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Monday, February 3, 2020

Tuesday, February 4, 2020

  • Opening General Session: Thinking Outside the Box with Walter Isaacson


    Speaker(s)

    Walter Isaacson, Best-selling Author, Acclaimed Historian Journalist, Professor of History, Tulane University

    Christopher M. George, 2019 MBA Chairman, Founder, President and CEO, CMG Financial

    General Session

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    As the former President/CEO of the Aspen Institute, former chairman/CEO of CNN and former managing editor of TIME magazine, Walter Isaacson’s passion goes well beyond the news. One of today’s most insightful biographers, Isaacson brilliantly captures America’s greatest leaders and creative thinkers. IN this session, he brings us closer to remarkable American figures from Ben Franklin to Steve Jobs and what we can learn from now their ability to question conventional wisdom and foster the creativity necessary to compete today.

    Speaker(s)

    Walter Isaacson, Best-selling Author, Acclaimed Historian Journalist, Professor of History, Tulane University

    Walter Isaacson is a Professor of History at Tulane and an advisory partner at Perella Weinberg, a financial services firm based in New York City. He is the past CEO of the Aspen Institute, where he is now a Distinguished Fellow, and has been the chairman of CNN and the editor of TIME magazine.  Isaacson’s most recent biography, Leonardo da Vinci (2017), offers new discoveries about Leonardo’s life and work, weaving a narrative that connects his art to his science. He is also the author of The Innovators: How a Group of Hackers, Geniuses, and Geeks Created the Digital Revolution (2014), Steve Jobs (2011), Einstein: His Life and Universe (2007), Benjamin Franklin: An American Life (2003), and Kissinger: A Biography (1992), and coauthor of The Wise Men: Six Friends and the World They Made (1986). He is a host of the show “Amanpour and Company” on PBS and CNN, a contributor to CNBC, and host of the podcast “Trailblazers, from Dell Technologies.”  He became chairman and CEO of CNN in 2001, and then president and CEO of the Aspen Institute in 2003.  He was appointed by President Barack Obama and confirmed by the Senate to serve as the chairman of the Broadcasting Board of Governors, which runs Voice of America, Radio Free Europe, and other international broadcasts of the United States, a position he held from 2009 to 2012.  He is a member of the American Academy of Arts and Sciences, the Royal Society of the Arts, and the American Philosophical Society.

    Christopher M. George, 2019 MBA Chairman, Founder, President and CEO, CMG Financial

    Christopher M. George, 2019 Chairman of the Mortgage Bankers Association, is the founder, President and CEO of CMG Financial, a privately held Mortgage Bank, headquartered in San Ramon, California. Under George's direction, CMG Financial has developed into a robust firm making its products and services available to the market nationally through three distinct origination channels including wholesale, correspondent and retail lending which also serves the home builder, real estate and credit union communities. In addition to his role at CMG Financial, George has served on the MBA's Board of Directors since 2012, is a member of MBA's Independent Mortgage Bankers Executive Council and MBA's Consumer Affairs Advisory Council, the Board of Directors for MBA's Opens Doors Foundation™ and as well as an active member of MBA's advocacy  and diversity and inclusion efforts. In 2012, George established the CMG Foundation, a philanthropic endeavor to support non-profit organizations at both the community and national levels.

  • General Session: Housing Finance Reform - What it Means for the IMB


    Speaker(s)

    The Honorable Brian D. Montgomery, Federal Housing Commissioner and Assistant Secretary for Housing, U.S. Department of Housing and Urban Development

    General Session

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    Housing finance reform, in some way, is no longer a far-off concept. As the picture comes into focus, hear from key housing leaders as they discuss the current plans for housing finance reform and learn how it will impact IMBs specifically.

    Speaker(s)

    The Honorable Brian D. Montgomery, Federal Housing Commissioner and Assistant Secretary for Housing, U.S. Department of Housing and Urban Development

    Brian D. Montgomery serves as the Assistant Secretary for Housing – Federal Housing Commissioner for HUD. Nominated by President Trump in September 2017, his confirmation marks the first time an individual has served as head of the Federal Housing Administration (FHA) twice, and under three different Administrations. As Federal Housing Commissioner, Montgomery is responsible for the management of FHA’s $1.3 trillion mortgage insurance portfolio, which includes its Single Family, Multifamily, and Health Care programs. As Assistant Secretary for Housing, he also oversees HUD’s project-based Section 8 rental assistance housing program, the Office of Housing Counseling, and HUD’s Manufactured Housing Program.

