| Greenville, SC

Lending Conference

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Signature Sponsor:

Allied Solutions, LLC

Tuesday, November 8

Sessions start at 8:30 a.m. and end at 4:30 p.m. ET
  • 7:00 a.m. - 8:30 a.m.
    Registration
  • 7:30 a.m. - 8:30 a.m.

    Start your day with hot breakfast, and the opportunity to build stronger connections with your peers from credit unions across the country.

  • Join NAFCU President & CEO Dan Berger as he kicks off the 2022 Lending conference.

  • Your conference Emcee, Don DiMatteo, Managing Director of Lending at State Department FCU, will review what you can expect over the 3-day Lending conference.

  • You'll meet 3 new people from other credit unions, ask them 3 icebreaker questions, and get a chance to win a prize. 

  • You'll gain a better understanding of market conditions and what may lay ahead and why. Join Graphsandlaugh's always-entertaining Bowtie Economist, Elliot Eisenberg, Ph.D., as he discusses all-new data points about the current and expected health of the economy. You'll learn the most recent statistics on a multitude of key topics such as: the depth and breadth of the current decline in GDP, timing of the recovery, auto lending, home loan activity, inflation, interest rates, the health of labor markets, the impact of pandemic and more.

  • Regulatory changes. Pandemic. Possible recession in 2023. Hear from NAFCU on the state of the credit union industry and you'll unearth what you can expect in regulatory lending oversight as we close out 2022 and enter 2023.

  • What services, products, and tools are available to you through fintech partnerships? How do you leverage these opportunities and stay ahead of the competition? You'll gain a solid understanding of the valuable insights provided in this session, including what partnerships are available to facilitate loan growth and boost member attraction, attrition, and engagement. You'll discover key fintech trends and opportunities for successful loan portfolio management that can help you weather the continued economic recovery and heightened inflation concerns.

  • 11:50 a.m. - 12:50 p.m.

    Energize for the second half of the day, and build stronger connections with your peers from credit unions across the country.

  • With used car lending reaching pre-pandemic normalcy, the growth is still slow, the supply issues still linger, and new car loans look weak. More than 61% of new car financing is still done through the auto manufacturer or dealership. Only about 26.6% of borrowers choose to go with a bank. The percentage is even smaller for credit unions. How can you grow that number? What needs to be done for you to get ahead of progressive dealerships and big banks? How can you not only survive the pandemic but thrive? You'll learn the best practices to help you best position your auto lending services for loan growth in this ever-changing landscape that is shifting the industry into new ways of doing business.

  • Home prices and interest rates are expected to continue to rise, while refinancing is predicted to decline. How can you use your mortgage portfolio products to better serve your members, attract new ones, and manage overall capital? How can you make the mortgage lending process faster and easier? The pandemic accelerated the need to innovate and automate; more and more credit unions offer eClosing as one of the ways to increase competitiveness, efficiency, and member satisfaction. You'll discover the benefits of eClosing and other ways you can set yourself apart in mortgage lending and tips on doing it right.

  • The process to source, underwrite and manage specialty loans can be challenging. While shorter loan duration, pricing and refinancing risk pose concerns, the risk-adjusted returns of specialty lending can outperform traditional loans. Is niche lending the right strategy for you and your membership base? How can you ensure it performs well if you decide to offer it? What are the risks and benefits? In this session you'll explore answers to these and other important questions you need to ask yourself when deciding to enter this space.

  • In this session you'll share ideas, concerns, solutions, experiences, pose questions, and learn from peers. You'll nominate a person from your table who will present the key takeaways from the discussion (questions raised, ideas for collaboration, takeaway points, next steps).

  • Don will recap the day's events and conduct a poll where you'll vote on the most important lending topics for your credit union. The topic that receives the most votes will be the topic of discussion at tomorrow's morning breakout discussion groups.

  • Bonus Content
  • 5:00 p.m. - 6:30 p.m.

    Join us for an early evening reception featuring cocktails and heavy hors-d'oeuvres. It's a great opportunity to connect with your peers in lending from credit unions across the country!

Wednesday, November 9

Sessions begin 8:30 a.m. and end 4:00 p.m.
  • 7:30 a.m. - 8:30 a.m .

    Start your day with hot breakfast, and the opportunity to build stronger connections with your peers from credit unions across the country.

  • Don will welcome you to day 2 of the conference and will break you into groups for the breakout discussion groups session on the most voted lending topic from the yesterday's question poll.

  • In this session you'll join your peers for an informal discussion of the most voted on lending topic from the yesterday's question poll. You'll nominate a person from your table who will present the key takeaways from the discussion.

