Past Event

26th Annual Lenders Conference
March 17-19, Rancho Mirage

The 26th Annual Lenders Conference is a marquee event for the California Bankers Association. For more than 25 years, CBA has enjoyed hosting this program to provide our members with key industry updates, as well as provide a platform for banking service providers to showcase their first-rate products and services to event participants. It’s an essential opportunity for chief lending officers, chief credit officers, credit administrators and loan administrators to convene face-to-face with their peers, regulators, economists and inspiring speakers that shape this program.

The 26th Annual Lenders Conference will be held at the Rancho Las Palmas in Rancho Mirage, California. The annual golf tournament will start at 10:00 a.m. on Sunday, March 17th. Registration for the conference will officially open at 2:00 p.m. and our exhibit hall will open at 3:00 p.m.

Our conference will officially kick off at 4:00 p.m. with our keynote address and will immediately be followed by the welcome reception in the exhibit hall to network with your peers and our vendors.

Who Should Attend

  • Chief credit officers
  • Chief lending officers
  • Credit administrators
  • Loan administrators
  • DeNovo officers

Speaker Highlights

Donald L. Kohn
Don is the former vice chairman of the Board of Governors of the Federal Reserve System and served as a member of the Board of Governors of the Federal Reserve Board from 2002 until 2010.  He is currently a senior fellow in the Economic Studies Program at the Brookings Institution.  Prior to joining the Board of Governors of the Federal Reserve, he was an adviser to the Board for Monetary Policy (2001-02), secretary of the Federal Open Market Committee (1987-2002), director of the Division of Monetary Affairs (1987-2001), and deputy staff director for Monetary and Financial Policy (1983-87).

Lewis A. (Lee) Sachs
Lee is Co-Founder and CEO of Alliance Partners. Prior to founding Alliance Partners, Lee served in the Obama Administration as Counselor to the Secretary of the Treasury and Head of the Obama Administration’s Financial Crisis Response Team. Previously, Lee was a Partner of Mariner Investment Group and Chairman of the Investment Committee. During the Clinton Administration, Lee was Assistant Secretary of the Treasury for Financial Markets. Until 1998, Lee was a Senior Managing Director, Head of Global Capital Markets and a member of the Board of Directors of the Bear, Stearns Companies Inc.

Dr. Esmael Adibi
Dr. Adibi, director of the A. Gary Anderson Center for Economic Research and Anderson Chair of Economic Analysis at Chapman University, received his doctorate degree in Economics from Claremont Graduate University.  His research interests include macroeconomics, financial markets, and regional economics. Dr. Adibi is past president of the Association for University Business and Economic Research. He serves on the board of directors of SchoolsFirst Federal Credit Union, and is a member of California Controller’s Council of Economic Advisors.

Michael Allison
Michael Allison serves as Opus Bank’s Chief Credit Officer and is responsible for establishing and implementing credit policies and products, monitoring compliance with these policies, the underwriting of loans, the periodic review and classification of loans and other assets, and the resolution of the Bank’s non-performing assets.

Mr. Allison’s 33-year banking career has focused on asset-based lending, and C&I, multifamily residential, and commercial real estate lending. From 2001 to 2009, Mr. Allison held executive positions at Washington Mutual, most recently serving as Deputy Chief Credit Officer. From 1986 to 2001, Mr. Allison held senior credit positions with Seafirst Bank and Bank of America in the Pacific Northwest.

Eric G. Baron
Eric G. Baron is a principal of Aldrich Bonnefin & Moore, serving the firm’s clients since 1991, specializing in commercial and real estate lending, construction lending, loan participations, letters of credit, environmental law, employment law and corporate matters. As part of his practice, Mr. Baron regularly advises clients on legal issues related to loan participations, as well as commercial and real estate lending, including documenting loans using the LaserPro® Lending software. Mr. Baron is a featured speaker for the Bankers’ Compliance Group, California Bankers Association, Robert Morris Associates, and Harland Financial Services, lecturing on loan documentation, real estate finance, construction lending, commercial lending topics, loan participations and letters of credit.