  • General Session: Managing through Changing Times


    Speaker(s)

    Terry L. Schmidt, CMB, Executive Vice President, Chief Financial Officer and Principal, Guild Mortgage Company

    Bill Emerson, 2016 MBA Chairman and Vice Chairman, Quicken Loans, Inc.

    General Session

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    Industry leaders provide perspective on the opportunities and challenges IMBs may face in the year ahead, given market uncertainty, new entrants, and housing policy changes. Hear how these leaders are positioning their companies to be competitive in the near and long terms.

    Speaker(s)

    Terry L. Schmidt, CMB, Executive Vice President, Chief Financial Officer and Principal, Guild Mortgage Company

    Terry Schmidt is an Executive Vice President, Chief Financial Officer and Principal at Guild Mortgage Company.  Ms. Schmidt joined the company in 1985.  She is responsible for the financial reporting, budgeting, cash management, warehouse lending and human resource functions.  Ms. Schmidt also evaluates potential acquisition candidates, including transaction structures, and integration team management.  Over the years she has performed system innovations and conversions related to her areas of responsibility as well as developing value added branch and company metrics, and designing a proprietary MSR valuation and impairment model.   Ms. Schmidt has also served on the Board of Directors for Guild since 1996.

    Bill Emerson, 2016 MBA Chairman and Vice Chairman, Quicken Loans, Inc.

    Bill Emerson is Vice Chairman of Rock Holdings Inc., the parent company of Quicken Loans and several other fintech businesses. He is responsible for leadership, growth and culture development across the entire Rock Holdings portfolio. Most recently, Emerson was CEO of Quicken Loans, a position he held for 15 years, joining in 1993 as a Mortgage Banker. Emerson is an active spokesman for the housing industry and has testified before the United States Senate Committee on Banking, Housing and Urban Affairs and the House Financial Services Subcommittee on Financial Institutions and Consumer Credit. He served as 2016 MBA Chairman and is a board member of the Financial Services Roundtable’s Housing Policy Council (HPC) and the HPC’s Executive Council. Emerson is a member of the Board of Directors of Xenith, Inc., a football helmet company. Dedicated to his community, he received the ALS Association’s Iron Horse Award and the Salvation Army’s prestigious William Booth Award and supports the Alzheimer’s Association Greater Michigan Chapter.

  • General Session: Mortgage Market Outlook for IMBs


    Speaker(s)

    Michael Fratantoni, Ph.D, Chief Economist and Senior Vice President, Research and Industry Technology, Mortgage Bankers Association

    Marina Walsh, Vice President, Industry Analysis, Mortgage Bankers Association

    General Session

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    MBA’s Research team provides the latest analysis of current economic, housing market and mortgage market trends, with a focus on lender profitability and other business metrics. Get the latest forecast for the industry, including the various forces impacting the market and what they might mean as you develop your business strategy for 2020 and beyond.

    Speaker(s)

    Michael Fratantoni, Ph.D, Chief Economist and Senior Vice President, Research and Industry Technology, Mortgage Bankers Association

    Michael Fratantoni is MBA’s Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA’s industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts and policy development research for both single-family and commercial/ multifamily markets. Additionally,
    Fratantoni is President and member of the Board of Directors of MISMO and serves on the CSP’s Industry Advisory Group and the membership committee of MERS. Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.

    Marina Walsh, Vice President, Industry Analysis, Mortgage Bankers Association

    Marina Walsh is Vice President of industry analysis in MBA’s research and economics department, specializing in industry performance benchmarking for residential lenders and servicers. She has worked in real estate finance for close to 20 years. Currently, she leads the management and direction for the annual and quarterly Mortgage Bankers Performance Reports, the Servicing Operations Study and Forum, the Peer Group Survey and Roundtable Program, the Mortgage Banking Compensation Survey Program and other ad hoc surveys and policy analyses. She is also MBA’s  spokesperson for the Quarterly National Delinquency Survey.  Results of her work have been published in all of the major trade publications as well as national and local newspapers. Walsh was named to HousingWire’s “2016 Women of Influence” list. The list, which is based on nominations from the industry, highlights women who are making significant contributions to mortgage banking and real estate. Prior to joining MBA, Walsh was a manager in Ernst and Young’s Real Estate Advisory Services Group.

  • Breakout Session: Counterparty Risk Management


    Speaker(s)

    Gregory A. Keith, Senior Vice President and Chief Risk Officer, Ginnie Mae

    Matt Fair, Senior Vice President and Risk Manager, Texas Capital Bank, N.A.

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    Hear from IMB’s key counterparties, Ginnie Mae and warehouse lenders, as they give their perspective on the nuances of compliance, liquidity requirements, and issuer risk. Discussion topics will include, stress testing, covenant requirements, and communication with your counterparties.

