; as well as the increased spotlight on Fair Lending and redlining. Get prepared to assess your risk and plan your business around the continuing uncertainty of mortgage regulation.
  • Rod Alba, Senior Vice President, Real Estate Finance, American Bankers Association
  • Martha Svoboda, Poyner Spruill
  • David Brennan, SVP, Chief Residential and Consumer Lending Officer, The Cape Cod Five Cents Savings Bank
10:00 am 10:30 am Networking Break in the Exhibit Hall
10:30 am    11:15 am Time in for the Decade Long Time Out?
Jim Lockhart, Bipartisan Policy Center, will present about the GSE Reform. What happened in the Conservatorships? Where to go and when? Capital, Credit Scores and Countercyclical
  • Jim Lockhart, Senior Fellow, Bipartisan Policy Center
11:15 am – 12:00 pm Navigating Uncharted Waters: Implementing Day 1 Certainty®
Reduced cycle times. Lower costs. Improved borrower experience. The benefits for adopting Day 1 Certainty® are clear. What isn’t, however, is how lenders should navigate the challenges that are inherent to introducing a new process and technology. In this session, you will hear from fellow bankers who will share how they successfully implemented the Desktop Underwriter® (DU®) validation service, a component of Day 1 Certainty. Hear firsthand accounts of their experience and learn strategies for traversing similar operational and organizational roadblocks in your organization.
  • Brian Cusick, Product Development Manager, Fannie Mae
12:00 pm 1:00 pm
Luncheon
​1:00 pm – 1:45 pm ​How the Late-Cycle Mortgage Landscape with Impact Bank Profitability
Nathan Stovall, S&P Global Market Intelligence, will provide an overview of the current mortgage lending landscape, discuss how the rising interest rate environment has impacted origination activity and profitability, and highlight which regions and institutions are reporting the strongest growth. He will further discuss how recent housing trends could impact banks’ credit quality and outline how the changing mortgage market impacts his outlook for the banking industry.
  • Nathan Stovall, Senior Research Analyst, S&P Global Market Intelligence
1:45 pm – 2:30 pm The State of Housing with an Eye on New Purchase
As the nation’s leading provider of mortgage and housing data, Metrostudy will review the previous years activity as well as the opportunity that lays ahead for new purchase mortgages in relation to the forecast for national housing.
  • Jeremy Walker, Director of Business Development, Metrostudy
2:30 pm 2:45 pm Networking Break in the Exhibit Hall
2:45 pm – 3:30 pm Breakout Sessions I

What’s on the Horizon for Mortgage Servicing?
Now that the foreclosure crisis is behind us, and the work of implementing the new regime of servicing guidelines is largely completed, what lies ahead for the mortgage servicing industry? Will servicing costs continue to rise dramatically, or can we expect a leveling off? Will nonbank servicers continue to gain market share? A panel of legal, regulatory, and business experts will identify opportunities, challenges, looming risks and potential evolutions in the mortgage servicing industry.
  • Moderator: Audrey Decker, VP, Mortgage Finance, Senior Regulatory Counsel, American Bankers Association
  • Lori Pinto, SVP, Business Development, Cenlar FSB
  • Yelena Sharova, Esq., Sharova Law Firm

The Construction Lending Sweet Spot

Chase Gilbert, Built Technologies, will serve as a panelist to discuss the construction lending sweet spot. As the number of new households created each year continues to grow exponentially, the demand for housing is rising at a rate faster than what the housing and construction markets can accommodate. Housing starts are on the rise, but as home appreciation and construction costs rise at even faster and higher rates, affordable housing inventory remains significantly under-supplied. The lack of inventory and growing economy place greater stress on construction lenders and builders to keep pace with supply and demand. Learn how modern technology is transforming construction lending to help speed the flow of capital in order to keep the market running strong.
  • Chase Gilbert, CEO, Built Technologies
  • Brenda Hughes, SVP and Director, Mortage and Retail Lending, First Federal Savings Bank of Twin Falls
3:35 pm 4:20 pm Breakout Sessions II

