Education Seminar

Community Bankers Credit Workshop
Westin St. Francis in San Francisco

The FDIC San Francisco Region is pleased to announce the first 2013 installment of their seminar series: Community Bankers Credit Workshop. The Workshop will focus on the allowance for loan and leases losses, troubled debt restructuring and the rating of asset quality.

The Workshop is an interactive, one-day event designed to provide information on current topics of interest. Highlights of this year’s event include:

  • Allowance for Loan and Lease Losses (ALLL)
  • Troubled Debt Restructuring (TDR)
  • Economic Presentation
  • Asset Quality Rating Tabletop Exercise.

Agenda

The session will run from 8:30 a.m. to 3:30 p.m., with breakfast and registration beginning at 7:30 a.m. and lunch at 11:30 a.m.

8:30 – 8:45
Introductions/Expectations/Agenda

8:45 – 10:00
Allowance for Loan and Lease Losses (ALLL) – You asked for clarity and guidance regarding the ALLL and we listened! The ALLL discussion will include methodology best practices, loss migration analysis, and examples to clarify regulatory guidance.

10:00 – 10:15
Break

10:15 – 11:30
Troubled Debt Restructuring (TDR) – The TDR discussion topics include identifying a TDR loan, ALLL implications including measuring impairment, accrual vs. nonaccrual, and adverse classification. We will also discuss the removal of the TDR, nonaccrual, and adverse classification designations as the credit improves over time. Additionally, the Workshop also includes examples and a tabletop exercise (after lunch).

11:30 – 12:45
Lunch/Presentation on Economic Conditions – An economic specialist will highlight aspects of the economy tailored to your specific area/state. Walk away with valuable insight into your market area, and the resources to continue your research.

12:45 – 1:45
Evaluate the Loan: TDR or Not?

1:45 – 2:00
Break

2:00 -2:30
Ask the Regulators - A favorite from past attendees! You will have the opportunity to ask the regulators your specific questions. Share what is on your mind and let us address the questions that matter the most to you.

2:30 – 3:30
Asset Quality Rating Tabletop Exercise – You have the opportunity to be the regulator. Participate in a realistic examination scenario. Can your team of peers analyze the facts and assign the appropriate rating? Together we will discuss the process, analysis, rating factors, and definitions used to rate one of the most important components of a Safety and Soundness examination.

3:30
Adjourn

Audience

Financial Institution Presidents/Chief Executive Officers; Chief Credit Officers; Chief Risk Officer; officers responsible for the ALLL, TDR, and nonaccural accounting; and Directors with responsibilities over lending.

Scheduled Speakers

Lana Escobar
Supervisory Examiner
FDIC – Los Angeles, CA

Ms. Escobar is a supervisory examiner in the Los Angeles territory.  She has been a bank examiner for over 18 years, and joined the FDIC in 2001.  Prior to joining the FDIC, Ms. Escobar was a senior bank examiner at the California Department of Financial Institutions.  She frequently serves as examiner-in-charge at bank examinations and special visits handling a complexity of issues.  Ms. Escobar played key roles in the Los Angeles territory during the banking crisis and was responsible for onsite monitoring of several banks.  She regularly participates in preparing and conducting training for field office staff.  Ms. Escobar is also a field office subject matter expert in capital markets, training, and technology.  She earned a Bachelor of Science degree in Business Administration from San Diego State University, San Diego, California.

Brett McDivitt
Case Manager
FDIC – San Francisco, CA

Mr. McDivitt is a Case Manager in the San Francisco, California regional office.  He joined the FDIC in 2002 in Houston, Texas.  He served as an Examiner in the Denver field office from 2004 until 2009 when he accepted the Case Manager position he currently holds.  Brett served as the Accounting Subject Matter Expert for the Denver field office and currently serves as the backup Regional Accountant for the San Francisco regional office.  He has been a CPA since 2007.  He oversees and administers a portfolio of financial institutions of varying complexity ranging in size up to $66 billion.  Mr. McDivitt has been a course instructor for the Financial Institution Analysis School at the FDIC’s Corporate University since 2009.  He also served as a course instructor during 2011 for the High Stakes Communication training through FDIC’s Corporate University.  Mr. McDivitt graduated with distinction as Valedictorian from the Southwestern Graduate School of Banking, Southern Methodist University, Dallas, Texas and graduated Summa Cum Laude with a Bachelor’s degree in business administration from West Texas A&M University, Canyon, Texas.

