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CREDIT ANALYST SERIES

2018-2019 Credit Analyst Series

2018-2019 Advanced Credit Analyst Series

The RMA Wisconsin Chapter has scheduled their 5th Annual Credit Analyst Series to help Credit Analyst get in-depth training for all aspects of the job, and their 4th Annual Advanced Credit Analyst Series for experienced Credit Analyst to further their training. You can register for the classes on an individual basis (see classes listed in the 2nd and 3rd columns) or you can sign-up for the entire series at a discounted rate (see brochures).


UPCOMING PROGRAMS

For more information and to register, click on appropriate link:

Northeast Area - CECL Forum
Wednesday, September 26, 2018 - 8:30 AM - 11:00 AM
Appleton


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CHAPTER ANNOUNCEMENTS

National Scholarship Window Now Open

Full time Juniors and Seniors interested in a banking career will be able to apply for the RMA scholarships beginning September 10 through October 21, 2018.  You can access information on the National website athttps://landing.rmahq.org/SRC/scholarships-94UZ-1982TH.html.  We hope to see many winners from our chapter!  Last year the RMA Wisconsin Chapter had 3 students receive scholarships!


The Risk Management Association - Job Posting
Relationship Manager, Midwest Region
Member Relations
September 2018

The Risk Management Association (RMA) is seeking a Relationship Manager who resides in the Midwest (preferably Chicago area) with experience in building and maintaining long-term relationships, preferably with financial institutions. The successful candidate will have the ability to provide a significant level of business consultation services to assist financial institutions with risk management solutions, including training programs and RMA products and services. The Relationship Manager generates revenue while exhibiting a strong enthusiasm for serving members and helping them stay engaged with RMA. The ability to proactively manage the association’s relationship with financial institutions to increase membership and engagement is paramount.

Critical responsibilities of the role include:

  • Comprehensive knowledge of current and trending industry risk management practices
  • Promote the association’s products and services.
  • Introduce new products and programs in an ongoing and effective manner to maximize the value of RMA.
  • Recommend development of new products and services and improvements to existing products and services. Assist in developing revenue forecasts, territory potentials, and call programs.
  • Maintain call reports, and report on all relevant activities within the region.
  • Develop a comprehensive intelligence network including information on competitors and their products.
  • Work actively to enhance RMA’s image and reputation through effective presentation and communication.
  • Support the RMA chapters in the assigned region, serving as a liaison and proactively supporting chapter events.

 

This position requires a Bachelor’s degree and five to ten years of experience in the financial services industry. The person should be comfortable and qualified in dealing with multiple levels of management within financial institutions and a willingness and ability to travel approximately 30%-50% of time. Sales experience is preferred. The candidate should possess an ability to balance multiple projects simultaneously, have excellent planning skills, and be able to work effectively with minimal supervision. Exemplary communication, listening and presentation skills are a must.

Competitive salary and benefits package
For more information about RMA visit: www.rmahq.org

 

2018 Highlights

2018 RMA Article Writing Competition.
  
We had some really great submissions and look forward to what will be presented next year!  The winners are:
 
1st Place - Jeremy Maricque - Marquette Student & RMA Student Member
Article titled:  Practical KRIs for a Community Bank Commercial Loan Portfolio
 
2nd Place - Frank Demogerontas - Marquette Student & RMA Student Member
Article titled:  Resurrection of the Glass Steagall Act
 
Congratulations to our winners!  We have forwarded their articles to the national RMA Article Writing Competition 
where they have the chance to be published in the RMA Journal!  Best of luck to you both!


Membership Social - Stevens Point

April 11, 2018 - Stevens Point

On April 11th, the Wisconsin Chapter of the Risk Management Association (‘RMA’) held a social gathering at the Stevens Point Country Club for current and prospective members, where attendees spent time hearing networking and hearing about the benefits of RMA membership, including the upcoming courses and roundtables coming up in the central and northern parts of the state. In addition, Mike Lensmire and Dean Johnson from CliftonLarsenAllen, gave a presentation on the changes that have, and will be occurring, with accounting standards that could impact the financial statements of our customers, as-well-as if that would affect income tax returns. If you would like more information on the events that we will be hosting in your area and how to become a member, please contact Sandy Gruber at sandy@rmawi.org or visit http://community.rmahq.org/wisconsin


Expert Panel Event (2 of 3): Environmental

March 13, 2018 - Waukesha

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RMA held its second of three Expert Panel Events of 2017-2018 on March 13th, with the focus being on Environmental due diligence.  Panelists Josh Neudorfer (The Sigma Group) and Kirk Kapfhammer (Endpoint Solutions) are shown above explaining the issues that peak-soil contamination can have on construction projects.  A focus was on recognizing the issue and then accounting for any remediation into the budget in order to make an informed credit decision.  Those that attended the event also learned about the different types of environmental reports that are available and the advantages and disadvantages of each.  The panel was very interactive and the hour flew by!

Credit Analyst Series Completion
March 2018 - Waukesha

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Awarded at long last!  Typically the Senior Credit Analyst Series is completed within a calendar year, however for Brian Caine it was a two year journey.  Having taken Advanced Documentation and Structuring the previous year, Brian set out to take the remaining four classes included in the Credit Analyst Series this year.  Proud manager and RMA Board Member, David Wilbik, is picture above presenting Brian Caine with his certificate.  Congratulations Brian!

