The Lending & Credit Conference provides the perfect balance of educational and networking opportunities through a combination of general sessions and peer group discussions.  With a variety of sessions that address the most pressing issues facing lending and credit professionals, this educational event will help you navigate today’s economic and regulatory environment and prepare you for opportunities that lay ahead.

Agenda

sunday, october 25

6:00 – 7:00 p.m.  Opening Reception (Colony Foyer)
Sponsored by College Ave

monday, october 26

8:00 a.m.  Registration | Continental Breakfast (Conference Registration 1 & Colony Room E)
Registration sponsored by College Ave
Breakfast sponsored by FHLBank of Atlanta
Coffee Station sponsored by ServisFirst

8:30 – 8:40 a.m.  Welcome | Announcements | Sponsor Introductions (Colony Rooms ABCD)
Sponsoring Conference Emcee – Malosi Pa’u | Abrigo

8:40 – 9:40 a.m.  Economic Outlook (Colony Rooms ABCD)
Daniel Grantham | OCC

9:45 – 10:45 a.m.  Exhibitor Solutions Showcase (Colony Rooms ABCD)

10:25 – 10:45 a.m.  Networking Break (Colony Room E)

10:45 a.m. – 12:00 p.m.  Topic: Real-World AI Solutions: Moving from AI Pilots to ROI-Driven Deployment (Colony Rooms ABCD)
Kevin Miyamoto | Identifee with DJ Seeterlin | Chesapeake Bank & Rob Noon | Atlantic Union Bank

This session will include a micro-roundtable from 11:45 a.m. – 12:00 p.m.

12:00 – 1:00 p.m.  Lunch (Allegheny Room)
Sponsored by Spotts Fain

1:00 – 2:00 p.m.  Beyond the Reserve: What CECL is Telling You About Credit Risk (Colony Rooms ABCD)
Brittany Stern | CliftonLarsonAllen LLP 

CECL is often viewed as an accounting exercise, but the most effective institutions use it as a powerful credit risk management tool. This session explores how CECL can provide insight into emerging portfolio risks, concentration exposures, underwriting trends, and economic uncertainty before those issues appear in delinquency and loss metrics.

Participants will learn how leading institutions are using CECL data to support lending decisions, communicate risk to boards and regulators, and better understand the forward-looking drivers of credit quality. The session will also discuss common examiner expectations, key pitfalls observed across the industry, and practical ways lenders can leverage CECL outputs to strengthen portfolio management.
 
2:00 – 2:20 p.m.  Networking Break (Colony Room E)
Sponsored by Virginia Small Business Financing Authority

2:20 – 3:45 p.m.  Industry Update and Regulator Panel (Colony Rooms ABCD)

Industry Update: 
Tristan Macdonald | Virginia Bankers Association & Evan Richards | Maryland Bankers Association

Regulator Panel:
Jeff Burgess | FDIC
Jeff Deibel | Federal Reserve Bank of Richmond
Joe Hoge | OCC
Ron Prillaman | Bureau of Financial Institutions
Michael Sprouse | Office of Financial Regulation

3:45 – 4:00 p.m.  Networking Break (Colony Room E)

4:00 – 5:00 p.m.  Banker Roundtable (Colony Rooms ABCD)
This session is exclusively for bankers.

5:00 – 6:00 p.m.  Networking Reception (Colony Room E)
Sponsored by Tranzon Key

TUesday, October 27

8:00 a.m.  Continental Breakfast (Colony Room E)
Coffee Station sponsored by ServisFirst

8:30 – 8:35 a.m.  Announcements (Colony Rooms ABCD)

8:35 – 9:30 a.m.  Credit Risk Management that Works (Colony Rooms ABCD)
David Kemp | Bankers Management, Inc.

9:30 – 9:45 a.m.  Networking Break (Colony Room E)

9:45 – 10:40 a.m.  BUSTED – Busting Myths About Cyber Fraud (Colony Rooms ABCD)
Jonathan W. Biggs | Investors Title Insurance Company

In this hour we will explore and debunk many of the myths circulating about Cyber Fraud and Cyber Crime. Every example that we will cover is something that I have heard from a title and settlement professional that is absolutely without false. Just because something gets repeated over and over does not make it true. We have to “unlearn” some of these “truths” that you may have learned over the recent years of facing this terrible threat to your business and your clients. This presentation will expose these falsehoods and set the record straight.

This session will include a micro-roundtable from 10:40 – 10:55 a.m.

10:55 – 11:10 a.m.  Networking Break (Colony Room E)

11:10 – 11:20 a.m.  Exhibitor Drawing – Must be present to win!

