Agenda

Robert Goldstone, Wells Fargo Bank
Bob Piepergerdes, Director for Retail Credit Risk, OCC
Donna McClure, M & T Bank

Moderator: Bob Caston, Bank of America

11:45 a.m. – 1:00 p.m.
Lunch

11:45 a.m. – 1:00 p.m.
Industry Innovation Session 2 (includes lunch)
Post Election Politics and Policies: Opportunities and Challenges or C&I Lending

How could election results potentially affect C&I lending opportunities industry-by-industry? What are the likely challenges posed by bank regulators going forward? What do bankers large and small need to be prepared for?  Key sectors such as energy, healthcare, infrastructure, education, and manufacturing will be covered.
Rick Buczynski, Ph.D., SVP/Chief Economist, IBISWorld, Inc.
Dev Strischek, SVP & Senior Credit Policy Officer, SunTrust Banks, Inc.

Industry Innovation Session 3 (includes lunch)
A Healthy Discussion on Risk Appetite

A lunchtime panel discussion on the issues around the establishment of a robust, workable risk appetite. The discussion will focus specifically on inclusion of multiple competing risk dimensions and different ways of understanding liquidity risk.
SunGard

1:00 – 2:00 p.m.
Credit Officer Panel

Panelist: John Killian, Comerica Bank
Bob Caston, Bank of America
Heather Raibourn, Eastside Commercial Bank
Dave Linaburg, TIB - The Independent BankersBank

2:10 – 3:10 p.m.
Breakout Session I (repeat of 10:45 a.m. sessions) and Retail Session 2

ALLL – Regulatory Impact for Community Banks

Developing a Risk Appetite for Your Institution

Credit Review – Standardizing Your Processes

Understanding All the New Regulations

Asset Liability Management Stress Testing – Interest Rate Risk and Liquidity Policies

Retail Session 2- Strategic Implications for the US Mortgage Industry

This session will focus on regulatory developments that are shaping the US Mortgage market in the near and medium-term and how banks are enhancing their risk management capabilities to address these changes. It will also cover developments in Consumer Protection and the move towards greater 'customer friendliness' as banks re-assess operations across their activity chain in both origination and servicing. Michael will share findings from proprietary Oliver Wyman research over the last year.

Michael Zeltkevic, Oliver Wyman

3:10 – 3:40 p.m.
Break

3:40 – 4:40 p.m.
Breakout Sessions II and Retail Session 3

Risk Grade Methodologies for Community Banks

More and more banks (regardless of size) are putting in dual risk grading systems. Others still find that a single risk rating system works fine for their institutions, yet you find that some of the concepts from a dual system have been incorporated into that single rating system. Speakers will address the conversion process to a dual risk rating system and the benefits of having that system while others will explain how their single rating system works well in managing their institution’s risks.

Robert Bissey Jr., Amegy Bank NA
Joe Lebel, OceanFirst Bank

Moderator: Mikki Murray, Ardmore Banking Advisors

Implementing Enterprise Risk Management in Your Institution

Risk savvy organizations are gaining strategic advantage from adopting an enterprise approach. Learn about the key resource considerations and lessons learned on the journey to establish a sound enterprise risk management capability.

Stephen Phillips, First United Bank
Yousef Valine, First Tennessee

Resolution of Commercial Credits (Workout Strategies)

Several workout veterans will discuss the options you have today to handle your problem C&I and CRE loans. Are concentrations a factor? What unique issues exist within loan segments, regions, and states? What are the most effective exit strategies: A/B structures, short sales, deeds-in lieu, and bulk sales? How have sell/hold models changed?

Speakers: Doug Staley, Cadence Bank;
Jimmy Locke, Frost Bank
James R. Karcher, CRC, First Fidelity Bank

Moderator: Vaughn Pearson, RMA Instructor

Stress Testing for Your Institution
A well functioning stress testing program can provide great benefit. This session will help to:

• De-mystify stress testing.
• Provide practical tips for selecting the type of stress test to use, for building a strong governance infrastructure, and for handling the most common challenges.
• Utilize the process and outcomes to inform strategic business decisions and risk strategies.

