2017 Wyoming Bankers Association Credit Conference€¦ · ... -Casper, WY USDA Western Regional Coordinator, Rural DevelopmentRobert Fry, ... Golf Handicap/Average 18-Hole Score

Wyoming Bankers Association

Presents

2017 Wyoming Bankers

Association Credit

Conference

September 28-29, 2017

(Thursday-Friday)

University of Wyoming Conference Center 2229 Grand Avenue (in back of the Hilton Garden Inn)

Laramie, Wyoming

Golf Tournament Wednesday, September 27, 2017 - Jacoby Golf Course

3501 E. Willett Drive - 12:30 p.m. start. See Registration Form.

Thursday, September 28, 2017

7:30 a.m. Registration & Continental Breakfast – UWCC Salon DE

8:00 a.m. Welcome Remarks

WBA Credit Committee Chairman: Paul Irish, First Interstate Bank, Laramie WBA President, John Coyne, President, Big Horn Federal Saving Bank, Greybull

8:10 - 11:30 a.m. “Repaying Loans: The Role of Cashflow, Personal Guarantees & Collateral” Before approving any business loan request, a lender should be convinced of the business applicant’s ability (through cashflow) to service debt. If a business is not successful in generating enough cashflow to do this, however, a lender may need to rely on either personal guarantees or the security pledged as collateral in order to be repaid. This program will explore these three means of getting repaid and identify the challenges that lenders face in each scenario. Sample Topics:

• Cashflow: What it is and how to measure it • Sources of Hidden Cashflow • Collateral Coverage • How to quantify the worth of Collateral • Personal Financial Statements: What They Tell Us (and don’t tell us) about a borrower • Personal Guarantees: When they are useful and how to leverage them

Vincent DiCara, Owner DiCara Training and Consulting, LLC-Brunswick, ME

10:00 -10:30 a.m. Refreshment Break in Exhibit

11:30 -12:00 noon “USDA loan guarantees for business, communities and energy efficiency”

The Wyoming Business Program Director, Scott Sutherland, and a representative from Washington DC, Rob Frye, will discuss revised regulations and areas of emphasis for Wyoming. Other topics will include the secondary market, guarantee prior to construction, USDA policies on honoring our guaran- tees and flexibility in working with other Federal/State programs.

Scott Sutherland, USDA Business Programs Director Rural Development-Casper, WY

Robert Fry, USDA Western Regional Coordinator, Rural Development-Washington, DC

12:00 noon Lunch with time to visit the Exhibitors – Garden Ballroom Co-Sponsored by: Federal Home Loan Bank of Des Moines, & Graduate School of at CO, Boulder CO

Luncheon Speaker: Craig Bohl, Head Football Coach (Invited) University of Wyoming-Laramie, WY

1:30 - 3:30 p.m. “Top Ten Mistakes in Dealing with Appraisals” This program will help bankers deal with appraisal compliance issues, plus reviewing and interpreting commercial real estate (CRE) appraisals. Lenders and credit analysts that work with CRE loans will also benefit. The speaker has been involved with CRE appraisals throughout his 22-year banking career, plus actively training bankers on CRE appraisals since 2006. The top ten mistakes include:

• Not understanding that the purpose of an appraisal review is not to make regulators happy – there is a clear need, based on sound lending • Not utilizing the regulatory “invitation” to have different levels of review, or a “risk-focused” process • Not making the selection and engagement of the appraiser a bid process • Not developing an appraisal database as an automatic outcome of most reviews, including residential • Letting the residential mindset cloud your evaluation of commercial comparable sales • Not having a procedure or policy for handling appraisal mistakes or unsatisfactory appraisals

Richard A. Hamm, Owner/President Advantage Consulting & Training-Huntsville, AL

Thursday, September 28, 2017 Continued

2:30 - 2:45 p.m. Refreshment Break in Exhibit – UWCC Salon DE

4:00 - 5:30 p.m. Tours: Wildcatter(tentative) & HiViz (Transportation on own-HiViz located aprox. 4 miles from hotel) Named after the many successful Wildcatters of Wyoming (a wildcatter is a person who drills oil or gas wells in are

as that are not known in advance to be oil or gas fields), the Wildcatter Stadium Club and Suite addition is one of the

finest football stadium club and suite facilities in all of the Mountain West.

HIVIZ Shooting Systems began in 1996 and manufactures light-gathering sights, recoil pads and accessories for the

shooting industry. They design, engineer, and manufacture a broad line of vibrant fiber optic and tritium sights.

HiViz was the first such company to make good on its threat to move operations from Colorado, which had tightened

gun regulation. Space is limited-pre-registration required.

5:30 - 6:30 p.m. RECEPTION – Hilton Garden Ballroom Reception Co-Sponsored by: Central States Of Omaha

Dinner on your own

Friday, September 29, 2017

7:00 - 8:00 a.m. Breakfast Buffet Sponsored by: Bankers' Bank of the West, Denver CO–Garden Ballroom

8:00 - 8:45 a.m. “An Economic Outlook for Wyoming: Energy and Revenue Implications” Summary of economic outlook in Wyoming with emphasis on the energy downturn and potential consequences for the state budget. – UWCC Salon DE Robert Godby, Associate Professor University of Wyoming-Laramie, WY

8:45 - 9:30 a.m. “A Future Perspective on the University of Wyoming” A brief reflection on President Nichol’s first year at UW; the 5-year strategic plan that will be released around August 1. The plan lays out strategic priorities and goals for the university from 2017-2022 and how some of this ties to the economic future of Wyoming.

