Moody's Analytics
Commercial & Ag Lending Conference

Innovate – Integrate – Accelerate

September 24-26, 2018
Omaha, Nebraska
The Moody’s Analytics 2018 Commercial & Ag Lending Conference (CALC) will highlight trends in today’s banking and credit environments and clarify how technological advancements will help your institution evolve within our continually changing world. This annual event also provides you the opportunity to connect, and brainstorm with peers and industry experts while offering access to exclusive content regarding new features and tools offered by Moody’s Analytics.
THE EVENT

Benefits

Connect with your peers to discuss solutions to difficult challenges
Learn from industry leading economic and regulatory experts
Establish best practices in today's financial environment
Experience hands-on technology demos and build your skills
Gain insight into big-picture strategies and emerging trends

CONFERENCE
WHY ATTEND?

Our 23rd annual conference will showcase current trends and address the future direction of the industry with input from expert analyst, strategy, and research teams, allowing you to better prepare for tomorrow. For C-level executives, the conference will feature a dedicated content focused on big-picture strategies and emerging trends in all areas of Commercial & Industrial, Commercial Real Estate, and Agricultural credit. 

WHO SHOULD ATTEND?
  • Bank Presidents
  • Chief Executive Officers
  • Chief Financial Officers
  • Chief Risk Officers
  • Loan Officers
  • Underwriters
  • Credit Administrators
TRAINING
WHY ATTEND?

In addition to our conference, attendees will have an opportunity to participate in hands-on training conducted by Moody's Analytics solutions experts. This is a unique opportunity to deepen your product knowledge and expand best practices for increased efficiency. Our robust training options will feature basic and advanced courses, and case studies focused on: Commercial and Ag Lending, Small Business Solutions, and additional Lending Cloud modules.

WHO SHOULD ATTEND?
  • System Administrators
  • Credit Analysts
  • Loan Officers
NETWORKING

Enjoy 18 holes of golf on one of Nebraska's finest golf courses, a distillery tour, or a glass of wine, good food and a spectacular evening with marine life at one of the best zoos in the US...whatever the setting, you will have ample opportunity to interact with peers, share challenges, and forge new relationships.

DEMO STATIONS

This feature a unique opportunity to learn from Moody's Analytics solutions experts on key technology advancements. Gain insight into new features and tools for greater efficiencies in your credit process. 

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Agenda

Conference Schedule

Day 1

Monday 24 September 2018
9:30 am to 3:00 pm

Quarry Oaks Golf Course - Ashland, NE

Golf 18 holes at the premier golf destination of choice in eastern Nebraska with scenic views at every turn.

12:30 pm to 3:00 pm

Brickway Brewery & Distillery - Omaha, NE

Join us for a fun afternoon learning about the distilling process while sampling a flight of Brickways' spirits.

6:00 pm to 6:30 pm

First-Time Attendee Welcome Reception: Henry Doorly Zoo - Omaha, NE

This reception is for first time attendees only. Moody's Analytics would like to welcome you to CALC, and introduce you to our leadership team. 

6:30 pm to 10:00 pm

 Kick-Off Reception: Henry Doorly Zoo - Omaha, NE

Come observe the magical world of underwater life, from Antarctic penguins to colorful warm water fish, as you walk on the bottom of the ocean.

Day 2

Tuesday 25 September 2018
7:00 am to 7:50 AM

Registration & Breakfast

8:00 am to 8:15 am

Conference Introduction

Max O'Neil, Moody's Analytics

8:15 am to 8:45 am

Welcome Address & Company Update

Elaine Wong, Moody's Analytics

8:45 am to 9:30 am

Economic Update

Cris deRitis, Moody's Analytics

9:30 am to 10:00 am

Break & Demos

The following demos will be featured during all breaks: Business Insights, Expected Loss (RiskCalc & CMM), MARQ (small business),
Tax Return Import, Ag Scorecard, Lender App, and ImpairmentStudio.

breakout sessions
Technology Trends
Managing the Implementation of CECL
Principles & Strategies of Credit Risk Mgmnt.
New Frontiers in Quantitative Analytics
10:00 am to 10:45 am
Beyond the Buzz Words: Getting Started with Open Banking & Blockchain Distributed Ledger
More information coming soon.
Forward-Looking Scenarios for CECL: What's Reasonable & Supportable
Under CECL, estimated credit losses will need to consider historical experience and current conditions, as well as reasonable and supportable forecasts. Join Moody's Analytics experts as they discuss our macroeconomic and regional forecasting capabilities. This session will explore the essential properties of a useful economic forecast and consider the options when it comes to considering multiple future economic outcomes for loss forecasting. Particular attention will be paid to the options available to community banks and credit unions for incorporating forward looking economic information in both highly quantitative and more qualitative approaches.

Speaker:
Cris deRitis, Moody's Analytics
Dr. Kohl's Views on the Latest Ag Trends and Borrower Behaviors
Join Dr. David Kohl and Doug Johnson as they discuss the outlook of Ag Lending, and some of the key behaviors and patterns to watch for in your producers. You will also hear about some of the latest metrics Ag Lenders should consider using to help identify risk early, and tools to create a "value add" for your organization.