Robert McGibbon
Field Supervisor
FDIC – Los Angeles, CA

Mr. McGibbon began his career with the FDIC in 1988 as an examiner in the Sacramento Field Office.  He was promoted to a Case Manager in the San Francisco Regional Office in 1996 where he spent the next five years.  While there, he was responsible for supervising banks in the Los Angeles, San Francisco, and Salt Lake City, Utah territories.  In 2001, Mr. McGibbon became Field Supervisor for the Billings, Montana Field Office and in 2002 became Field Supervisor for the Los Angeles Territory where he manages two offices that cover Los Angeles and San Bernardino Counties as well as the Central California Coast.  In 2006 and 2007, Mr. McGibbon coordinated the San Francisco Region’s directors’ college initiative, instructing at 28 locations throughout the 11 Western States.  Mr. McGibbon is a 1988 graduate of Oregon State University, Corvallis, Oregon.

British White
Senior Examiner
FDIC – Los Angeles, CA

Ms. White began her career with the FDIC in 2005, through the rigorous Corporate Employee Program, where she was exposed to all areas of the Corporation.  Ms. White is currently a Senior Risk Examiner in the Los Angeles North Field Office.  During her career, she has examined numerous institutions for safety and soundness and compliance issues, and has also worked with the Corporation’s Division of Resolutions and Receivership.  Ms. White performs both Risk Management and Bank Secrecy Act Examinations.  She has served in key roles for a variety of financial institutions, including newly-chartered institutions and complex financial institutions.  Throughout her career she has reviewed numerous allowance methodologies.  She has participated in Shared National Credit reviews and also assisted with the insurance determination of IndyMac.  She received a Bachelor of Science degree in Finance from Hampton University in Hampton, Virginia.

Melissa Young
Senior Examiner
FDIC – Los Angeles, CA

Ms. Young is a senior risk management examiner in the Los Angeles territory.  She joined the FDIC in 1992, and has been the examiner-in-charge of many banks of all sizes, condition, and complexity.  Throughout her career, Ms. Young has recommended enforcement actions, assessed compliance with enforcement actions, and recommended removal of enforcement actions.  She has been a speaker at many of the FDIC’s Banker’s Outreach programs and various other regulatory and banker conferences.  Melissa is also a BSA/AML Subject Matter Expert, and serves as a resource to examiners, bankers, and CPAs.  She has taught the FFIEC Anti-Money Laundering course in the San Francisco region, and rewrote some of the curriculum to communicate a better understanding of the topics.  Melissa has received several awards for her service throughout her career at the FDIC.  Ms. Young is a 1991 graduate of California State University, San Bernardino.

Credit Information

Continuing Professional Education (CPE) credits can be earned for attending this workshop.  Please click the following link to learn how: CPE Disclosure

Registration Fees

If paying by check you must use the fax option (see the attachement above), as online registration is only for credit cards.

Early Bird Registration (thru January 28, 2013)
CBA Member: $345
Non-Member: $345

Regular Registration
CBA Member: $445
Non-Member: $445

Cancellation Policy

The full registration fee will be refunded if a written notice is received by January 30 and 50% if by February 7. No refunds will be provided after February 7. Substitutions are allowed.

Location Information

Thursday February 14, 2013

The Westin St. Francis
335 Powell Street
San Francisco, California 94102
(415) 397-7000
 

A room block has been arranged at a rate of $249/night. Please contact the hotel directly by calling 800-westin1 to reserve and reference the California Bankers Association by January 16, 2013.

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