I
ndustry Insights on Fair Lending and HMDA
The recent amendments to the Home Mortgage Disclosure Act regulations are now in effect, and the first public release of the significantly expanded data set is expected in the first half of 2019. Each mortgage lender will need to better know its own data and correct institutional deficiencies prior to detection of past fair lending lapses by regulatory and enforcement agencies and consumer advocates. The reputational and legal risks from perceived fair lending lapses can be devastating. This session will address how the required collected data can be used to tell your own fair lending story, gauge the competition, seek opportunities to differentiate and improve marketing strategies. Hear from a banker and legal and industry experts on how to make the most of the data requirements.
  • Rod Alba, Senior Vice President, Real Estate Finance, American Bankers Association
  • Martha Svoboda, Of Counsel, Poyner Spruill 

Leveraging AHP Funding to Help Communities Grow

A panel led by Robert Dozier, Federal Home Loan Bank of Atlanta, with the following panelist, ShaDonte Butler, Federal Home Loan Bank Of Atlanta, Scott Bailey, Southern First Bank and Ken Sykes, North State Bank Mortgage. The Federal Home Loan Banks’ Affordable Housing Program (AHP) plays a crucial role in helping community banks assist low- and moderate-income families in achieving the dream of homeownership. AHP funding is also used to help eligible homeowners make critical repairs to their homes, and to help communities rebuild after natural disasters. In this session, hear community bankers and representatives from FHLBank Atlanta share success stories on how AHP funding has not only helped support homeownership opportunities but has also helped community banks grow their mortgage business.
  • ShaDonte Butler, Assistant Vice President, Community Investment Business Development Manager Member Sales & Trading
  • Ken Sykes, Senior Relationship Development Officer North State Bank Mortgage
  • Scott Bailey, Executive Vice President, Mortgage, Southern First Bank
  • Robert Dozier, Executive Vice President and Chief Business Officer, Federal Home Loan Bank of Atlanta
5:00 pm – 6:00 pm Reception

Wednesday, May 1, 2019
8:00 am – 8:30 am Continental Breakfast in the Marketplace
Grand Ballroom Foyer

Join us for a continental breakfast and visit with our exhibitors!
8:30 am – 9:15 am Plan for Performance: Profitability & Productivity Best Practices
Lending institutions are asking how they can develop new processes to meet the new regulations and recapture efficiencies. Planning for performance boils down to Analysis, Benchmarking, Controls and Leading Successful Change. 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.
  • Mary Kay Scully - Speakers, Director of Customer Education, Genworth Mortgage Insurance
9:15 am – 10:00 am Digital Mortgage Lending – Is Your Bank Prepared?
What is the state of digital mortgage components? What progress has in the industry made in digital mortgages? Focus on key components of the digital transformation. You will learn how bankers are achieving success with digital technologies that offer community banks a competitive advantage and better customer experience.
  • Moderator: Ken Sykes, Senior Relationship Development Officer, North State Bank Mortgage
  • Shane Hartzler, Director of eMortgage Strategy and Operations, Fannie Mae
  • Ken Janik, Business Head, Promontory Mortgage Fulfillment
10:00 am – 10:15 am Networking Break in the Exhibit Hall
10:15 pm 11:00 am Recruiting Mortgage Talent in 2019
Recruiting a diverse and innovative work force is increasingly important.  The changing demographics of our customer base and the new technologies used by those customers demand a work force that can relate and connect.  The banking industry and mortgage banking companies need to attract a diverse, digitally savvy work force.  Hear real-life examples and how firms have developed and implemented the tools to bring all types of diversity to the next generation of mortgage bankers.
  • Paul Conway, CEO Conway & Greenwood, Inc
  • Christie Gragnani-Woods, SVP, Talent Acquisition Executive, Bank of America
  • Lonnie Talbert, Chief Operating Officer, Southwest Capital Bank
  • Colleen Winslow, Chief Human Resources Officer, RoundPoint Mortgage
  • Susan Sullivan, Senior Vice President, Human Resources, Genworth
11:00 am 12:00 pm Banker Speed Roundtable Session: A Peer to Peer Networking Experience (Bankers Only)
The American Mortgage Conference is bringing a new interactive feature to 2019: the Speed Roundtable Session. The design of these sessions is based on social research into the value of small-group discussions. The session is three 20-minute conversations at peer roundtables, with discussion categories suggested by attendees and industry executives. Within each category, there are several topics for discussion. You decide which topics you want to discuss and, with the help of a facilitator, the conversations will flow based on the makeup of the group. You can stick with the same topic or change it up after each round of conversations.
12:00 pm
Conference Adjourns

​​Questions? Contact Susan Bonney.