Speaker:
Dr. David Kohl
Top 10 Reasons for a Consistent Scoring Model and How Machine Learning and Big Data Gives You an Advantage
A data driven approach allows for consistent ratings across the portfolio. Consistent ratings can be used to identify emerging risks in a portfolio, estimation of future losses and appropriate reserves. Finally, one can stress test the portfolio.

Speaker:
Doug Dwyer, Moody's Analytics
10:45 am to 11:15 am

Break & Demos

The following demos will be featured during all breaks: Business Insights, Expected Loss (RiskCalc & CMM), MARQ (small business),
Tax Return Import, Ag Scorecard, Lender App, and ImpairmentStudio.

breakout sessions
New Trends in Technology
Managing the Implementation of CECL
Principles & Strategies of Credit Risk Mgmnt.
New Frontiers in Quantitative Analytics
11:15 am to 12:00 Pm
Leveraging Data and Automation for Improved Anti-Money Laundering Compliance
This session will include:
  • How financial institutions are automating the Know Your Customer/On-boarding process to reduce cost and increase Anti-Money Laundering & Sanctions compliance levels
  • Insight into where data and technology intersect in identifying global beneficial owners and why business certificates/annual reports can wrongly identify beneficial owners
  • The role of structured external information and Artificial Intelligence/Machine Learning to push the boundaries for automation
  • Change Management: Find out how traditional time-based periodic reviews can create unknown regulatory risks and solutions to the problem
Speaker:
Anders Rodenberg, Moody's Analytics
Top Down Approaches - What to do When you Don't Have Data
Under CECL, estimated credit losses will need to consider historical experience and current conditions, as well as reasonable and supportable forecasts. What happens when institutions lack historical data based on the fact that they either lack default data, are entering new markets, or have acquired new portfolios which lack history?
How does one adapt to these circumstances to provide a reasonable and supportable forecast that will meet the "professional skepticism" audit test that CECL auditors will impose? In this discussion track – we will explore practical expedients to help remedy the situation.

Speaker:
Laurent Birade, Moody's Analytics
Self-Driving Vehicles: The Potential Impact Autonomous Vehicles will Have on Commercial Real Estate
As self-driving vehicles merge their way into everyday life, commercial real estate will be impacted in different ways. In this session, consideration will be given to a variety of possibilities. We'll look at the impact to:
  • Office: Commute times, access to parking lots and garages
  • Industrial: Shipping industry impact, delivery scheduling
  • Retail: Distribution channels, hauling larger purchases, valet service
  • Parking Garages: Stall design and stall count, repurposing excess
Speaker:
Jamie Heidemann, First Vice President CBRE
Gain a Competitive Advantage - Turn Business Intelligence into Business Actions
In this session we will share techniques in assessing public and private firms, and the differentiators for a sound credit risk assessment process. We will highlight the varying drivers that support identifying early warning risk trends and optimized portfolio management in a changing business environment. We will also share best practices developed by Moody’s Analytics industry experts such as: how to integrate a credit risk framework within key stakeholder departments, minimize credit risk during stressed economic conditions, and prepare for regulatory driven mandates such as CECL that may impact your day-to-day business operations.

Speakers:
Irina Baron, Moody's Analytics;
Todd Classen, Moody's Analytics
12:00 pm to 1:00 pm

Lunch

breakout sessions
New Trends in Technology
Managing the Implementation of CECL
Principles & Strategies of Credit Risk Mgmnt.
New Frontiers in Quantitative Analytics
1:00 pm to 1:45 Pm
Going Beyond Predicting Behavior to Influencing Behavior
More information coming soon.
Auditor & Regulator Expectations
More information coming soon.
Expanding the Use of Risk Ratings and Scorecards:  Moving from Subjective to Objective Scoring
Where are we in the credit cycle and does the cycle still exist? How can we measure credit risk more effectively, price for it, increase visibility to it and mitigate it more effectively? Learn how to address these challenges efficiently with the principles of “Enhanced Credit Risk Management” based in Expected Loss. Key aspects and take-a-ways will be how to:
  • Use Dual Credit Risk Rating ScoreCards grounded in Expected Loss.
  • Leverage Expect Loss to align Allowance for Credit Losses.
  • Conduct meaningful Credit Risk Stress Testing.
  • Produce Portfolio Analytics that provide visibility one year ahead.
Speaker:
John Drew, OnPoint Risk Advisors
Going Beyond Traditional Ag Analysis by Leveraging Your Ag Data
Join Mike Hinton from Midwest Cloud Computing, Janet Zhao and Doug Johnson as they discuss powerful tools for data analytics within your Ag portfolio, and new developments coming in Lending Cloud that will help create a “Value Added” service for your Ag producers.

