Credit Conference - Louisville

If you are not a KBA member, please contact Jamie Hampton at jhampton@kybanks.com or 502-736-1278 for the possibility of attending at a non-member rate.

Seminar 10 a.m. - 3 p.m. local time. Registration begins after 9:30 a.m.

How Best To Deal With 2022 Credit Uncertainties

David Ruffin, Principal, Intellicredit, a QwickRate company


After 2020's pandemic-induced uncertainties about our bank's credit quality, 2022 will require bankers to take proactive steps to both quantify and manage the credit after-shocks of COVID-19, including identifying hotspots in variously impacted subsets of our portfolios. In other words, writing our own risk profile script - before the regulator, or peer, does it for us!

Lending Compliance for Non-Compliance Lenders

Nicole Upshur, ESQ., MBA Ceritified Mortgage Compliance Professional Level LEVEL II, COMPTIA Security + Certified, Regulatory Compliance Counsel, Ncontracts


Loan officers don't have to be compliance experts, but they do need to be aware of the basics of lending compliance. Failing to follow compliance policies and procedures can result in damage to an institution's reputation - and a loan officer's career prospects.

Don't let lack of lending compliance knowledge detail your career. Join us for this informative session, where our experts will explain the basics of lending compliance. From HMDA and CRA to mortgages and complaint management, you'll come away understanding why lending compliance is important and what you need to know and do in order to avoid trouble.

Getting Beyond the COVID Credit Tail

David Ruffin, Principal, Intellicredit, a QwickRate company


Going forward, bankers must coordinate all of the tools in their arsenals (stress testing, portfolio analytics, loan review, etc.) to tackle the credit uncertainties residing with main street borrowers. From a credit risk management perspective, these are traditionally seen as separate disciplines - however, together, they are mutually informative and provide an efficient solution to staying ahead of emerging credit risk.

How to Find Loan Growth - and Smartly

David Ruffin, Principal, Intellicredit, a QwickRate company


Community banks cannot ignore the negative loan growth pervading most parts of our industry. Recent financial results confirm that in commercial banks, $10B and smaller, average twelve-month loan growth at a negative (.43) nationally, with banks in many states showing declines of 100+ basis points. If not turned around soon, this has further troubling implications on already thin net interest margins. It’s hard to believe that our biggest lending issue right now is finding loans to make. In this workshop, we’ll look at the challenges facing banks in loan opportunity categories and discuss alternative areas they can grow their portfolios in this environment — without risk and with the appropriate risk management techniques.

Opportunities with Participation Loans

Tamuna Loladze, Chief Operating Officer, and Tammy Nichols, Financial Officer/Assistant Manager, HOPE of the Midwest


Cancellation Policy

Cancellations received more than 30 days prior to the event will receive a full refund. Cancellations received between 29 days and 10 days prior to the event will be charged a $50 processing fee. There will be no refund for cancellations received less than 10 days prior to the event. Substitutions are always welcome and encouraged. All cancellations and substitutions must be submitted in written format prior to the event.

 

When
10/19/2022 - 10/19/2022
Where
Indiana Wesleyan University
1500 Alliant Avenue
Louisville, KY

About the Speaker(s)

SpeakerBlock
Ms. Tamuna Loladze
Ms. Tamuna Loladze
HOPE of the Midwest

Tamuna Loladze is Chief Operating Officer at HOPE of the Midwest (HOPE), overseeing different aspects of HOPE’s operations, as well as playing a key role in asset management and underwriting.

Prior to joining HOPE, Mrs. Loladze served as Chief Operating Officer at Bluegrass International Fund in Louisville, KY, focusing on attracting foreign investment to local projects under the federal EB-5 program. Previously, she worked for 9 years at the World Bank Group in Washington, DC, where she led capital market development efforts in emerging market countries globally, with a focus on financing infrastructure and housing needs. Earlier in her career, she worked in financial services in New York and Kentucky.

Mrs. Loladze holds an MBA and Master of Science in Foreign Service from Georgetown University and bachelor’s degrees in Economics and Business Administration (Finance) from Transylvania University. She serves on the Growth Loan Committee of Access Ventures in Louisville.

Ms. Tamuna Loladze
Ms. Tamuna Loladze
HOPE of the Midwest

Tamuna Loladze is Chief Operating Officer at HOPE of the Midwest (HOPE), overseeing different aspects of HOPE’s operations, as well as playing a key role in asset management and underwriting.

Prior to joining HOPE, Mrs. Loladze served as Chief Operating Officer at Bluegrass International Fund in Louisville, KY, focusing on attracting foreign investment to local projects under the federal EB-5 program. Previously, she worked for 9 years at the World Bank Group in Washington, DC, where she led capital market development efforts in emerging market countries globally, with a focus on financing infrastructure and housing needs. Earlier in her career, she worked in financial services in New York and Kentucky.

Mrs. Loladze holds an MBA and Master of Science in Foreign Service from Georgetown University and bachelor’s degrees in Economics and Business Administration (Finance) from Transylvania University. She serves on the Growth Loan Committee of Access Ventures in Louisville.