Garrick H. Brown
Garrick Brown joined Cassidy Turley in October 2010. He currently serves as the Director of Research for Cassidy Turley in Northern California. Mr. Brown also acts as the National Director of Retail Research for Terranomics and the ChainLinks Retail Advisors. Terranomics is the retail division of Cassidy Turley in Northern California and it is also a California affiliate of the ChainLinks Retail Advisors Group, a consortium of more than 30 commercial real estate brokerages across the United States that focus primarily upon retail real estate.

Garrick manages a staff of 15 researchers and is responsible for producing the firm’s analyses and forecasts for Northern California; he also produces a number of Cassidy Turley’s national publications focusing on the investment market and frequently authors white papers on prescient commercial real estate topics. He is responsible for all of Terranomics’ retail publications, as well as ChainLinks’ national research reports and forecasts. Mr. Brown is also the editor of our weekly retail publication, the Terranomics Retail Newsline, which is distributed weekly to over 15,000 retail real estate professionals.

Leland Chan
Since 2000, Leland Chan has been the general counsel for CBA, after serving for six years as associate counsel. In addition to advising the association on legal matters, Leland directs the litigation activities for the association, frequently acts as amicus curiae (“friend of the court”) in state and federal courts, and, in some cases, files suit on behalf of the industry. He is also responsible for regulatory matters affecting banking, frequently preparing comment letters on regulatory proposals, and analyzing new laws and regulations for CBA members.

Richard S. Dixon, Jr.
Richard Dixon is an Assistant Deputy Comptroller in the Midsize/Community Bank Supervision division of the Office of the Comptroller of the Currency (OCC).  Richard manages the OCC’s Los Angeles Field Office located in Glendale, CA, supervising community bank (National Banks and Federal Savings Banks) in the Greater Los Angeles Area.  He assumed these duties in June 2010.

Mr. Dixon joined the OCC in 1989 as an Assistant National Bank Examiner in Los Angeles and was commissioned as a National Bank Examiner in 1995.  He has a broad supervision background, including the supervision of community banks of all sizes and complexities throughout Southern California, serving as a member of the resident examination team at a large bank, and as a midsize bank Examiner-in-Charge.

Mr. Dixon is a native of Southern California.  He holds a bachelor’s degree in business administration from Loyola Marymount University in Los Angeles.

David Doyle
Dave Doyle began his banking career in Houston and Dallas working for regional and large banks as a middle market and large corporate lender. In 1985, he joined the Dallas Federal Reserve Bank, examining community, regional and large banks as well as foreign banking organizations’ branches and agencies.  In 1992, he transferred to the San Francisco Reserve Bank, and is based in Los Angeles.  In his current position, he is the 12th District’s credit risk coordinator, responsible for fielding credit risk questions from bankers and examiners, and for reporting to Bank, Supervision, and Regulation Management on credit risk trends and emerging credit issues for the district.  He also participates in examinations and periodically conducts quality control reviews of examination work related to credit.  He is an active member of the Risk Management Association, Los Angeles Chapter (past chapter president and programming chair).

Dorothy Endsley
Ms. Endsley is a senior risk management examiner in the Orange County, California field office for the FDIC.  She joined the FDIC in 1989.  Dorothy is the Accounting Subject Matter Expert for the field office and passed the Uniform Certified Public Account examination in 1991.  She is regularly in charge of complex examinations and addresses a variety of accounting and regulatory issues. 

Ms. Endsley has been a course instructor for both the Loan Analysis School and Information Technology Examination School at the FDIC’s Corporate University.  She has contributed to external and internal FDIC publications.  Dorothy is a Certified Information Systems Auditor.  Ms. Endsley graduated with honors from the Stonier Graduate School of Banking and graduated Magna Cum Laude with a Bachelor’s degree in business administration and an MBA from San Diego State University, San Diego, California.

John Falcone
Mr. Falcone is currently the Regional Capital Markets and Securities Specialist for the San Francisco Region of the FDIC.   He joined the FDIC in 1992 as a bank examiner in Los Angeles and was promoted to his current position in 2005.  Mr. Falcone is the Regional contact on BASEL III and other capital markets related issues including investments, mortgage banking, liquidity, and interest rate risk.  He has examined well over 100 institutions in his career and served on the FDIC team that managed the conservatorship of IndyMac Bank in 2008 and 2009.  Mr. Falcone has a BS degree in Chemical Engineering from Lafayette College and an MBA in Finance and Accounting from the University of Southern California.