Speakers:
Doug Johnson, Moody's Analytics;
Janet Zhao, Moody's Analytics;
Mike Hinton, Midwest Cloud Computing
1:45 pm to 2:15 pm

Break & Demos

The following demos will be featured during all breaks: Business Insights, Expected Loss (RiskCalc & CMM), MARQ (small business),
Tax Return Import, Ag Scorecard, Lender App, and ImpairmentStudio.

breakout sessions
New Trends in Technology
Managing the Implementation of CECL
*Repeat of AM Session
Principles & Strategies of Credit Risk Mgmnt.
New Frontiers in Quantitative Analytics
2:15 pm to 3:00 Pm
Beyond the Board Room to the Branch:  Getting Real Results From Your Technology
More information coming soon.
Forward-Looking Scenarios for CECL:  What's Reasonable & Supportable
Under CECL, estimated expected credit losses will need to consider historical experience and current conditions, as well as reasonable and supportable forecasts. In this session, join Moody’s Analytics experts as they discuss our macroeconomic and regional forecasting capabilities.  We’ll explore the essential properties of a useful economic forecast and consider the options when it comes to considering multiple future economic outcome for loss forecasting.  Particular attention will be paid to the options available to community banks and credit unions for incorporating forward looking economic information in both highly quantitative and more qualitative approaches.

Speaker:
Cris deRitis, Moody's Analytics
Ag Regulators Viewpoint on Challenges to Avoid and Opportunities to Seize
In this session, we’ll share the best and worst practices Ag regulators have observed in the field.  We’ll also discuss what banks can do differently in this prolonged ag cycle, and what they see on the horizon. This panel has over 30 years’ Regulatory experience in Agriculture.  Nick & Steve will share some of the best and worst practices they’ve seen in the field.  They will also share what you can do differently in this prolonged Ag Cycle.  This session is guaranteed to have information that is relevant to your situation.

Speakers:
Steve Gaddie, Asst. Dir FDIC;
Nicholas Hatz, Asst. VP Federal Reserve Bank of KC
The Next Generation of Scoring Analytics
More information coming soon.
3:00 pm to 3:30 pm

Break & Demos

The following demos will be featured during all breaks: Business Insights, Expected Loss (RiskCalc & CMM), MARQ (small business),
Tax Return Import, Ag Scorecard, Lender App, and ImpairmentStudio.

3:30 pm to 4:30 pm

Guest Speaker

More information coming soon.

4:30 pm to 4:45 pm

Closing Comments

4:45 pm to 6:00 pm

Closing Reception

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Training Schedule

Day 3

Wednesday 26 September 2018
AM sessions
Commercial Case Study
Advanced Agriculture
Lender Application, MARQ Portal and Business Insights in Lending Cloud
Lending Cloud Basics for New Users
8:30 am to 12:00 pm
Setup:
Participants will be given access to a Lending Cloud site and customer record with spreads, to complete a series of hands-on exercises analysis.
Exercises/Analysis:
  • Debt Schedule
  • Collateral Analysis
  • Consolidations
  • Personal & Commercial Financial Data on the Same Spread Without Performing Consolidations
  • Projections
  • Merging Income Statements
  • Rent Roll
  • Custom Calculations
Requirements:
Laptop with access to an Internet Explorer 11 browser.
Recommended For:
Users with more than 6 months of experience in Lending Cloud.
Agenda:

Balance Sheet and Income/Expense
  • Spreading overview
  • Peer comparison
Loan Menu

Collateral Analysis

Consolidation

Credit Action

Reports
  • Reports setup
  • Print Manager
Statements
  • Enterprise Analysis
  • Earned Equity
  • Accrual Adjustments
  • Repayment Capacity
  • Owner Equity and Cash Flow
  • Custom Debt Service Coverage Ratios
Ag Score Card
Agenda:

Lender Application - mobile enabled application form with integrated
business rules and logic to efficiently gather and submit customer information
to initiate the origination process.

MARQ (Moody's Analytics Risk Quality) Portal
  • A service that provides a website for financial institutions, labeled with their brand, to streamline small business lending.
  • Automated, electronic, and instantaneous collection of financial data from a business’s accounting system.
  • Integration with Lending Cloud for automated spreading.
Business Insights - retrieves core data and translates it into predefined dashboard visualizations for loan portfolio analysis and insight into your lending operations.
Agenda:

This session will provide details on Lending Cloud features and functionality, including:
  • eHelp
  • Navigating Lending Cloud
  • Creating a Customer Record
  • Related Entities
  • Balance Sheet Spreading
  • Income/Expense Spreading
  • Tax Forms/Tax Return Import
  • Projections
  • Loan Menu
  • Collateral Analysis
  • Consolidations
  • Credit Action
  • Reports
Recommended For:
New users of Lending Cloud. 
12:00 pm to 1:00 pm

Lunch

pM sessions
Commercial Case Study
*Repeat of AM Session
Advanced Agriculture
*Repeat of AM Session
ALLL Cloud, API Repository, Data Manager, Ticklers, and Workflow in Lending Cloud
System Admin Overview
1:00 am to 4:30 pm
Setup:
Participants will be given access to a Lending Cloud site and customer record with spreads, to complete a series of hands-on exercises analysis.
Exercises/Analysis:
  • Debt Schedule
  • Collateral Analysis
  • Consolidations
  • Personal & Commercial Financial Data on the Same Spread Without Performing Consolidations
  • Projections
  • Merging Income Statements
  • Rent Roll
  • Custom Calculations
Requirements:
Laptop with access to an Internet Explorer 11 browser.
Recommended For:
Users with more than 6 months of experience in Lending Cloud.
Agenda:

Balance Sheet and Income/Expense
  • Spreading overview
  • Peer comparison
Loan Menu

Collateral Analysis

Consolidation

Credit Action

Reports
  • Reports setup
  • Print Manager
Statements
  • Enterprise Analysis
  • Earned Equity
  • Accrual Adjustments
  • Repayment Capacity
  • Owner Equity and Cash Flow
  • Custom Debt Service Coverage Ratios
Ag Score Card
Agenda:

ALLL Cloud (Allowance for Loan and Lease Losses) - setup, functionality, Precis Reports, Migration and Vintage Analysis, and Lifetime ECL.

