July 15

1:00 PM - 2:00 PM      Registration - Grande Room

2:00 PM - 2:05 PM      Welcome & Introduction - Grande Room

2:05 PM - 2:35 PM      Credit Trends: California vs. the Nation

This kickoff session will highlight current credit trends and key metrics, comparing California-based institutions to national patterns. Attendees will gain a clear snapshot of the market to frame the day’s discussions.
-David Ruffin, President, Credit Risk Solutions, OptimaFI
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2:35 PM - 3:35 PM      The Next 12 Months: Credit Strategy in an Uncertain Cycle

A forward-looking discussion on how credit leaders are adjusting strategy amid shifting economic signals, liquidity pressures, and evolving borrower behavior. Panelists will share how they’re positioning their institutions for resilience while still supporting growth.
-Moderated by David Ruffin, President, Credit Risk Solutions, OptimaFI
-Angelo DeBernardo, CCO, West Coast Community Bank
-Nathan Kingman, Partner, Unicon Financial Services
-Shawn Lipman, EVP Chief Credit Officer, West Coast Community Bank

3:35 PM - 3:45 PM      Break

3:45 PM - 4:45 PM      Credit, Technology & Efficiency: Doing More with Better Tools
How credit teams are leveraging technology, data, and automation to improve consistency, efficiency, and decision-making—without losing the human element.
-Moderated by Kim Snyder, CEO, KlariVis
-Trish Ferrick, President, FVCbank
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4:45 PM - 6:45 PM      Reception - Hacienda Lawn

July 16

8:00 AM - 9:00 AM      Breakfast - Grande Patio

9:00 AM - 9:05 AM      Welcome Back - Grande Room

9:05 AM - 10:05 AM    Underwriting in Today’s Environment: What’s Changing?
Explore how lenders are identifying, assessing, and responding to sector-specific volatility, and the resulting shifts in structure, covenants, and deal terms to better manage uncertainty in today’s environment.
-Jeff Sellers, Managing Director, Hyperion
-Andrew Meitzen, Deputy CCO, Axos Bank
-Mike Henry, CCO, Mission Valley Bank
-Tammy Brown, CCO, Redwood Capital Bank

10:05 AM - 10:15 AM Break

10:15 AM - 11:15 AM Aligning Credit & Production: Finding the Right Balance
A candid conversation on maintaining strong credit discipline while supporting lending teams. Discussion will focus on communication, governance, and managing internal tensions.
-Moderated by Sandra Wasicek, CEO, ZorroFI
-Kevin Kaiser, CCO, Plumas Bank
-Luke Parnell, CCLO, River Valley Community Bank  
-Leo Moschioni, EVP/CCO, Lexicon Bank

11:15 AM - 12:15 PM Talent, Training & the Future of Credit Leadership
How banks are developing the next generation of credit leaders, addressing talent gaps, and building teams equipped for increasing complexity.
-Moderated by Mike Henry, CCO, Mission Valley Bank
-Frank Abraham, Deputy CCO, Mission Valley Bank
-Jack Dalton, Senior Vice President/CCO, Five Star Bank Click for presentation
-Thomas Constantine, EVP, CCO, Axos Bank

12:15 PM - 1:15 PM    Lunch - Grande Patio

1:15 PM - 2:15 PM      Emerging Risks You Can’t Ignore
An exploration of newer and less traditional risks impacting credit—ranging from fraud trends to borrower behavior shifts and external market disruptions—and how institutions are preparing.
-Moderated by Kelly Deeds, Premier Audit Solutions
-Andra Frazier, SVP/CCO, Partners Bank of California
-Quinn Velasquez, CCO, Golden Valley Bank

View event attendee list