CHAPTER EVENTS


National Conferences

2018 Chapter Leaders Conference
June 21-22, 2018
Charlotte, NC

2017 Highlights

Scary Lending Stories Panel Event
October 31, 2017, Madison, WI
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The RMA Wisconsin Chapter hosted its second annual scary stories event on October 31, 2017 in Madison at State Bank of Cross Plains.  Panelists included Cindy Albertson – State Bank of Cross Plains, Virginia Bartelt – Bartelt Grobe S.C., Jim Munhofen – Associated Bank and Bruce Paulson – BMO Harris Bank.  Panelists discussed loan situations that had lessons to be learned from underwriting the deal to appropriate documentation, monitoring practices and collection efforts.  Each panelist presented their lesson and then the audience engaged in discussion about what could have been done differently to mitigate risks.  Major take aways include maintaining regular site inspections to assist in watching for potential red flags; know your customer to understand the full scope of the loan and all parties involved; maintaining full relationships to also assist in monitoring red flags; and lastly obtaining appropriate documentation even for the smallest of loans.  On behalf of the RMA Wisconsin Chapter, thank you to all of our panelists for their time and preparation into presenting for our chapter!

Expert Panel Event (1 of 3): Attorneys
October 24, 2017, Waukesha, WI

The RMA Wisconsin Chapter will be holding three panel events for 2017-2018 that will feature several experts who will discuss current banking needs related to their industry and other hot topics.  The three panel events are planned as follows:

  • 10/24/17 - Attorneys.  Expert attorneys from Reinhart Boerner Van Deuren s.c. cover cyber security issues as they relate to banking and loan documention mistakes that can jeopardize deals. 
  • February 2018 (exact date TBD) - Environmental Experts
  • May 2018 (exact date TBD) - Loan Review Experts

RMA Southern WI held its first in a series of expert panels in October.  The panels are designed to offer access to experts to discuss current topics in the lending arena.  The first event focused on legal expertise with an emphasis on cyber security and loan documentation mistakes.  Attorneys from Reinhart Boerner Van Deuren S. C. were the featured speakers.  Attorney John Reichert focused on cyber security and highlighted how the regulatory agencies will soon be spending much more time on this as they examine our member banks.  Several strategies were presented to deal with regulators and cyber events.  Attorneys Robert Heinrich and Christopher Rechlicz went on to detail loan documentation issues and how they can jeopardize deals.  Asset filings and accidental releases were some of the issues the attorneys provided guidance on.

There was active discussion of all topics and RMA members were able to address potential legal issues in a friendly format that allowed for deep questioning and thorough exploration of the issues.  Afterwards Reinhart treated members to a networking session that included cocktails and appetizers.  Members had the opportunity to follow up on any remaining questions and also network with fellow bankers and attorneys.

RMA 2017 Chapter Leaders
Conference
June 22-23, 2017, Scottsdale, Arizona



Melissa Torres, RMA Wisconsin Chapter President, presenting at the National RMA Leaders Conference.  



Wisconsin Chapter Article Submission wins National Contest
It is with great pride that one of our article writing submissions won FIRST PLACE with RMA national’s Article Writing Competition!! 

We congratulate Ryan Kelley from State Bank of Cross Plains on winning 1st Place!

The tangible form of this recognition is a cash award of $1,000. Ryan received his award at the RMA Annual Risk Management Conference on Tuesday, Nov. 14, 2017.   This year’s conference was held at the Boston Marriott Copley Place, Boston, MA. Ryan's registration fee, as well as spouse/guest’s, was complimentary. 
Also, Ryan's article will be featured in an upcoming RMA Journal.
Great job Ryan!  We hope you enjoyed your stay in Boston!

Loan
Review Panel Discussion
May 24, 2017, Waukesha

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The RMA Wisconsin Chapter held a Loan Review Panel event on May 24th at the Reinhardt Law Office in Waukesha.  Panel experts (pictured from left to right) included Peter Nugent from Enlighten Financial, Barry Tessmann from the FDIC, and Pete Warmenhoven from Nicolet National Bank; the event was moderated by David Wilbik from Johnson Bank (not pictured).

This was one of several RMA member-only free events held throughout the year.  The session was generally well attended with representatives from eight different financial institutions across the greater Milwaukee area.  All attendees left the event with a much better understanding of the loan review process, the advantages and disadvantages of internal versus external loan reviews, the typical annual penetration coverage for commercial portfolios, how credit administration is a large factor in the process, and many other topics as a result of the open format Q&A session at the end of the event.


2017 Lenders Conference
May 18-19, 2017, Kalahari, Wisconsin Dells

Richard Mattoon was one of the 4 presenters the RMA Wisconsin Chapter provided during the conference.


2017 Lenders Conference (Richard Mattoon, Economist, Federal Reserve Bank of Chicago)


RMA EDUCATIONAL OFFERINGS


Fall 2016 Highlights

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Principles and Practices of Credit Risk Administration
December 1, 2016, class held in Racine.  Gary Maples presenting.

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Platinum Chapter Planning Award

Congratulations to the Wisconsin RMA Chapter for winning a Platinum Chapter Planning Award at the Annual Risk Management Conference in Dallas. The Platinum award is the highest level of recognition given from the National RMA Association. (Pictured  L to R are Harlan McLain, Pete Brethouwer and Melissa Torres)

Essentials of Dairy Lending Workshop

Nearly 40 banking professionals attended the first offering of Essentials of Dairy Lending, a workshop hosted by the NE WI chapter on 11/4 in Appleton, WI. Katelin Haglund reviewed credit underwriting practices, Cyrene Wilke covered documentation topics, while Derek Taylor of Michael Best presented information related to legal issues.

 

About the Chapter

The Wisconsin Chapter, like all RMA chapters, is organized and run by volunteer members. We strongly encourage current or prospective members to become involved in shaping the future direction of the chapter by contacting any of the current officers or committee chairs. We would also be happy to discuss the many benefits that can be derived from membership in RMA.