  • Credit union member engagement is fundamental to your success. Members' evolving needs and preferences for faster, digital, simpler, and easier banking have accelerated during the pandemic. Tech-savvy younger members are looking for mobile and digital banking. You'll learn from one of the top lenders in the industry about innovative services and new technology that can take your member experience to the next level.

  • Credit unions are incorporating artificial intelligence (AI) and loan origination software/algorithms into their system to help evaluate risks, determine loan limits and pricing, and reduce fraudulent applications. However, it requires the right capabilities and metrics and effective strategy and resources. What pricing and profitability models work best? What new tools are available to set the right price for the right products? You'll discover a pricing matrix that addresses risk in a nuanced way and offers consistency and transparency. 

  • 11:40 a.m. - 12:40 p.m.

    Energize for the second half of the day, and build stronger connections with your peers from credit unions across the country.

  • What are the trends? What's working well for others and what's not? How have recent market changes affected indirect lending? Delinquencies and repossessions, longer loan terms and loan-to-value adjustments are some of the primary concerns. You'll explore how to address these concerns and strategize to make your indirect loans perform well. Plus, you'll discover valuable tips on what is needed to reduce risk exposure, leverage strategic partnerships, and to build and grow a successful indirect lending portfolio.

  • Concerned about excess liquidity? Participations and commercial loans may provide an answer. These types of loans can reduce your risk exposure and increase profits, offer share in the profits of the lead CU and better diversification of your assets. In this session you'll learn about the biggest participation and commercial lending opportunities and concerns today, and the outlook for the coming months. Whether you are new to or experienced with participation loans, you'll discover valuable balance sheet management solutions from the top program offerer in the nation.

  • Are you concerned about your credit card portfolio shrinking during the last two and a half years and your average balances still below those before the pandemic? Member liquidity remains relatively high and there is an increase in BNPL financing, inflation, and unsecured personal loans - all add to that concern. Furthermore, members look for convenience, data security, rewards, flexibility for repayment, and low interest rates more than ever. If all of this keeps you up at night, this session is for you. You'll investigate the latest trends shaping the credit card landscape and how to stay on top of the coming changes.

  • Industry lending has remained strong. However, there are signs that some challenges may lie ahead. Refinancing is expected to decline but competition for new mortgages is expected to increase. What strategies are credit unions using to drive growth? How can you become a top lending performer? You'll examine the key revenue drivers, sources of competitive advantage, digital and non-digital capabilities that will help you think strategically about boosting volume and profitability. 

  • A brief wrap up with Don.

  • 4:00 p.m. - 5:00 p.m.

    Join us for a networking happy hour featuring cocktails and heavy hors-d'oeuvres. It's a great opportunity to connect with your peers in lending from credit unions across the country!

Thursday, November 10

Sessions begin 8:30 a.m. and end 1:10 p.m.
  • 7:30 a.m. - 8:30 a.m .

    Start your day with hot breakfast, and the opportunity to build stronger connections with your peers from credit unions across the country.

  • Join Don has he recaps Day 2 and introduces the line up for Day 3

  • Despite foreclosures and delinquencies being historically low, they are expected to increase. What are the top collection trends to look out for in the coming year? What risk management practices and tools do you need to have in place to mitigate the potential delinquency rates? In this session you'll hear about key collections strategies and effective processes, remote and internal toolkits, and communication practices. You'll look ahead to ensure you have a healthy viable collections strategy that keeps your lending program thriving.

  • The pandemic has not only accelerated digital interaction with members, but has increased digital fraud associated with it. Digital fraud has become more complex and sophisticated. You'll learn about the top trends in lending fraud that will help you to know what to look out for. Do you have a good fraud management strategy? What are the best prevention efforts and practices? In this session you'll investigate these questions and the creative ways you can protect your credit union from fraud.

  • BNPL transactions are expected to surpass the $100 billion mark annually by 2024. 38% of users say that BNPL will eventually replace their credit cards. This payment method is especially attractive to Gen Z and millennials. BNPL is convenient and fast, but is not without its pitfalls. Consumers are likely to get charged high interest or fees and this type of installment loan falls into a gray regulatory area. What are you doing to respond to the emerging trend of BNPL? How can you capitalize on this and turn the threat into an opportunity? You'll discover the top ways you can turn BNPL risk into an opportunity.

  • According to Gallup, 39% of people today work fully remote and 42% in a hybrid capacity. For many it's no longer a perk, it is an expectation. How do you develop the best Lending team in this shifting workplace environment? How do you best adjust to change? You'll uncover valuable tips on creating a solid game-plan for building a successful high-performing lending team. Plus, you'll gain insights into taking advantage of an unexpected opportunity to build the workforce of the future.

  • Closing Keynote
  • 1:05 p.m. - 1:10 p.m.
    Conference Closing Remarks