API Repository - database connectivity to your core banking system enabling synchronization of the general, loan, and deposit information for customers in the Lending Cloud application.
Data Manager - extracting information from your Lending Cloud system.

Ticklers

Workflow
Agenda:

In this session you'll learn how to create new users, configure Balance Sheets and Income/Expense settings, customize your loan menu and reporting format, and create/modify a Credit Presentation default.

System Admin Defaults
  • Creating new users and locations
Balance Sheet and Income/Expense
  • Chart of Accounts
  • Drop List Creation
  • Report Titles
Customizing Settings
  • System Settings
  • DSCR (Debt Service Coverage Ratio)
Form Creation
  • Overview of process for creating and/or modifying Credit Presentation Forms.
Recommended For:
New Lending Cloud System Administrators.
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The Schedule

Day 1 

Monday, September 24, 2018
12:30 PM TO 4:00 PM

Commercial Real Estate Analytics Roundtable

Interactive discussion with industry experts and peers with CRE portfolios addressing the following hot topics:

- CRE Market Review & Risks Ahead – Landscape & Trends
- Changes in CRE Lending – Regulatory and Strategic Business Decisions
- Moody’s Analytics CRE Data Update and Portfolio Benchmarking Trends
- CRE Modelling Updates – Research- CRE Innovations & Roadmap Update – Product Management

3:00 PM TO 4:30 PM

Charity 5K Walk/Run

4:00 PM TO 7:00 PM

Registration

6:30 PM TO 9:00 PM

Welcome Reception & Dinner

Day 2

Monday, September 24, 2018
7:00 AM TO 8:15 AM

Open Breakfast

8:15 AM TO 8:30 AM

Welcome

Buck Rumely, Moody's Analytics

8:30 AM TO 9:15 AM

Opening Address: The Notion of Innovation

Keith Berry, Moody's Analytics
Steve Tulenko, Moody's Analytics
Andrew Cowley, Bureau van Dijk

9.15 AM TO 9:45 AM

Break

STREAMS
Applying New Trends in Technology
Managing the Implementation of CECL/IFRS9
Principles and Practices of Credit Risk Management
New Frontiers in Quantitative Analytics & Data Science
9.45 AM TO 10:30 AM
Opening: Technology Driven Innovation in Financial Services and Credit Risk Management
Speaker:
Keith Berry, Moody's Analytics

Cloud: Getting on Board
Banks are starting the deployment of Cloud environments. We will discuss the opportunities and challenges of a Cloud First strategy.

Speakers:
John McBride, Bank Iowa
John Kain, Amazon Web Services
CECL Readiness Assessment: What We Know So Far
Our experts will focus on preparations for the implementation of CECL taking place across the industry. They will summarize key findings from assessments that have already been conducted and explain why those results differ significantly based on financial institutions’ size and complexity.

Speakers:
Michael Gullette, American Banker Association
Future of Model Development and Convergence
This session will address the fact that banks have had to develop various types of credit models, each with separate business/regulatory requirements but with some overlapping risk factors.  In many cases these fit-for-purpose models were developed with short timelines and without the luxury of a more deliberate and standardized development process.  Where do we go from here? Join our panel to hear their thoughts on rationalizing  the current inventory of models and planning for future modeling requirements.

Speakers:
Rongsheng Gong, State Street
Kiran Yalavarthy, Wells Fargo
Robert Kula, Keybank
Regulatory Trends and New Accounting Rules: Quantitative Tools to Navigate an Evolving Loan Market
Join our experts as they present a new modeling framework that assesses the impact of IFRS 9 and CECL on loss allowance, earnings, and capital surplus, and which compares profitability and earnings risk across incurred loss and IFRS 9/CECL and various portfolio strategies. Learn how our strategic metrics align with regulatory capital requirements, economic risks, and loss accounting to help optimize portfolio performance and manage credit  risk in earnings.

Speakers:
Amnon Levy, Moody’s Analytics
10.30 AM TO 11:00 AM

Break

11:00 AM TO 11:45 PM
Putting AI  to Work in Underwriting and Credit Risk Management
The discussion will focus on how banks and financial services industry participants can leverage Artificial Intelligence (AI) technologies (deep learning, OCR, NLP) to improve traditional commercial credit processes, including AI driven automation of financial statements spreading.

Speakers:
Cristina Pieretti, Moody's Analytics
Vahe Adonians, SCDM
CECL
Quantification Methodologies: Finding the Right Approach
Join our panelists as they provide an overview of common ECL quantification methodologies for different loan portfolios. In particular, they will run through pros and cons associated with each different methodological approach.

Speakers:
Ivo Antonov, Silicon Valley Bank
Emil Lopez, Moody's Analytics
Expanding the Use of Risk Ratings and Scorecards
The panel will share their views on the design and implementation of borrower and
 facility risk ratings, including the challenges presented by limited data, implicit/explicit support and defending the use of qualitative information.  The scope of the discussion will also touch on managing overrides, confirming the accuracy of the models and gaining
acceptance by various internal and external stakeholders.