11:20 a.m. – 12:20 p.m.  Closing Keynote – The Nature of Big Change: When the Old Playbook Stops Working (Colony Rooms ABCD)
Gretchen Pisano | pLink Leadership

Big change has a shape. Industries, institutions, and careers move through a recognizable life cycle, and the same decision that was smart in one stage becomes the wrong move in the next. Rules that shift with each administration, customers who want a human being and a seamless app, technology moving faster than the policy meant to govern it: these are not problems to be solved once and filed away. They are conditions to be read.

In this closing keynote, positive leadership expert Gretchen Pisano hands the room a map. Not a route, because under genuine uncertainty no one has one, but a way to recognize what terrain you are standing in and why that changes what a wise choice looks like. She names the predictable struggles that surface whenever the ground shifts, and why the sense of falling behind usually signals an environment that has outpaced the available tools rather than any failure of effort or ability. 

Attendees will leave able to answer three questions: where we actually are, why it feels this hard, and where my attention should go next. Whether you lead a team or manage a portfolio of relationships, the answers are usable the day you get back. 

Meet the Speakers & Panelists

Jonathan W. Biggs
Investors Title Insurance Company

Jon Biggs oversees risk management functions related to Investors Title’s approved provider system. In this role, he oversees the approval process, develops educational seminars and communications-based initiatives involving approved providers and agents, and manages provider data and analysis related to the company’s risk management efforts. Prior to joining Investors Title in 2012, he was partner at a firm in Durham, North Carolina where he practiced residential and commercial real estate law for more than 20 years. Mr. Biggs holds a bachelor’s degree from Duke University and a Juris Doctor from Wake Forest University School of Law.

Rob Noon
Atlantic Union Bank

Rob Noon is a senior treasury management professional with deep experience in client services and operational leadership within large financial institutions. Based in Richmond, VA he currently serves in a director-level role overseeing treasury and cash management services, where he is responsible for delivering strategic support and operational excellence for complex commercial client relationships. His work focuses on aligning treasury solutions with client needs while driving service quality, risk management, and process efficiency across teams.

Over the course of his career at Wells Fargo, Texas Capital and Atlantic Union Bank, Rob has built a strong reputation for leading client-facing operations, guiding teams through process optimization, and supporting enterprise-scale treasury management platforms. His background spans treasury management client services, operations leadership, and cross functional collaboration, enabling him to bridge the gap between product, operations, and customer experience. This blend of strategic and hands-on expertise positions him as a trusted leader within the treasury services organization and a key contributor to client satisfaction and long-term relationship growth.

Rob has 3 children who reside in Dallas, Charlotte, and Lexington, Kentucky. Besides being a father and Papa to 2 grandchildren, he enjoys his free time hiking, traveling, and supporting his Uconn Huskies.

Gretchen Pisano
pLink Leadership

Gretchen Pisano is a globally renowned leadership strategist, keynote speaker, and creator of Big Energy™ – a powerful framework that helps leaders ride the waves of change without burning out. As CEO and co-founder of pLink Leadership, she has guided high-integrity leaders across Fortune 500 companies for over 25 years.

Drawing on behavioral science and positive psychology, Gretchen’s unique approach challenges the belief that burnout is the inevitable price of ambition. Her Big Energy™ framework, built on the cadence of hope, drive, and rest, transforms how leaders navigate complexity and generate sustainable excellence.

Featured in Fast Company, Money, and Monster.com, Gretchen has spoken at The MAKERS Conference, AICPA ENGAGE, and by invitation at organizations including Facebook, Amazon, and the Brookings Institution. She holds a master’s degree in Applied Positive Psychology from the University of Pennsylvania and is a Master Certified Coach with the International Coaching Federation.

Gretchen’s core philosophy – “We’re not infinite, but we are renewable” – is transforming how leaders approach their work, their teams, and themselves.

DJ Seeterlin
Chesapeake Bank

DJ is Chief Innovation and Strategy Officer of Chesapeake Bank, a Virginia-based community bank that offers merchant acquiring sponsorship and accounts receivable lending solutions directly and through bank partnerships. At Chesapeake he leads long-term strategy, fintech investment, AI strategy, and emerging payments innovation. He has held several leadership roles at the bank, including CIO and President of national payments business.

He is a co-founder and board member of Rebolt Financial Technologies, a payments company built by banks to deliver payment solutions for banks and their business customers.

DJ serves on numerous industry boards and advisory groups, including as past chair of the ABA Core Platforms Committee and ABA Payments Committee, and member of the Jack Henry Payments Advisory Board and Jack Henry Platform Advisory Board. Additionally, DJ is a faculty member of the Virginia Bankers Association Management Development Program, where he teaches AI, business strategy, and leadership.