    Speaker(s)

    Gregory A. Keith, Senior Vice President and Chief Risk Officer, Ginnie Mae

    Gregory A. Keith is Ginnie Mae’s SVP & Chief Risk Officer. In this capacity, he manages the corporation’s counterparty, credit, market, operational and cyber risk.  Keith has more than 30 years of experience in the financial services industry, focused primarily on mortgage and asset backed finance. Prior to Ginnie Mae, Keith spent nine years in various roles at Fannie Mae.  In 2001, Keith came to Fannie Mae from First Union Bank, where he was the Chief Operating Officer for the Structured Products Group of the Corporate and Investment Bank. In the past, Keith also served as a Manager at KPMG Consulting, focusing on the execution of strategic, financial, and operational engagements.

    Matt Fair, Senior Vice President and Risk Manager, Texas Capital Bank, N.A.

    Matt is the Risk Manager for the Mortgage Finance group at Texas Capital Bank and previously served as Risk Manager for the bank’s Warehouse Lending business. Matt has over 18 years of experience in mortgage finance and has held positions with national banks, independent mortgage bankers and Freddie Mac. 

  • Breakout Session: Elevating Your Brand


    Speaker(s)

    Barbara Yolles, Chief Strategic Officer, The Money Source Inc.

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    Make sure your brand is saying what you want it to say. Are there small steps you could take to ensure that you are the “go to” lender in your markets? Or do you need to completely overhaul how you’re presenting your business? This interactive session will provide the latest tips on brand building, social media use, and search engine optimization for IMBs of all size and scope.

    Speaker(s)

    Barbara Yolles, Chief Strategic Officer, The Money Source Inc.

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    Meet face-to-face with your peers from the monthly Independent Mortgage Bankers Network call. This forum – only open to IMBs - provides an opportunity to dig deep on business concerns specifically from the IMB perspective. Utilizing a roundtable format, you’ll collaborate with peers on a specific issue in small groups, learn from shared experiences, and then use your discussion to share with the larger group. This ninety-minute think tank will serve to identify common challenges as well as solutions for you and your company.

Wednesday, February 5, 2020

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    Don’t miss this session featuring product demos showcasing the latest technology Learn from providers, experts and peers about solutions that solve common business problems and createnew opportunities. You’ll leave inspired by the opportunities to digitally transform your company.

  • Breakout Session: Build Your Pipeline to Sustain Purchase and Refi Markets


    Speaker(s)

    Eddy Perez, CMB, President, Equity Prime Mortgage LLC

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    Chances are, you’re leaving market share on the table by not partnering enough with housing-oriented nonprofits. Could your IMB benefit from a steady stream of curated, educated borrowers? This session will show how you can improve both your own pipeline and your community through partnerships that are under your nose

    Speaker(s)

    Eddy Perez, CMB, President, Equity Prime Mortgage LLC

  • Breakout Session: M&A – Timing is Everything


    Speaker(s)

    Lauren Pryor, Partner, Mayer Brown LLP

    Christopher Witeck, Partner, Buckley LLP

    Garth E. Graham, Senior Partner, STRATMOR Group

    Robert Losquadro, Senior Vice President, Houlihan Lokey

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    Back by popular demand, this session offers advice on ways to smoothly merge operations and ensure a successful M&A transaction for sellers, buyers, regulators and other stakeholders. Whether you’re buying, selling, or simply considering your options, don’t miss this opportunity to get expert analysis on capital sources, deal structures, and legal, accounting, and tax issues.

    Speaker(s)

    Lauren Pryor, Partner, Mayer Brown LLP

    Lauren Pryor is a partner at Mayer Brown LLP and co-head of the Financial Institutions M&A group.  Lauren focuses her practice on counseling clients in M&A, corporate and business transactional matters in the financial services industry, including advising publicly held and private companies involved in mergers, acquisitions and divestitures and transfers of assets in the mortgage space.  Lauren frequently represents mortgage originators and servicers in equity and asset transactions, joint ventures and mortgage servicing rights deals.  Lauren was recognized by HousingWire magazine in June 2019 as a HousingWire Rising Star among leaders and innovators in the mortgage industry.