Speakers:
Ken Carson, Umpqua Bank
Rami Elghanayan, Capital One
Brady Fife, American Express
Risk Modeling Philosophy in the Era of Machine Learning and Big Data
Issues that are still matter include:
- Model specification and data relevance
- Association versus causation
- Sample selection bias

Speakers:
Douglas Dwyer, Moody’s Analytics
Steffen Sorensen, Moody's Investors Service
11:45 aM TO 12:45 PM

Lunch/Lunch and Learn Roundtables

12:45 pM TO 1:30 pM
Super Modeling: Runway into the Future
At Moody’s Analytics, our latest modeling platform innovations are anticipating how future organizational and regulatory demands will drive changes in risk management. Join our experts as they discuss our vision for the modeling lifecycle and highlight how our client relationships are evolving as a result.

Speakers:  
Jacob Grotta, Moody's Analytics
Mikael Nyberg, Moody's Analytics
ECL Scenarios: A Critical Glimpse into the Future
Under CECL and IFRS 9, forecasting expected credit losses will be paramount. Join Moody’s Analytics experts as they discuss our macro and regional forecasting.  Learn how our full suite of scenario capabilities for CECL, IFRS 9, BAU and stress testing can help your firm meet this essential requirement.

Speakers:
Cris deRitis, Moody's Analytics
Tim Daly, Moody's Analytics
Or
Moody’s Analytics Structured Finance Portal Regulatory Module: One Solution for Structured Securities
The Moody’s Analytics Regulatory Module can help your institution meet its IFRS 9 and CECL requirements. Our experts will highlight the value of using this integrated, end-to-end stress testing solution for structured securities, and explain how the Regulatory Module enables the application of one common set of models to multiple regulatory and accounting workflows.

Speakers:
Vivek Thadani, Moody's Analytics
Stephen Clarke, Moody's Analytics
CreditLens™: Bringing Focus to Your Lending Vision
The Moody’s Analytics CreditLens™ platform is our firm’s next generation of Credit Assessment and Origination solution. Join Moody’s Analytics experts as they showcase how this new platform delivers business value by supporting informed lending decisions.

Speakers:
Annie Choi, Moody's Analytics
Buck Rumely, Moody’s Analytics

Navigating the Challenges of Volatile Provisions
IFRS 9 and CECL are likely to make banks’ provision expenses more volatile – but Moody’s Analytics has tools to help. Join our experts as they explain how you can use credit portfolio management together with the Moody’s Analytics solutions to successfully manage the expected volatility.

Speakers:
Nihil Patel, Moody's Analytics
Anna Labowicz, Moody’s Analytics
1:30 pM TO 2:00 pM

Break

2:00 pM TO 2:45 pM
CRE Innovations: Bringing Transparency to an Opaque Asset Class
During this session we'll look at how Moody's Analytics
 is developing new analytics and partnering with Fintech firms to bring greater transparency to Commercial Real Estate data and analytics.

Speakers:
Michael Mandel, CompStak
Mikael Nyberg, Moody’s Analytics
Harmonizing Stress Testing and CECL Processes
Our panel of industry practitioners will discuss why established stress testing processes are natural starting points for scenario-conditioned ACL. Then, they will focus on some of the adjustments that are necessary to leverage these models.

Speakers:
Jim Dunne, TCF Bank
Mike Fadil, Citizens Bank
John Zeszutek, Bank of America
Unleashing Predictive Power for Enhanced Pre-Qualification
Incorporating prequalification measures in your business practices can lead to new efficiencies and other significant benefits. Join our experts as they discuss the impact to overall risk measurement analysis, specifically addressing:
- Data quality when provided company-prepared or limited financial information
- How best to leverage accounting data and forward-looking risk forecasting during the pre-qualification process
- The ability to automate existing pre-screening and scoring practices while potentially enhancing predictive outcomes

Speakers:
Tom Traub, Bank of America
Dylan Adams, Flagstar
Doug Dwyer, Moody's Analytics
Previewing Next Generation PD Models of Private Firms
Our next generation PD modeling framework will enable you to:
 - Customize model
 components such as financial ratio selection or calibration
 - Apply model
 components such as term structure to your internal PD
 - Combine financial
 information with alternative data sources like trade payment behavior
 - Evaluate firms
 with limited financial inputs
 - Incorporate
 machine learning methods
  
 Speakers:
 Uliana Makarov, Moody's Analytics
Janet Zhao,
Moody’s Analytics
2:45 pM TO 3:15 pM

Break

3:15 pM TO 4:00 pm
Is Online Lending the New Norm?
Join our experts as they provide an overview of the evolving lending industry. Some of the topics we will explore include: 
- New trends in financing
- How to compete in an ever more competitive environment
- New products and technology

Speakers:
Danielle Kulifay, U.S. Bank
Dave McArdle, Finagraph
Michael Schwartz, Moody's Analytics
IFRS
9 Implementation: Lessons Learned
While IFRS 9 arrived two years ahead of CECL, they share important similarities. Join industry practitioners as they recount their experiences from implementing IFRS 9, share some of the key lessons they learned, and discuss possible future enhancements.