Kevin Gould
Kevin Gould joined the California Bankers Association (CBA) in 2004, bringing with him more than seven years of legislative experience. As Senior Vice President and Director of State Government Relations, Kevin serves as one of CBA’s registered lobbyists, focusing mainly in the areas of bank operations, commercial lending, residential property lending, construction dispute resolution, wealth asset management and trust issues.

Jack Hubbard
Widely known as the “Professor of Prospecting,” Jack Hubbard has shared his passion for what it takes to build trust-based sales initiatives for more than three decades. He has helped build more than 100 Performance Management Cultures from Maine to Florida, Texas to California and all points in between. With more than 65,500 bankers personally trained and coached, Hubbard is one of America’s most sought after facilitators. An author, lecturer and classroom instructor, Hubbard’s expertise and out-of-the-box thinking put him in great demand when the subject matter is sales and sales management in business and commercial banking.

Gary H. London
Gary London is President of The London Group Realty Advisors, a diversified real estate strategic advisory, development management, investment, capital access and analysis firm whose clients include investors, developers, lenders  and public agencies.

In practice as an analyst and strategic advisor for four decades, Mr. London is well known throughout the U.S. as a counsel to many of the nations largest investors, lenders and practitioners. He has a reputation as a prescient, forward thinker who translates opportunities (or problems) into profits.

Mr. London is an Instructor at The Burnham-Moores Center for Real Estate, University of San Diego as well as an adjunct Professor at Arizona State University’s graduate program in real estate development (MRED). He had taught at the University of California, San Diego Extension for 24 years. Previously, he was West Region Director of Real Estate Consulting for Price Waterhouse and Executive Director of The Goodkin Group. He is a graduate of U.C. Berkeley and received his Master’s degree from San Diego State University.

Maurine Padden
Maurine Padden is the chief operating officer for CBA. She previously served  as CBA’s chief administrative officer and also as its lead lobbyist in the most active state legislature in the country. Maurine continues to manage CBA’s legislative advocacy efforts. Immediately prior to joining CBA in 1989, Maurine was counsel for the State Teachers Retirement System (STRS), and also served as trial counsel for the Department of Industrial Relations.

Maurine received her law degree from University of the Pacific’s McGeorge School of Law and holds her bachelor’s degree in Government and Economics from California State University, Sacramento.

Mark Phillips
Mark Phillips is Executive Vice President & Chief Credit Officer of Grandpoint Capital, LLC, a multi-bank holding company with total assets of approximately $2.3 billion.  In this role, he is responsible for the loan portfolio credit quality & credit administration of all of the company’s subsidiary banks and supervises all asset quality due diligence on target acquisitions.  Mr. Phillips also serves as a board member for two of the company’s subsidiary banks.

In his 32 year banking career, he has been a lender, a senior credit officer and an executive officer at a number of financial institutions as both Chief Credit Officer and Chief Operating Officer.  Mr. Phillips has extensive experience in all areas of credit including C&I, commercial real estate, multifamily and government assisted/guaranteed lending programs.  Through his privately owned company, he has also provided consulting services to a number of banks throughout California and the Southwest.

Robert Preite
Mr. Preite has been a bank examiner with the FDIC for over 25 years.  As a Supervisory Examiner in the Salt Lake City Territory, he oversees and coordinates the scheduling of 60 State Nonmember banks, with combined total assets of approximately $191 billion, including 20 industrial loan corporations.  Mr. Preite was the Examiner-In-Charge of American Express Centurion Bank ($32 Billion in managed assets) under the FDIC’s Large Bank Supervision Program from 2001 to 2003.  In addition, Mr. Preite was involved in numerous projects, including the FDIC Directors’ College Training program, Forward Looking Supervision-Lessons Learned from the Crisis, and the Wal-Mart hearings. 

In 2011, Mr. Preite provided training on the ALLL, loan grading systems, and TDR to the Idaho Bankers Association.  He has also served on numerous regulatory panels during his career. During his 25 years with the FDIC, he has also examined a variety of community banks, including numerous agricultural banks located in Idaho, Montana, Utah, and Wyoming. 

