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Senior Credit & Lending Officers Exchange 2024

Senior Credit & Lending Officers Exchange 2024

Tuesday, February 27, 2024
8:30 AM - 4:30 PM (PST)

Event Details


This forum is designed by Chief Credit and Lending Officers for Chief Credit and Lending Officers! It will allow you to network & develop personal relationships with your peers, to identify best practices, stay on top of emerging lending issues, and discuss the latest tools and technologies available. Hear from industry leaders, strategists, regulators, and peers during interactive sessions designed to explore shared opportunities and challenges and develop new perspectives on today’s marketplace.


  • Acquire and integrate the latest technology to streamline lending processes and procedures to be more effective and efficient for the bank and your customers.
  • Identify best practices for working with the regulatory agencies, including preparation for successfully completing examinations, and the hot topics they are focusing on.
  • Develop a broader and deeper network of resources to collaborate with, including business partners, technology providers and bankers.
  • Implement new strategies and approaches that utilize the latest thinking and tools available to compete with financial services providers of any size or type.


CCOs, CLOs, Chief Banking Officers, Senior Credit Administrators & Commercial Loan Officers/Relationship Managers, Board Loan Committee Directors


8:30 AM to 4:30 PM, preceded by Breakfast at 7:30 and Lunch at Noon

Topics include:

  • Emerging Issues in the Credit and Lending Environment

  • Adapting to Economic Uncertainty and Staying Competitive

  • How to Build a High-Performance Team

Remote vs. non-remote staff continues to be a topic of discussion and debate. Ramifications and consequences of the actions taken during the Pandemic have left Community Banks struggling to find top-notch talent. How we adjust to the new realities to find this talent will ultimately set the path for each of our individual bank’s future. In this session, we will discuss the following:

    •  The 3 keys to success in building and maintaining a high performing team:  Structure, People, & Technology.
    • Successful proven tips of how to find the “A” players in the community banking arena that we all seek and desire.
    • Determine strategies to manage an all-remote staff most effectively.
    • Explore proven tips on how to retain your key players and maintain steady growth and a safe portfolio.
    • Develop strategies for motivating your staff, both financially and non-financially.
  • Credit Risk Management: Focus on Commercial Real Estate Portfolios:

As we navigate a period of transition in the Commercial Real Estate (CRE) market, marked by a noticeable softening and increased regulatory oversight, adopting a strategic approach is essential. This approach should include a comprehensive exploration of the key facets crucial to managing risks in the CRE sector. In this session, we will discuss:

    • Concentration levels, quality, and performance of CRE portfolios within California's banking sector, providing insights into the current state and trends.
    • The strategies for maintaining a healthy balance between profitability and risk in banking operations, crucial for sustainable growth and stability.
    • Latest emerging issues in the sector and how we should adjust our underwriting criteria.
    • Analysis of the current market capitalization rates, exploring their implications for the banking and real estate sectors and how these rates influence strategic decision-making.
    • We will examine the contrasting growth patterns between small and large banks, exploring why smaller banks might be experiencing increased lending volumes compared to large banks
  • Loan Portfolio Management

We will discuss best practices to implement into your portfolio management strategy, to enhance loan quality, diversify risk, and maintain effective oversight, thus strengthening your bank’s resilience in challenging economic times. Our goal for this segment is for you to take away at least five strategies that would enhance your current portfolio management practices. Topics will include:

    • Audit, Stress Testing, Proper Risk Rating
    • Diversification, reducing concentration risk
    • Quality, managing non-performing loans and preventing losses
  • Technology & Data Management

Since the pandemic we’ve seen an explosion of technology advances, a proliferation in the availability of data, and a major shift in user expectations.  We’ll be talking about how these three trends are impacting the way that financial institutions go to market, how they improve efficiency, and ways they can mitigate risk.  Topics will include:

    • Trends that are impacting lending and the roles that AI, ML, and RPA can play.
    • Ways to leverage Data across the entire credit lifecycle.
    • Reducing friction and limiting fraud in the digital front door
  • Lending and Regulatory Compliance 

OCC and FDIC Examiner Update

    • Bankers are facing many headwinds in the upcoming year.  How are the examiners focusing on the Banks, underwriting standards and credit quality?
      • Are the recession fears behind us?
      • Should we begin to ease our credit underwriting standards in response to being past the peak in interest rate hikes?
      • Are there areas of troubling exposure from new long-term trends in CRE product types.