Speakers:
Burcu Guner, Moody's Analytics
Jimmy Yang, Bank of Montreal

The Expanding Scope of Balance Sheet Management
During this session practitioners will share perspectives on the 
linkage between Financial Planning, Treasury, Accounting and Risk Management. They will share strategies and best practices that support the
important of  alignment including consistency across ALM, Risk Rating and Allowance Metrics.

Speakers:
Michael Fadil, Citizens Bank
Cayetano Gea-Carrasco, Moody's Analytics
The Importance of Small Data in the Era of Big Data
It is fashionable to talk about Big Data, but traditional macroeconomic data – Small Data – still provides many valuable insights. Our experts will discuss how many features of the economy are collective in nature and thus invisible when viewed strictly through a Big Data lens. For example, there may be nothing in the data to suggest that a particular subprime mortgage borrower will default unless many others coincidentally suffer a similar fate.  

Speakers:
Tony Hughes, Moody’s Analytics
4:00 pM TO 4:15 pM

Break

4:15 PM TO 5:15 pM

Keynote: 

Mark Zandi, Chief Economist, Moody’s Analytics

“The Next Recession”
The US economy is performing well and near-term prospects are good. But the economic expansion is over eight years old and will soon be the second longest in our history. Hear how much longer the expansion can continue, what could end it, and the
implications for managing risk.

5:15 pM TO 5:30 pM

Closing Remarks

Buck Rumely, Moody's Analytics

6:30 pM TO 10:30 pM

Networking Reception and Dinner

Day 3

Tuesday, September 25, 2018
7:00 AM TO 8:30 AM

Open Breakfast

8:30 AM TO 8:45 AM

Welcome Remarks

Buck Rumely, Moody's Analytics

8:45 AM TO 9:30 AM

Keynote: 

Aaron Klein, Fellow and Policy Director, Brookings Institution
"Future of Finance: Regulation and Innovation"

9:30 AM TO 10:00 AM

Break

STREAMS
Applying New Trends in Technology
Managing the Implementation of CECL/IFRS9
Principles and Practices of Credit Risk Management
New Frontiers in Quantitative Analytics & Data Science
10:00 AM TO 10:45 AM
Open APIs: Building A Digital Ecosystem for Financial Risk Management
This session will review current market trends towards open API’s, how those API’s can facilitate a next generation of products and services and finally take a look at how API’s are enabling innovative new products and services.

Speakers:
Keith Berry, Moody's Analytics
Thani Sokka, Dow Jones
Lifetime Loss Rate: from Historical Data to CECL Modeling
We look at a large data set of one million C&I loans and their performance history to study the realized lifetime losses. We then link the lifetime loss rate to loan/pool characteristics and macroeconomic variables, and explore how different lifetime loss rate models can be built to calculate CECL loss allowance. We show that more granular models can better capture the underlying risk drivers and promote the alignment of allowance, underwriting, pricing, and portfolio strategy.

Speakers:
Yashan Wang, Moody's Analytics

The Use of Capital-Based Measures for Strategic Planning and Performance Measurement
The panelists will provide examples of how their organizations have
 implemented capital-based measures into various decision processes, from
 ‘top-of-the-house’ strategic planning and risk budgeting, to
 transactional-level analysis.  Particular attention will be given to the challenges of capital-based risk allocation into the business, relating these capital measures to credit limits and the impact of accounting standards on
 capital allocation.

Speakers:
Steve Chenenko, Nationwide
Jim Crawford, JPMorgan Chase
Wassim El Ouni , Bank of Montreal
Using Machine Learning Techniques to Help Cluster Commercial Real Estate Data
Join our experts as they highlight how up-to-date location information can dynamically update submarket boundaries and conditions through state-of-the-art Big Data machine learning techniques. Learn how these new techniques can help CRE investors and lenders anticipate evolving locational dynamics and manage CRE investment risks more efficiently.

Speakers:
Jun Chen, Moody’s Analytics
10:45 AM TO 11:15 AM

Break

11:15 AM TO 12:00 pM
Demystifying Sentiment
 Analysis: Use of Alternative Data in Credit Risk
This session evaluates how non-traditional sources of data can be used to enhance risk management and financial analysis.  Although the financial world has always been at the forefront of data analytics, the explosion of new sources of information makes it possible to develop new innovative techniques and gain new insights.  Join our experts discussing a wide range of scenarios for using alternative data to:
- Improve risk management efficiency and enhance credit and underwriting models
- Develop sentiment analytics using advanced natural language processing and machine learning and assess risks for those counterparties for which traditional measures of risk may not apply

Speakers:
Irina Korablev, Moody's Analytics
Rama Sankisa, Moody's Analytics
Contrasting Perspectives: Regulatory and
 Industry Views on CECL
This panel will address some of the issues that are at the forefront of the transition to CECL.  There will be a discussion of the expectations and perspectives of banking regulators and how industry experts are tackling some of the more complex topics like scenario design.

Speakers:
Cris deRitis, Moody's Analytics
Vanessa Cameron, Federal Reserve of Atlanta
Economic, Market,
and Regulatory Changes in Risk Management: A Current Perspective
 This session will address how banks are shifting business strategy based on economic, market and regulatory changes. The panelists will provide perspective and share how they compete and grow assets in today's market.

