Discover innovative new ways to harness Lending 360’s powerful tools. Created for administrators, this workshop provides unique insight to help you solve problems for your team, create new efficiencies, and improve results.

Monika Perkins // VP of CU Implementations, CU Direct

Curtis Sabbatino // Professional Services Advisor, CU Direct

Bill Lapp // Director of CU Implementations, CU Direct

 Karl Kruppa // Automotive Solutions Consultant, Experian Automotive

Mortgage origination volumes have been challenged in the face of rising rates and intense competition. Hopefully, the recent break in rates will help with refi volumes. Relationship still matters and credit unions do an amazing job of servicing and listening to the member’s needs. This session will show you mortgage products where you can compete with banks / non-banks and win market share. What is non-QM lending and is it safe? We will cover various niche / portfolio products that are being originated and sold in today's market.

John Toohig // Managing Director, Raymond James Mortgage Company

A review of key macro economic indicators and their implications for the automotive market.

Charlie Chesbrough // Senior Economist and Senior Director, Economic Industry Insights, Cox Automotive

Auto lending misrepresentation and fraud is not always discovered and is often hidden in first and early payment defaulted loans. Up to $6 billion in originations may contain misrepresentations that cause the loan to not perform as expected. 

In this session, Frank McKenna will share with you insights from the auto lending fraud consortium on the hidden patterns of fraud and describe advancements in using AI and machine learning to address this growing problem of fraud and misrepresentation.

Frank Mckenna // Chief Fraud Strategist, PointPredictive

Providing your business users with the insights they need to make their own informed decisions promotes a culture of accountability from the bottom-up. The use of data and analytics no longer needs to remain only with the data scientists; rather share it with those who have the power move the needle for the organization. Learn how to create self-tuning operational teams that drive increased performance simply by providing the right level of transparency.

Hailey Middleton // Director of Product of Data Services & Analytics, CU Direct

This session will provide attendees with an overview of key trends, challenges and opportunities in the US automotive marketplace.

• 2018 vehicle sales data; retail vehicle sales, manufacture incentives, vehicle segment shifts and the outlook for 2019
• Used vehicle trends and outlook; vehicle depreciation results, segments review, forecasted lease returns and their impact on the market.
• Auto financing originations and trends; 2018 results and 2019 trends, segment shares, pricing and pricing trends, new/used mix, leasing data, loan to value insights, and an overlay of credit

Michael Buckingham // Senior Director - PIN Auto Finance, JD Power

A discussion about how to prioritize both member satisfaction and profitability while mitigating operational and regulatory risks.

Sean McNaboe // Senior Director, Treliant, LLC

Data and Artificial Intelligence (AI) are becoming increasingly important to credit unions, their members, and the organizations whose purchases are often financed by credit union loans. In this session by Microsoft, you will hear about modern approaches to collecting, securing, and harnessing the data that is vital to AI in particular and digital transformation more broadly.

Michael Acosta // Western Hemisphere Data Sales Lead, Microsoft

Auto sales declined in 2018 for the first time since the Great Recession. Yet, many CUs are seeing spectacular growth in their auto loan portfolio. What is their secret? Proper risk-based pricing, says John Flynn of Open Lending. The problem is that too many CUs do not segment their risk-based pricing models effectively and as a result they are turning away some of their most profitable members and not pricing their loans competitively. Find out how some of the top CUs are generating yields 4-6 times on their net ROA using the strategies John Flynn outlines in this powerful session.

Find out how to:

• Tackle today’s toughest challenges with effective risk-based pricing and book 20%-40% more auto loans without changing your marketing.
• Properly assess and mitigate your CU’s risk.
• Harvest existing revenue opportunities using the same techniques others are using to add $1,000 on every deal.
• Confidently and effectively manage the risks and rewards for maximum returns to your CU – and save your members up to 400-500 bps.
• Streamline the credit-decision process and respond to members with a quote in as little as 7 seconds.

Matt Roe // Senior Vice President, Open Lending,LLC

In this session, the CEO of SavvyMoney will walk you through the evolution of consumer credit scores and credit monitoring over the last 20 years. As one of the pioneers in the space at FreeCreditScore.com / Experian he has seen the industry evolve and grow from a consumer tool, to a very powerful lending and analytics asset for financial institutions. Come see how your institution can benefit from this growing trend.

JB Orecchia // Senior Vice Presidentand and CEO, Savvy Money

Moderator:
Austin Kilgore // Director, Digital Lending,Javelin Strategy & Research

Smart, user-centric design is the “secret sauce” for planning and creating innovative, digital lending experiences where both members AND credit unions win. Learn how to weave the digital realm into your existing high-touch lending process to preserve and extend the seamless member-centric spirit of your credit union. After this talk, you’ll understand the practical tactics and strategies for how to convert even small investments in user-centric design into enormous ROI.

Wendy Nyx // Partner, Creative, Primitive Spark

Sameer Sonalkar // CEO, FiscalHive