 TDR’s And the next Loan Modification Trends

    • With the adoption of CECL and the subsequent elimination of the TDR what is the new definition of a modified credit.
      • What are the elements needed to determine if a “reportable modification” has taken place.
      • How do you determine if a loan modification is a “major or minor” modification?
      • The 10% cash flow test and recording requirements.

 Special Assets – Is your Bank Prepared?

    • If the next year brings a recession or “soft landing” that is considered overall mild, there will still be an uptick in classified assets and REO’s.  What are some of the best practices from the past, and are they still relevant?
      • New SFR foreclosure rules and how they affect your credit bid and timeline.
      • If you have charged default interest, is it “collectable” under the Honchariw case
      • Some best practice suggestions for handling Special Assets


  • Michael Henry, EVP, Chief Credit Officer, Mission Valley Bank,
  • David Whorl, EVP, Chief Credit Officer, HCN Bank
  • Dave Weiant, SVP, Chief Lending Officer, Provident Bank
  • Eusebio Cordova, Chief Credit Officer, American Riviera Bank
  • Heidi DeMattos, SVP, Accounts Receivable Lending Manager, Mission Valley Bank
  • David Ruffin, Principal, IntelliCredit
  • Jeff A’ana, SVP, Director of Originations, Investment Real Estate, United Business Bank
  • Kelly Bruns, President & CEO, Premier Audit Solutions
  • Scott Smith, Shareholder, Buchalter
  • Justin Eichman, Head Appraiser, AEI Consultants
  • Mark Messick, Director Product, Lending & Deposits, Jack Henry
  • Jim Ely, President, Small Business Development Corporation of Orange County
  • Jeffery Sellers, Bank Examiner, OCC
  • Michael “Mike” Butler, Supervisory Examiner, FDIC


Avenue of the Arts Costa Mesa

3350 Avenue of the Arts, Costa Mesa, CA

(714) 751-5100

As a Tribute Portfolio Hotel, Avenue of the Arts Costa Mesa Hotel is an eclectic, music-inspired luxury hotel located in the heart of Orange County. We have arranged a special rate of $229 per night at the hotel, with a discounted overnight self-parking fee of $22, which you can get online by going to web link: CCBN Credit & Lending Officers Exchange. For additional assistance, please contact the hotel directly at (714) 751-5100 and ask for the CCBN February 2024 Room Block. Space at these rates is limited so reserve your room now! The cutoff date is Monday, February 5, 2024.

For More Information:

Laurie Eaton
Laurie Eaton
Director of Education and Events California Community Banking Network




6 CPE Credits

Program Level: Intermediate - Advanced
Prerequisites: Participants should have at least three years’ experience in commercial lending or credit administration.
Delivery Method: Group-Live
Field of Study: Business Management & Organization, Specialized Knowledge

Cancellation and Complaint Resolution Policy

Substitutions are allowed, at no additional cost. Written notice is required for all cancellations. The full registration fee will be refunded if the written request is received up to 4 weeks before the event and 50 percent if received 2 weeks before the event. No refunds will be granted within two weeks of the event. For more information regarding refund, complaint, and/or program cancellation policies contact our offices at 800-627-6613.

California Community Banking Network is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website:

REGISTRATION (includes electronic materials)

Regular Registration through Monday, February 5, 2024.
CCBN Member: $595
Non-Member: $795

Late Registration (after February 5, 2024)
CCBN Member: $795
Non-Member: $995

We also have additional group discounts of $100 per person for 3 or more registrants. Please email Laurie Eaton at to assist you.