Speakers:
Jouni Korhonen, Federal Home Loan Bank of San Francisco
Paul Song, HSBC
Steve Yose. First Interstate
Quantifying the Quality of
 Financial Statements
Much of equity analysis, credit risk assessment, and enterprise valuation relies on the accuracy of financial statements. However, mistakes, misapplication of accounting rules, or outright manipulation of company numbers often cause financial statements to be restated.
Join our experts as they discuss how to quantify the accuracy of a financial statement, including some of the common patterns found in inaccurate financial statements. Learn about the database of inaccurate financial statements that Moody’s Analytics is constructing and how applying machine learning algorithms to that data can help identify inaccuracies.
  
Speakers:
Pooya Nazeran, Moody’s Analytics
12:00 pM TO 1:00 pM

Lunch/Lunch and Learn Roundtables

1:00 pM TO 1:45 pM
Better Decision Making Through Technology
Strategic decision making allows you to gain critical insight despite limits in data, time, and technology. Join our experts to learn how Moody’s Analytics RiskBench™ and Capital Risk Analyzer solutions complement our risk and finance solutions to help you make more strategic decisions and strengthen collaboration and efficiencies among different lines of business.

Speakers:
Nihil Patel, Moody's Analytics
Mehna Raissi, Moody’s Analytics
Moody’s Analytics Solutions for the New Impairment Accounting Standards
Moody’s Analytics experts will discuss lessons learned from helping dozens of institutions meet their IFRS 9 needs. They’ll detail how Moody’s Analytics data, models, economic forecasts, and advisory services can help banks address the new impairment accounting standards.

Speakers:
Emil Lopez, Moody's Analytics
Olivier Brucker, Moody’s Analytics
The Instant Age of Small Business Lending
Small business lending is rife with inefficiencies and sub-optimal processes. Join our experts as they discuss how the Moody’s Analytics MARQ™ portal and CreditLens™ solutions can help lenders improve productivity, decrease costs, and better manage risks.

Speakers:
Nancy Michael, Moody's Analytics
Michael Schwartz, Moody's Analytics
Or
Moody's Analytics Data Alliance: Gaining Insight Through Data Consortia
Our experts will introduce the Moody’s Analytics Data Alliance, a brand new solution that lets you access all of our data consortiums. These encompass a broad range of asset classes including Corporates and Industrials, Commercial Real Estate, and Project Finance.
Learn how the soon-to-be-launched Data Alliance website will allow you to submit data seamlessly and download both data and reports with ease.

Speakers:
Sunny Wong, Moody's Analytics
Jim Sarrail, Moody's Analytics
Credit Risk Analytics: An Evolving Landscape
Moody’s Analytics offers solutions that allow the application of analytics and algorithms across multiple asset classes and use cases. Our clients firms drive origination, pricing, reserving, and servicing decisions. Join Moody’s Analytics experts as they discuss how our solutions can help your organization adapt to changing regulations and operate more efficiently.

Speakers:
Chris Henkel, Moody's Analytics
Cris deRitis, Moody’s Analytics
1:45 pM TO 2:15 pM

Break

2:15 pM TO 3:00 pM
Innovation Panel
Innovation leaders across the industry will discuss innovation and technology driven changes in the financial industry.

Speakers:
Nick Reed, ANZ
Communicating the Impact of CECL to Senior Leadership
Our experts will address some of the challenges associated with bringing your institution’s senior leaders fully up to speed on the expected impact of CECL.

Speakers:
John Gallagher, Ernst and Young
Melissa Green, Liberty Mutual Investments
Ed Young, Moody's Analytics
Is the Hunt for Yield Displacing Risk Management?
Our experts will examine spread compression in a low interest rate environment and the hunt for high yield – and demand from C&I and CRE loan investors. We’ll discuss the economics behind the changing dynamics in interest rate and credit default swap spreads, and how the demand from loan investors impacts standard risk management practices.

Speakers:
Sohini Chowdhury, Moody’s Analytics
Dale Gray, International Monetary Fund
Sam Malone, Moody’s Analytics
John Monaghan, CIT
Accounting,
 Regulatory Metrics and Banks’ Performance: An Exploratory Analysis and
 Implications for Risk Management
We empirically test the relationship between the relationship between accounting/regulatory measures, including the stress testing version, such as CET1 ratio, leverage ratio, coverage ratio, and NPL and banks’ subsequent performances.  We find some quite surprising results. For example, a simple metric related to credit risk stands out as the most informative measure for the banks studied. We will also comment on the implications of our study on banks’ risk management practices.

Speaker: 
Jing Zhang , Moody’s Analytics
3:00 pM TO 3:30 pM

Break

3:30 pM TO 4:15 pM
Q&A with FASB Members
Panel will answer frequently asked questions regarding the new financial instruments credit losses standard.

Speaker:
Hal Schroeder, FASB
Shayne Kuhaneck, FASB
Modern Practices in Loan Origination
Join us for a review of loan origination practices over the last decade as well as the drivers behind change including cost savings, efficiency and competition. The panelist will discuss  modern trends in origination practices that have become the new norm. They will share perspectives on what works well and where we continue to have opportunity to evolve in the industry.