Mr. Preite received his Bachelors of Science – Finance degree from Montana State University in Bozeman, Montana and graduated with honors from Pacific Coast Banking School in Seattle in 2000.

Session Descriptions

General Sessions

Legislative, Regulatory and Litigation Update

Kevin Gould, CBA’s senior vice president and director of state government relations will report on the industry issues that are top of mind at our state’s capitol and discuss in depth the rules and regulations that will most impact your financial institution. Leland Chan, CBA’s general counsel will discuss recent development in bank regulation and litigation.

Trouble Debt Restructuring (TDR) Workshop

Appropriately structuring and accounting for TDRs can maximize your recovery on a problem loan and, in turn, your ability to return the loan to accrual status and pass classification.  We will discuss the criteria for designating a loan as a TDR and review ALLL impairment and charge-off implications.  We’ll go over nonaccrual treatment, A/B note structures, Call Reporting, and when a TDR can be a pass loan.  Tabletop exercises will reinforce the participants’ understanding of the concepts.

Capital Standards, BASEL III and Other Supervisory Hot Topics

Regulators from the Federal Deposit Insurance Corporation and the Federal Reserve Bank will provide insight and give an overview of the current situation with regards to BASEL III and new capital standards, as well as provide an update on industry conditions and supervisory hot topics in the banking industry.

Bank M&A Panel – Winners and Losers in the Coming Year

In this session, key players in our industry’s most active mergers & acquisitions environment in recent history will provide a banking industry overview and share their perspective on both the good and bad news that is on the horizon. Presenters will discuss the key drivers of consolidation for both sellers and buyers in this active environment and explain why size does matter with respect to efficiency, profitability and credit quality of a deal. The conversation will close out with an analysis of up-to-date M&A statistics, with an emphasis on recent deals and current valuation trends.
 

California CRE Investment Outlook 2013: The Once and Future Market

This symposium will include a review of long-term demand trends for the office, industrial, retail and multifamily sectors.  In addition to macro trends, our speakers will present a review of recent investment activity; focusing on local fundamentals, pricing and capitalization rate trends, investor demand and deal fundamentals while also sharing their forecasts for investment activity in the months ahead for California’s major marketplaces.

U.S. and California Economic Outlook

The demise of the housing market, the global credit crisis and recession hurt California’s economy disproportionately harder than the rest of the nation. Dr. Adibi will discuss the current state of national and state economies and present the forecast for 2013. The presentation will explore the role of monetary and fiscal policies in stimulating the national economy.

Breakout Sessions

Creating a Commercial Banking Performance Culture

After decades of talk and unsustainable training events, banks continue to struggle with sales execution. Best of breed organizations are transforming sales cultures into Performance Management Cultures. Learn how the integration of infrastructure, tools, sales and sales management routines and behavioral measurement can move the bank from transactions to trust-based conversations through sales execution. You will experience:

  • How a dynamic sales process brings higher close rates and earns trusted advisor status
  • How one bank’s pipeline meetings have gone from “pipedream” to strategy
  • How Check-ins have helped shorten the sales cycle by 1.5 calls
  • How The PowerHour has put more feet on the street
  • How technology is bridging the coaching gap through metrics that matter
  • How marketing can be a strategic partner in the process

    That’s a lot to cover but you’ll get it all and more in this fast paced program.

Impact of the Consumer Financial Protection Bureau (CFPB) on the Federal Deposit Insurance Corporation (FDIC) and the Office of the Comptroller of the Currency (OCC)

Regulators from both the FDIC and OCC will discuss how the formation of the Consumer Federal Protection Bureau (CFPB) has changed the role and ways in which their respective agencies govern and regulate the banking industry. Issues to be covered include 3rd party oversight, UDAP, fair lendings, examination focus, and the overall impact of the CFPB on community banks. The agencies will also provide projections on how they expect this relationship to continue to change and affect their oversight moving forward in 2013 and beyond.

Participation Agreements: A Checklist for Review

Since the 2008 financial crisis, the courts have seen a dramatic increase in cases involving the relationship between the lead lender and the participant in loan participation transactions. While the specific issues between the parties have varied, one constant developed. The courts repeatedly pointed to the terms and conditions of the loan participation agreement as the source for resolving disputes between the parties.