Dale Davies, BB&T
Bob Doby, Executive Vice President, Chief Investment Officer/Chief Risk Officer, Yadkin Valley Bank

Need a Reason to Pay Attention to Compliance Risk? There are Millions.
Once considered a highly disciplined and yet somewhat routine risk management area, the renewed interest on AML sanctions and the CFPB’s sharp focus on the consumer have made compliance risk one of the greatest areas of vulnerability. Compliance risk management must be overhauled to make sure appropriate controls are in place and that the customer is treated fairly and responsibly throughout the relationship – even by the vendors of financial institutions.  This session will focus on how banks are enhancing their risk management capabilities to address:

Carol Ward, Tri Counties Bank
Timothy R. Burniston, Wolters Kluwer Financial Services
Todd Cooper, Wolters Kluwer Financial Services

Retail Session 3 -  Retail Loan-Level Analysis
In this session you will get an overview of loan level analysis to incorporate lifecycle and macroeconomic factors into account forecasts and optimize account decisioning for portfolio profitability.

Joseph L. Breeden, Ph.D., CEO, Prescient Models

• Risk Grade Methodologies for Community Banks
• Implementing Enterprise Risk Management in Your Institution
• Resolution of Commercial Credits (Workout Strategies)
• Stress Testing for Your Institution

Retail Session 4 –Finding the Green Shoots in U.S. Retail Lending
Across the board deleveraging is over and credit conditions are steadily improving. This presentation will examine the trends in recent retail credit vintages and discuss the outlook for future consumer credit vintages. Where are local economic conditions favorable to balance growth and good credit performance?  Where are the risks the largest?

Cristian deRitis, Moodys.com

5:55 – 7:00 p.m.
Networking Reception

Tuesday, October 30, 2012

7:00 a.m. – 8:00 a.m
Breakfast in Exhibit Hall

7:15 a.m. – 8:00 a.m.
Industry Innovation Session 4  (includes breakfast)
The Unscoreable Consumer…It’s Not Who You Think

For some, the conventional wisdom is that unscoreable means high risk.  But what opportunities lie in the millions of consumers that are either thin file or without a credit score? Data that sheds light on the risk profile for unscoreable and thin file populations will be presented and discussed. Topics to be covered include: how and why there is a population of unscoreable consumers, how lenders can thoughtfully engage this population, and how previously defined alternative data sources and other tools can help score millions more consumers.
Mike Dunn, Vice President, Strategic Planning and Communications at VantageScore Solutions, LLC

8:00 a.m. – 8:30 a.m.
Awards

Bill Githens, CRC, President and CEO,RMA
M. Robert Rose, Chief Credit Officer, Brookline Bank and RMA Chairman

8:30 a.m. – 9:15 a.m.
Keynote Speaker

Dick Evans, Chairman and Chief Executive Officer, Cullen/Frost Bankers, Inc.

9:15 a.m. – 9:45 a.m.
Break in Exhibit Hall

10:00 a.m. – 11:10 a.m.
Regulatory Panel

John C. Lyons, National Bank Examiner, OCC
Sandra Thompson, FDIC
Todd Vermilyea, Senior Associate Director for Risk and Surveillance, Federal Reserve Board

11:15 a.m. – 12:30 p.m.
Breakout Sessions Group III and Retail Session 5

Role of the Board in Risk Governance
Credit risk management – director responsibilities: as more and more regulatory emphasis is being placed on credit and enterprise risk management, what exactly should be the board’s responsibility? Where do directors cross the line between management and directorship? Enhanced board communication—what message or key topics should be communicated to the board?

Robert Messer, EVP/Chief Credit Risk Officer, American National Bank
Edward P. Schreiber, Managing Director, Alvarez & Marsal

Understanding TDRs and Nonaccrual Recognition
Hear a panel of bankers and regulators clarify what, in their eyes, constitutes a TDR. Items to be addressed are the concept of what is a concession you wouldn’t normally give and the definition of market rate of interest.

Mark Worthen, Senior Vice President, Trustmark National Bank
John Behringer, McGladrey
Robert Storch, FDIC

Understanding and Managing Credit Risk in Non-Lending Products
How do you determine the amount of exposure in non-credit products such as ACH, merchant services, remote deposit capture, deposit products, check cashing (MSBs), etc.? How do you monitor; what happens in workout? This session will explore answers to these questions.

George Buchanan, Regions Financial

Retail Session 5

Loss Mitigation and Default Management Strategies
Hear about loss mitigation and collection strategies to optimize principal recovery in response to government sponsored programs and changes in customer payment behavior. The presentation will focus on real estate secured products in the context of a holistic customer relationship.

Seth Waller, U.S. Bank, N.A.
Suzy Gardner, FDIC
Sharad Kumar, RBS Citizens Business Services

12:30 p.m. – 1:15 p.m.
Luncheon

1:15 p.m.
Conference Adjourns