Speakers:
John Baer, Moody's Analytics
Amy Steingrebe, US Bank
Using Machine Learning Techniques for
 Assessing Variable and Model Selection
Assessing variable and model selection for a PD model can benefit from comparing against machine learning alternatives. This talk will compare different approaches to automated variable selection and machine learning model alternatives.

Speakers:
Craig Peters, Moody's Analytics
Or
Financing Ride-Shares: The Impact of New Technology on the Auto Industry
The advent of rideshare
services holds the potential to dramatically reshape the auto industry. As driverless cars are perfected and then introduced, such services will become instantly profitable, prompting many car owners to rely exclusively on rideshare services to get around.  In this presentation we will examine
the economics underlying these decisions and consider possible short and long-term implications for the auto industry. New technology will have a profound impact on who will buy cars, who will make them, on the nature
of cars being made and on how they will be financed.

Speakers:
Tony Hughes, Moody’s Analytics
4:15 pM TO 4:30 pM

Break

4:30 pM TO 5:15 pM

Keynote: 

Philip Moyer, Director of Financial Services, Amazon Web Services

“Innovating at Scale”

5:15 pM TO 5:30 pM

Closing Remarks

Buck Rumely, Moody's Analytics

Day 4

Wednesday September 26, 2018
9:00 AM TO 12:00 pM

CECL Forum for Mid-Size Banks

Risk and accounting practitioners at Mid-Size Banks ($5B - $35B in holdings) are invited to join us for breakfast followed by our 4th CECL Forum. The Forum will bring together industry practitioners from peer institutions with Moody’s Analytics subject-matter experts to discuss evolving approaches to CECL implementation challenges. The event will include a mix of presentations, panel discussions and networking opportunities around the nuts and bolts of implementing a CECL-ready ACL calculation process.

9:00 AM TO 12:00 pM

Risk Rating Analytics Roundtable

Join us for breakfast and an interactive discussion on the following topics:

- Look inside risk analytics market trends
- Discussion on new industry insights, technologies and modelling techniques that will take analytics to the next generation  
- Update on latest innovations at Moody’s Analytics addressing challenges in risk scoring during pre-qualification, origination and monitoring phases
- Roundtables focused on best practices for monitoring risk of public and private companies of all sizes

10:00 AM TO 1:00 pM

Credit Portfolio Risk Roundtable

This Roundtable will give you the opportunity to discuss the challenges and opportunities in credit risk portfolio management for senior executives in the regional bank space. Meet with your peers to exchange ideas, issues and best practices in this interactive discussion.

Topics for this year's Roundtable will include:

- Managing the Impact of CECL on Uncertainty in Earnings
- Measuring Capital Adequacy - What is an Appropriate Capital Buffer?
- Using Call Report Data for Peer Analysis 
- Practical Recommendations on Setting Limits using Risk Based Metrics

In addition we will have client speakers to share their experiences on the above topics.

  • A service that provides a website for financial institutions, labeled with their brand, to streamline small business lending
  • Automated, electronic, instantaneous collection of financial data from a business’s accounting system.
  • Integration with Lending Cloud for automated spreading.
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Pricing

First 100 Registrants Receive $100 Off Conference ($349)
Register by 7/31
Register after 7/31
Conference
$399
$449
Training
$199 (Half-Day)
$398 (Full Day)
$249 (Half-Day)
$498 (Full-Day)
GROUP DISCOUNT

Register 3 attendees, the 4th attendee will automatically attend for FREE
On the "Registration Summary Page" you may "add a group member" in order to receive the automatic discount.
venue

CenturyLink Convention Center

455 North 10th Street
Omaha, NE 68102

The CenturyLink Center and the Hilton are located in the heart of Omaha's downtown riverfront development and a glass-enclosed skywalk links the CenturyLink Center to the Hilton Omaha, providing a convenience for conference attendees who stay at the Hilton Omaha.  

The CenturyLink Center and the Hilton Omaha are within walking distance to the historic Old Market Entertainment and Shopping District, and is approximately 3.5 miles from Omaha's Eppley Airfield.  A wide variety of attractions are in close proximity such as TD Ameritrade Park Omaha, Bob Kerrey Pedestrian Bridge, Joselyn Art Museum, Children's Museum, Durham Museum, Holland Performing Arts Center, Orpheum Theater, and Henry Doorly Zoo and Aquarium to name a few.

HOTEL

Hilton Downtown Omaha

1001 Cass Street
Omaha, NE 68102

Hilton Omaha Website

1 (402) 998-3400

Preferred Room Rate: $150/night (plus taxes and fees)

The discounted room rate is available two days before and after the conference (pending room availability).   Should you decide to call the hotel to make your reservations instead of going through the link below, the group code is “MAA”.

Guest rooms are optimized for business guests and include large work desks, sweeping Omaha views, 32-inch HD entertainment centers, high speed internet access, refrigerator, and in-room safe around the centerpieces - new Serenity Bed by Serta.  All accommodations are 100% non-smoking.

Reserve  Hotel  Now

Contact Us

Email Kim Saitta: Kim.Saitta@moodys.com
Phone Client Services: +1.212.553.1653
For a comprehensive list of Moody's Analytics events, visit moodysanalytics.com.

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