One message from these cases is clear – the loan participation agreement must be carefully drafted and reviewed, as it is the terms set out in the agreement that may affect a party’s rights and obligations under the participation. In this session, we will review the major provisions that should be included in a well drafted agreement, as well as strategies for protecting the interests of both the lead lender and the participant.

Registration & Accommodations

Early-Bird Registration by February 15, 2013

CBA Member Bank               $795     Golf Fee  $125 
CBA Affiliate Member            $995     Golf Fee  $150
Non-Member Bank                $1095    Golf Fee $125 
Non-Member Vendor             $1295    Golf Fee $150
Spouse                                  $395

Regular Registration after February 15, 2013

CBA Member Bank                $995    Golf Fee  $125 
CBA Affiliate Member             $1195  Golf Fee  $150 
Non-Member Bank                 $1295  Golf Fee  $125
Non-Member Vendor              $1495  Golf Fee  $150
Spouse                                   $395

Please note: Fax registrations will be accepted, but payment must be received before the event start date.

Cancellation Policy

Substitutions are allowed at no additional cost.

Written notice is required for all cancellations. The full registration fee will be refunded if the request is received by February 15, 2013 and 50 percent if received by March 1. There will be no refunds after March 1. Registrations made after March 1 are not subject to refund.

Location

Hotel accomodations can be made by calling:

Rancho Las Palmas
41-000 Bob Hope Drive
Rancho Mirage, CA 92270-4497

(866) 423-1195

The CBA rate is $195, single or double occupancy, plus taxes and fees.

Please make your reservations by February 5, 2013; requests after this date will be accepted on a space-available basis at the hotel’s prevailing rates.

Agenda*

*Tentative

Sunday, March 17, 2013

9:00 p.m. – 3:00 p.m.    Exhibitor set-up (golfers my set up earlier)

10:00 p.m. – 3:00 p.m.    Annual golf tournament

2:00 p.m. – 6:30 p.m.      Registration Open

Sponsored by Kraft Opich, LLP

3:00 p.m. – 4:00 p.m.      Exhibit Hall Opens

4:00 p.m. – 5:15 p.m.      Opening Keynote Address

                                        Don Kohn
                                        Director
                                        Alliance Partners
                                        Former Vice Chairman of Federal Reserve

                                        Lee Sachs
                                        Co-Founder and CEO
                                        Alliance Partners

5:15 p.m. – 6:30 p.m.      Welcome reception and vendor exhibition

 

Monday, March 18, 2013

7:30 a.m. – 4:30 p.m.     Registration Open

Sponsored by Kraft Opich, LLP

7:30 a.m. – 8:30 a.m.     Continental breakfast and exhibits

8:35 a.m. – 8:45 a.m.     Conference welcome (conference chair)

8:45 a.m. – 10:00 a.m.   General Session #1

Legislative, Regulatory and Litigation Update

Leland Chan
SVP, General Counsel
California Bankers Association

Kevin Gould
SVP, Director of State Government Relations
California Bankers Association

10:00 a.m.-10:30 a.m.    Refreshment break and exhibits

10:30 a.m.-12:00 p.m.    General Session #2

Capital Standards, BASEL III and Other Supervisory Hot Topics

John Falcone
Regional Capital Markets and Securities Specialist
Federal Deposit Insurance Corporation

David Doyle
Senior Examiner – Risk Monitoring and Analysis Group
Federal Reserve Bank of San Francisco
 

12:00 p.m. – 1:00 p.m.     Luncheon

1:00 p.m. – 2:30 p.m.       General Session #3

Mergers & Acquisitions Panel

Aaron Axton
Managing Principal
Keefe, Bruyette & Woods, Inc. 