LOLADZE, TAMUNA
Mrs. Tammy J. Nichols
Mrs. Tammy J. Nichols
HOPE of the Midwest

Tammy Nichols is the Finance Officer and Asset Manager at HOPE of the Midwest (HOPE) with a primary focus on loan servicing and asset management as well as playing a key role in project underwriting. Prior to transitioning full time to HOPE, Mrs. Nichols served as the Event Coordinator for the Kentucky Bankers Association (KBA) planning its Annual Convention, the KBA’s largest program. She has worked for the KBA for over 21 years serving in various positions.

Mrs. Nichols graduated Summa Cum Laude with her Master of Business Administration from Sullivan University in 2012. She also holds a Bachelor of Science in Business Marketing and a Bachelor of Science in Business Management.

Mrs. Nichols has served as Board Member of Metropolitan Housing Coalition in Louisville.
Mrs. Tammy J. Nichols
Mrs. Tammy J. Nichols
HOPE of the Midwest
Tammy Nichols is the Finance Officer and Asset Manager at HOPE of the Midwest (HOPE) with a primary focus on loan servicing and asset management as well as playing a key role in project underwriting. Prior to transitioning full time to HOPE, Mrs. Nichols served as the Event Coordinator for the Kentucky Bankers Association (KBA) planning its Annual Convention, the KBA’s largest program. She has worked for the KBA for over 21 years serving in various positions.

Mrs. Nichols graduated Summa Cum Laude with her Master of Business Administration from Sullivan University in 2012. She also holds a Bachelor of Science in Business Marketing and a Bachelor of Science in Business Management.

Mrs. Nichols has served as Board Member of Metropolitan Housing Coalition in Louisville.
NICHOLS, TAMMY
Mr. David Ruffin
Mr. David Ruffin
Intellicredit A Division of QuickRate

David has more than 42 years of experience in the banking industry with a focus on credit risk. He has 27 years of experience as a business owner and banking industry consultant. David helps lending institutions evaluate credit risk—both traditional transactional credit risk and the emerging more macro portfolio focus by assessing all aspects of the credit process and credit culture. Through his experience as a practicing banker and managing a credit consultancy firm, David has worked with management teams and boards of directors to create value by assessing the quality of loan review, credit talent, underwriting, servicing and loan approval protocols.
Mr. David Ruffin
Mr. David Ruffin
Intellicredit A Division of QuickRate
David has more than 42 years of experience in the banking industry with a focus on credit risk. He has 27 years of experience as a business owner and banking industry consultant. David helps lending institutions evaluate credit risk—both traditional transactional credit risk and the emerging more macro portfolio focus by assessing all aspects of the credit process and credit culture. Through his experience as a practicing banker and managing a credit consultancy firm, David has worked with management teams and boards of directors to create value by assessing the quality of loan review, credit talent, underwriting, servicing and loan approval protocols.RUFFIN, DAVID
Nicole Upshur
Nicole Upshur
NContracts

NICOLE UPSHUR, ESQ., MBA CERTIFIED MORTGAGE COMPLIANCE PROFESSIONAL LEVEL II, COMPTIA SECURITY + CERTIFIED Regulatory Compliance Counsel Mrs. Upshur oversees the creation of mortgage law content on state and Federal levels for Ncontracts’ compliance program and is a frequent blog author on fair and responsible banking topics. Prior to joining Ncontracts, she was In-House Legal Counsel where she managed mortgage litigation matters and provided compliance oversight over hundreds of vendors and mortgage companies. Mrs. Upshur is a recipient of the MBA diversity scholarship and is an active member of several MBA committees including the Regulatory Compliance Subcommittee, the Legal Issues and Regulatory Compliance Committee, and the State Legislative and Regulatory Committee. Ms. Upshur also represents other attorneys as the elected Large Councilwoman for the Virginia State Bar. She received her J.D. at Regent University School of Law, in Virginia Beach, Virginia where she currently resides with her husband and two children. Ms. Upshur is a veteran of the United State Marine Corps.
Nicole Upshur
Nicole Upshur
NContracts
NICOLE UPSHUR, ESQ., MBA CERTIFIED MORTGAGE COMPLIANCE PROFESSIONAL LEVEL II, COMPTIA SECURITY + CERTIFIED Regulatory Compliance Counsel Mrs. Upshur oversees the creation of mortgage law content on state and Federal levels for Ncontracts’ compliance program and is a frequent blog author on fair and responsible banking topics. Prior to joining Ncontracts, she was In-House Legal Counsel where she managed mortgage litigation matters and provided compliance oversight over hundreds of vendors and mortgage companies. Mrs. Upshur is a recipient of the MBA diversity scholarship and is an active member of several MBA committees including the Regulatory Compliance Subcommittee, the Legal Issues and Regulatory Compliance Committee, and the State Legislative and Regulatory Committee. Ms. Upshur also represents other attorneys as the elected Large Councilwoman for the Virginia State Bar. She received her J.D. at Regent University School of Law, in Virginia Beach, Virginia where she currently resides with her husband and two children. Ms. Upshur is a veteran of the United State Marine Corps. UPSHUR, NICOLE

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