    Christopher Witeck, Partner, Buckley LLP

    Chris Witeck, who serves as Buckley LLP’s Chief Operating Partner, represents financial services entities in negotiating a wide variety of corporate transactions, including company M&A, asset purchases, and critical vendor and other third-party relationships. His clients include banks, mortgage companies and servicers, marketplace and other lenders, fintech and emerging payments providers, and other business entities in the financial services industry.  Mr. Witeck represents buyers and sellers of mortgage loans and other consumer lending assets, including interests such as mortgage servicing rights, and regularly negotiates many varieties of servicing and subservicing contracts.  His regulatory practice focuses on advising lenders and servicers on matters involving the Real Estate Settlement Procedures Act, including affiliated business arrangements, portfolio retention transactions, and vendor management issues. He is also a leading counselor to loan sellers on Regulation AB requirements.

    Garth E. Graham, Senior Partner, STRATMOR Group

    Garth Graham is a Senior Partner at STRATMOR Group’, a 30 year old mortgage banking consulting firm. Graham has over 25 years of experience in mortgage banking, ranging from Fortune 500 companies to successful startups. He is a true pioneer of the Digital Mortgage, as one of the founders of mortgage.com, and was an executive at Top 5 lender ABN-AMRO Mortgage before it’s $9 billion sales to Citigroup in March of 2007 which closed before the market downturn. Good timing!  Garth is a frequent speaker at national conventions, corporate events, and technology conferences. And always with a balance of data, insights, and jokes.

    Robert Losquadro, Senior Vice President, Houlihan Lokey

    Robert Losquadro is a senior member of Houlihan Lokey’s Financial Institutions Group. He specializes in advising financial services companies on M&A, capital raising and other strategic advisory engagements.  He has extensive experience working with specialty finance companies, with a specific focus on the residential real estate and mortgage sector. For over ten years, Robert has advised on M&A transactions, capital markets, and financial restructuring engagements involving mortgage companies ranging from publicly traded companies to founder-owned, private businesses.  Previously, Robert was at Milestone Advisors in Washington, D.C. where he focused on specialty finance and mortgage finance M&A and capital raising.  Prior to joining Milestone, he focused on distressed debt acquisitions and turnaround situations for the Denver-based investment firm, Republic Financial Corporation.

  • mPower Lunch: Command Any Room


    Speaker(s)

    Marcia M. Davies, Chief Operating Officer, Mortgage Bankers Association, and Founder, mPower

    Ruth Sherman, President and Chief Executive Officer, RuthSherman.com

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    You have the knowledge and experience. You know whom you must get in front of. Those things aren’t the problems. Here’s what is: You need the right combination of message and delivery skills to move decision-makers to action. Presenting and communicating in a skillful and confident manner enables you to pry open the doors to power and become recognized as a force, which subsequently converts to increased recognition and revenues. In this dynamic and interactive presentation, you’ll learn tools and techniques you can apply immediately to influence stakeholders so they become champions, clamor to do business with you and enthusiastically refer you to their networks.

    Speaker(s)

    Marcia M. Davies, Chief Operating Officer, Mortgage Bankers Association, and Founder, mPower

    Marcia M. Davies is Chief Operating Officer for the Mortgage Bankers Association (MBA). As COO, Marcia is responsible for ensuring cross-organizational alignment and facilitating the implementation of strategic initiatives, as well as maintaining oversight of key organizational priorities. She is also the lead strategist for MBA's external activities, providing leadership, guidance and overall management to the public affairs and marketing divisions. In addition, Marcia provides strategic direction and management of MBA's Conferences, Membership, Education, Information Technology and Office Services divisions. She also provides management oversight to and is a Board member of MBA's Opens Doors Foundation. Previously, Marcia worked at the U.S. Department of Housing and Urban Development (HUD), as Senior Advisor to the Assistant Secretary for Housing and Federal Housing Commissioner. She directed HUD's industry relations program to strengthen relationships, garner support, streamline communications and resolve policy and regulatory issues. Before joining HUD, Marcia spent 21 years at Freddie Mac, where she held a variety of officer positions in communications, customer outreach, marketing, servicer relations and policy. Marcia is the founder of mPower - MBA Promoting Opportunities for Women to Extend their Reach -- MBA's networking platform for women in the real estate finance industry. She is a member of the NAWRB Diversity and Inclusion Leadership Council (NDILC). Marcia is also a member of Women in Housing Finance and the International Women's Leadership Association. In 2015, she was honored by HousingWire as one of its 2015 Women of Influence.

    Ruth Sherman, President and Chief Executive Officer, RuthSherman.com

    Ruth Sherman, M.A., works with global CEOs, public figures, and international celebrities looking to have a greater impact in their personal, public communications.  Five of her clients have won Oscars and one the Pulitzer Prize.  A leading authority on political communication,  she is widely quoted in the press including the New York Times, Washington  Post, and TIME, among many others, contending the best communicator and connector wins.  Ruth has written two books, the most recent of which is SPEAKRETS®: The 30 Best, Most Effective, Most Overlooked Marketing & Personal Branding  Essentials. A highly sought after speaker, she has been engaged to share her insights by organizations as varied as Google, Microsoft, and NBC/Universal.