Michael Allison
EVP & CCO
Opus Bank

Mark Phillips
EVP & CCO
Grandpoint Capital, LLC

2:30 p.m. – 3:00 p.m.       Refreshment break and exhibits

3:00 p.m. – 4:00 p.m.       Concurrent Sessions I

1) Participation Agreements: A Checklist for Review

Eric Baron
Partner
Aldrich, Bonnefin & Moore, PLC

2) How the CFPB Effects the FDIC and OCC

Bob Wirtz
Assistant Regional Director – Division of Depositor and Consumer Protection
Federal Deposit Insurance Corporation

Richard S. Dixon, Jr.
Assistant Deputy Comptroller
Los Angeles Office
Office of the Comptroller of the Currency

3) Creating a Commercial Banking Performance        Culture

Jack Hubbard
CEO
St. Meyer & Hubbard

4:00 p.m. – 4:15 p.m.     Break

4:15 p.m.- 5:15 p.m.      Concurrent Sessions II

1) Participation Agreements: A Checklist for Review

Eric Baron
Partner
Aldrich, Bonnefin & Moore, PLC         

2) How the CFPB Effects the FDIC and OCC

Bob Wirtz
Assistant Regional Director – Division of Depositor and Consumer Protection
Federal Deposit Insurance Corporation

Richard S. Dixon, Jr.
Assistant Deputy Comptroller
Los Angeles Office
Office of the Comptroller of the Currency

3) Creating a Commercial Banking Performance Culture

Jack Hubbard
CEO
St. Meyer & Hubbard

5:15 p.m. – 6:30 p.m.     Vendor exhibition and reception

6:30 p.m.                         Dinner on your own

Tuesday, March 19, 2013

7:30 a.m. – 5:00 p.m.       Registration Open

Sponsored by Kraft Opich, LLP

7:30 a.m – 8:45 a.m.        Continental breakfast and exhibits

8:55 a.m. – 9:00 a.m.       Welcome and introductions

9:00 a.m. – 10:30 a.m.     General Session #4

U.S. and California Economic Outlook

Dr. Esmael Adibi 
Chief Economist & Director of the A. Gary Anderson Center for Economic Research, Chapman University

10:30 a.m. – 11:00 a.m.     Refreshment break and exhibits

11:00 a.m. – 12:30 p.m.     General Session #5

California CRE Investment Outlook 2013: The Once and Future Market

Garrick Brown
Director of Research 
Cassidy Turley

Gary London
President
The London Group Realty Advisors

12:30 p.m.-1:30 p.m.       Lunch

1:30 p.m.-3:30 p.m.         General Session #6

FDIC TDR Workshop

Dorothy Endsley
Senior Examiner – Orange County
Federal Deposit Insurance Corporation

Robert Preite
Supervisory Examiner – Salt Lake City
Federal Deposit Insurance Corporation

3:30 p.m.-3:45 p.m.         Break

3:45 p.m. – 5:00 p.m.       Peer Roundtable Discussions

Moderated by:

Maurine Padden
EVP, Chief Operating Officer
California Bankers Association

5:00 p.m. – 6:00 p.m.       Closing Reception 

Sponsor/Exhibitor Information

To learn about sponsor and exhibitor opportunities, please contact:

Cynthia DeOliver
VP, Director of Events Management 
(916) 438-4401
click to email

Current Sponsors
Alliance Partners
Aldrich, Bonnefin & Moore, PLC
Bankers Healthcare Group
Financial Tools, Inc.
Kraft Opich, LLP
Frandzel Robins Bloom & Csato, L.C.
Pacific Coast Bankers’ Bank

Current Exhibitors
Andersen Environmental
Appraisal Nation
BancForce
Bankers Heathcare Group
BBC Easy
California Capital Access Program (CalCAP)
Curtis-Rosenthal, Inc.
Dougherty Funding, LLC
Financial Tools, Inc.
First American Commerical Evaluation Services
GCF Evaluation
Global Wave Group
Grandpoint Bank
Harland Financial Solutions
Hasz Fund Control, Inc.
*Kesler Associates
Main Street Checks|
Parasec
QuieTrack Insurance Services
SBS Trust Deed Network
SDC Appraisal Review & Consultants
T.D. Service Company
Time Value Software

*Strategic Partners

Why you should sponsor or exhibit:

  • An excellent opportunity to maximize your company’s brand awareness and increase your market position
  • Gain direct access to CBA member banks and institutions in an exclusive environment
  • Raise your profile above your competitors
  • Learn about the issues confronting today’s financial service leaders and gain valuable insight into potential solutions
  • Wide selection of sponsor opportunities designed to match your exposure needs for your budget constraints
  • Shape or reinforce a positive perception of your company with California’s bank executives
  • Help support California Bankers Association, the largest non-profit banking organization serving the California financial services industry

Commands