Laurie Nichols President University of Wyoming-Laramie, WY

9:30 - 10:00 a.m. Refreshment Break in Exhibit Area

10:00 - 12:00 noon “Using Technology to Mitigate Payments Risk and Fraud”

Payments risk is inherent in every aspect of banking and related losses continue to rise. Banks must explore additional products and services in order to stay competitive and gain new customers, yet these activities can present an opportunity for fraud. As usual, fraudsters have new tactics that banks need to consider to protect their brand, bottom-line, and customers. Rayleen will discuss tech- nology and services that exist to help combat today’s most common risks. This session explores:

Realities of our world today

Real-time fraud detection

Why passwords and challenge questions don’t work

Filters and blocks

Setting appropriate exposure limits

Authenticating new online customer identities

BONUS: Things you can do at home to protect yourself

Rayleen M. Pirnie, AAP, CEO

RP Payments Risk Consulting Services, LLC.-Orrick, MO

12:00 noon Adjourn

Chairman:

Vice Chairman:

2017 Conference sponsors:

GOLD SPONSORS:

-Bankers’ Bank of the West - Denver

-Graduate School of Banking at Colorado - Boulder

SILVER SPONSORS:

-Federal Home Loan Bank of Des Moines

-Fortner, Bayens, Levkulich, & Garrison, P.C.-Denver

2017 Conference Exhibitors:

-EDR, Inc., Shelton CT 6 Armstrong Road Matt Ciammella, [email protected] 800/352-0050 Shelton, CT 06484

-Graduate School of Banking at Colorado, Boulder CO 3215 Marine Street, Josie Bunch, [email protected] 800/272-5138

W198, UCB 411

Boulder, CO 80309

-U.S. Small Business Administration, Casper WY 150 East B Street, Room 1011 Susan Rezanina, [email protected] 307/261-6512

Casper, WY 82601 Steve Immel, [email protected]

-WIDC-Frontier CDC, Casper WY 232 E. 2nd Street, Suite 300 Mary Doherty, [email protected] 307/234-5351

Casper, WY 82601 Sandra Materi, [email protected]

-Wolters Kluwer Financial Services, St. Cloud MN 888/572-8522 6815 Saukview Dr. Randy Wattermann, [email protected]

St. Cloud, MN 56303 Jim Mallett, [email protected]

-Wyoming Business Council, Cheyenne WY 214 West 15th Street Josh Keefe, [email protected] 307/777-2882

Cheyenne, WY 82002

-Wyoming SBDC Network, Powell WY 143 S. Bent Street, Suite A Bruce Morse, [email protected] 307/754-2139

Powell, WY 82435 James “Jim” Drever, [email protected]

-Wyoming Smart Capital Network, Casper WY 2435 King Blvd., Suite #134 307/315-8832

Casper, WY 82604 Kendall Hutchinson, [email protected]

BANK SPONSORS:

-ANB Bank - Laramie

-First Interstate Bank - Laramie

-Security First Bank - Laramie

-Western States Bank - Laramie

-Manufacturing-

Wyoming Bankers Association

2017 CREDIT CONFERENCE

Bank/Company:

Mailing Address:

City: State: Zip:

Phone: Fax:

Full Registrant Name($235/260): Email:

1. Additional Registrant Name($220): Email:

2. Additional Registrant Name($220): Email:

Tours—Thursday, September 28th (Tour Signup Deadline is 9/6/17):

Going on TOURS: Full: YES NO Additional #1: YES NO Additional #2: YES NO

Spouse/Guest Going on TOURS: Name(s):

Golf—Wednesday, September 27th-Jacoby @ 12:30 pm (Golf Reg. Deadline is 9/6/17):

Golf Handicap/Average 18-Hole Score & Name(s):

Spouse/Guest Golf Handicap/Score (If golfing): Name(s):

INDICATE TYPE OF REGISTRATION-PER PERSON:

WBA Member Full Registration before 8/7 $235 ea. $

WBA Member Full Registration after 8/7 $260 ea. $

WBA Member Additional(s) Regis. (same location as full reg.) $220 ea. #_____ $

Non-Member Full Registration $495/520 ea. $

Payment must be received prior to 8/7 to be eligible for the “early bird” discount. OPTIONAL REGISTRATIONS-PER PERSON:

Spouse/Guest Reception Ticket (Thursday) $ 35 ea. $

Name(s): Golf Tournament Pair with spouse/guest _______ $ 68 ea. #_____ $

Pairing(s):TOTAL: $ ____________

Holiday Inn, Laramie — 307/771-9000 204 30th Street

Rates: Double Queens/King $129.00 + tax

Be sure to ask for the Wyoming Bankers Association Room Block Rate — Block expires 9/13/17

PLEASE RETURN REGISTRATION FORMS PRIOR TO SEPTEMBER 13 TO:

Wyoming Bankers Association • P.O. Box 2190 • Cheyenne, WY 82003• Fax: (307) 638-5013

Questions? Please contact the WBA at (307) 638-5008 or [email protected]

Online registration: go to www.wyomingbankers.com (you must sign in to your profile to register online)

CONFERENCE & GOLF REGISTRATION DEADLINE IS SEPTEMBER 13, 2017. $50

CANCELLATION FEE~~NO REFUNDS AFTER SEPTEMBER 13th~~SUBSTITUTIONS ARE

ENCOURAGED.

PARTICIPANT INFORMATION: (Please type or print)

REGISTRATION FEE SUMMARY: (Confirmation of your registration will be sent)

REGISTRATION FORM

September 28-29, 2017 UW Conference Center (2229 Grand Ave.) Laramie, Wyoming

ACCOMMODATIONS: