Few things can help you more as the CEO of a community bank than learning from the firsthand experience of your peers. Would you like an opportunity to interact with the CEO of another community bank, how about a room full of them? ICBM’s CEO Network offers you that opportunity and more.
CEOs that join the network are paired with peers – discussion groups are limited to 20 participants and based on asset size and market to ensure topics are relatable and competition is minimal. To ensure you get the highest value out of each forum, the facilitator will encourage participants to submit topics of interest prior to the event.
Attendees will:
- Discuss current industry challenges.
- Solve your most pressing problems.
- Obtain access to highly respected industry experts.
- Expand your personal and professional growth and form lasting relationships with your peers
10:00 am – Welcome
10:15 am - 11:45 am - Smart Ways to Find Loan Growth, David Ruffin, Principal, IntelliCredit
11:45 am – Complimentary Lunch
12:15 pm – 2:00 pm - Peer to Peer Discussion
Presentation: Smart Ways to Find Loan Growth
David Ruffin, Principal, IntelliCredit
Description: 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 is 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 banks are facing in typical loan opportunity categories and discuss alternative areas where institutions may grow their portfolios in this environment — without inordinate risk. In addition, we’ll outline risk management techniques that should be applied to identify and manage early warnings in new subsets of loan portfolios.
Attendees will walk away from the session with an understanding of:
- Alternative areas to grow loan portfolios in the current environment—without inordinate risk.
- How different mindsets on prospective borrowers should be considered and applied given the current market and trending negative loan growth.
- Strategies to mitigate potentially higher credit risk.
- The why and how behind the re-quantification of risk appetites tied to reserves and capital.
- Techniques to help identify and manage early warnings in new subsets of loan portfolios.
Presenter: David Ruffin, IntelliCredit. David’s extensive experience in the financial industry includes an emphasis on credit risk in a variety of roles that range from bank lender and senior credit officer to co-founder of the successful Credit Risk Management, LLC consultancy and professor at several banking schools. A prolific publisher of credit-focused articles, he is a frequent speaker at trade association forums, where he shares insights gained helping lending institutions evaluate credit risk—in both its transactional form as well as the risk associated with portfolios based on a more emergent macro strategy. Over the course of decades, he has led teams providing thousands of loan reviews and performed hundreds of due diligence engagements focused on M&A and capital raising.
Pricing: Complimentary for Bank Members only