  • Read more Read less

    It’s an uncomfortable truth, but data breaches continue to increase. For your company, the issue of being hacked is more likely “when”, not “if”. You’ll leave this session with the understanding of how to make your IMB more resistant and resilient to this trend.

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    Learn from experts about how to optimize your business processes, increase productivity, and manage costs, especially in a rapidly changing market.

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    MBA’s roster of talented legal and compliance experts are available to answer your most pressing federal and state compliance questions.

  • Breakout Session: Opportunities for Best Execution in Today’s Market


    Speaker(s)

    William M. Decker, President, MAXEX, LLC

    John Ardy, Vice President, Optimal Blue, and Co-Founder, Resitrader

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    Although the refi wave boosted origination volume and widened margins, lenders continue to look for any advantage which could improve their secondary market execution.  This panel will feature experts who will speak on opportunities available to lenders in today’s market, ranging from non-QM products to trading platforms and approaches to reach a wider set of investors.

    Speaker(s)

    William M. Decker, President, MAXEX, LLC

    Mr. Decker serves as President of MAXEX and brings over 30 years of community banking, capital markets, information technology, fixed income, portfolio management, and mortgage banking experience to the Company. Prior to joining MAXEX, Mr. Decker was the founder and CEO of Lydian Data Services, a residential mortgage conduit with over 700 correspondents electronically linked to 8 out of the top 10 Wall Street dealers generating nearly $40 billion per annum in loan volume (1999-2010). Mr. Decker also founded and served as President of Lydian Trust Company, the bank holding company of Lydian. Together with its subsidiaries (Lydian Wealth Management, Lydian Data Services, and Lydian Private Bank), the company did over $130 million in revenue. Prior to Lydian, Mr. Decker served as the President of two community banks: VirtualBank and Enterprise National Bank, where he also served as Chairman and CEO. Prior to that, he spent his career in banking, portfolio management and trading with senior positions at First Atlanta/Wachovia, Southeast Bank, Barnett Bank, and Bank South.

    John Ardy, Vice President, Optimal Blue, and Co-Founder, Resitrader

    John has dedicated his career to developing technology and process improvements within the mortgage industry. In 2015, John co-founded Resitrader, a whole loan platform supporting mortgage loan pricing and trading.   Resitrader is the result of several years of industry interviews, process definition and strategy development regarding the role of a technology platform in whole loan mortgage trading. In 2018, Resitrader was acquired by Optimal Blue and John joined the OB team as Vice President. John has previously held executive positions at Equator, Black Knight, and Countrywide.

  • Breakout Session: MSR Management for IMBs: Cash or Customer


    Speaker(s)

    Prateek Khokhar, Chief Financial Officer, American Pacific Mortgage Corporation

    Seth D. Sprague, CMB, Principal, STRATMOR Group

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    The interest rate volatility of the recent years has materially impacted the servicing business.   Hear from a panel of industry experts about the best practices in MSR Management for an IMBs including retaining versus selling taking the cash today or keeping the customer, servicing in house versus using a sub servicer and ensuring your counterparties understand the overall MSR strategy in the evaluation of your financials.

    Speaker(s)

    Prateek Khokhar, Chief Financial Officer, American Pacific Mortgage Corporation

    Seth D. Sprague, CMB, Principal, STRATMOR Group

    Seth Sprague joined STRATMOR Group as a Principal early in 2019 with more than 20 years of mortgage banking and servicing valuation experience. Seth specializes in mortgage servicing rights (MSRs), servicing, cash flows, liquidity and mortgage profitability strategies.  Prior to joining STRATMOR, Seth served as EVP of Trading & Analytics at PHOENIX, a mortgage advisory firm.  Seth also served as SVP—Servicing Asset Manager at SunTrust Mortgage for more than 10 years, where he led the servicing rights valuation team.  In 2018, Seth was selected as Secretary of the MBA’s Certified Mortgage Banker (CMB) Society and serves on several committees with the Mortgage Bankers Association (MBA).  Seth is a frequent speaker at various MBA and other industry conferences, often speaking on liquidity and the overall challenges present in the mortgage industry. An instructor with the MBA’s School of Mortgage Banking (SOMB) program since 2007, Seth teaches “Servicing/MSR Day”.

Thursday, February 6, 2020

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