Brittany Stern
CliftonLarsonAllen 

Brittany has spent more than fifteen years helping financial institutions navigate the complexities of audit and accounting. She has planned, managed, and led financial statement audits for institutions of all sizes, including those crossing and exceeding $10 billion in total assets. Beyond audits, Brittany brings deep experience in evaluating allowance for credit loss models, strengthening internal controls, and guiding institutions through a wide range of other complexities.

Session Materials

Special Needs & Americans with Disabilities Notice

Please share any specific needs that should be considered as we plan for the conference (i.e. hearing impaired, sight impaired, etc). Please contact Michele Dunn with any details.

Attendee Roster

Click here to download the 2026 Lending & Credit Conference attendee roster.

Hotel Information

Williamsburg Lodge
310 S England St
Williamsburg, VA 23185

Parking

Attendees spending the night at the hotel will receive a parking pass upon check-in. Parking for overnight guests will be reduced to $15/night (normally $25).  For attendees not staying at the Lodge, will pay using the hotel’s parking app. Directions for using the app and current rates are displayed in the parking area.

Thank You to Our Conference Sponsors!

 

Abrigo
Malosi Pa’u, Relationship Manager
malosi.pau@abrigo.com | (609) 836-2926
www.abrigo.com

Abrigo helps community banks improve lending efficiency, make stronger credit decisions, manage risk, and support sustainable growth. Its Lending & Credit solutions support the loan process from application and origination through underwriting, credit analysis, and loan administration. Financial institutions trust Abrigo because it pairs technology built for banking with practical expertise and an ongoing partnership. With AI embedded in Sageworks LOS and APX Agentic Lending, Abrigo helps reduce manual work and gives bankers more time to focus on borrowers, relationships, and communities.
VBA Endorsed Provider

 

AKUVO
Geoff Foytack, VP Sales
gfoytack@akuvo.com | (610) 389-0311
https://www.akuvo.com/

AKUVO is an AI-driven technology company helping financial institutions improve collections, recovery, credit risk, and portfolio performance. At the core of the company’s offerings is the AKUVO Platform, a proven foundation for collections and recovery operations, account-holder engagement, and financial performance. The Platform combines artificial intelligence, predictive analytics, automation, digital strategies, and data-driven insights to help banks identify risk earlier, prioritize actions, improve efficiency, and drive better outcomes.

 

BHG Financial
Jim Crawford, EVP, Institutional Sales/BHG Board Member
jim@bhg-inc.com | (315) 415-9511
https://bhginstitutionalnetwork.com/VA

BHG Financial is transforming the financial industry; leveraging the power of data, analytics, and the creator of the largest community bank network in the country. Since 2001, BHG has originated more than $19 billion in loan solutions to top-quality borrowers, which community and midsize banks can purchase via the BHG Loan Hub.com

 

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Bloom Credit
Ryan Swift, Senior Sales Executive
ryan.swift@bloomcredit.io | (202) 251-2400
https://bloomcredit.io/

Bloom+ enables banks to furnish recurring, verified transaction data — such as rent, utilities, and telecom payments — to the credit bureaus in a seamless, compliant, and scalable way. This helps banks differentiate their checking accounts, drive deposits and loyalty, support CRA goals, and grow interchange income. As a white-label solution that integrates directly into a bank’s digital ecosystem, Bloom+ lets banks offer their customers a powerful credit-building experience that also drives meaningful return on investment.

 

Brown, Edwards & Co.
Alan Landes, Partner
alandes@BECPAS.com | (540) 246-3366
https://becpas.com/industries/community-banking/

Brown Edwards’ financial institution professional services help management improve procedures, manage risk exposure, and enhance earnings. As a top 70 firm with over 50 years of banking experience, their team will design a specific program for your organization’s needs while providing best practices and cost-effective outsourced services. They provide a full range of services including internal audits, compliance and regulatory audits, SOX/FDICIA assessments, information technology audits, loan reviews, financial statement audits, and model validations.

 

C8 Network Capital
Lisa Mercurio, Director, Partner Relations
lmercurio@c8Network.com | (203) 803-0750
https://c8network.com/

C8 Capital Network is the banking industry’s commercial lending network, owned by participating state bankers associations and built to give member banks more ways to serve customers, manage lending capacity, and pursue new business. The network connects banks nationwide to one another, vetted private capital providers, and commercial lending opportunities. Through C8, banks can refer financing requests that fall outside their lending criteria while maintaining the customer relationship, share and receive commercial loan participations beyond their existing networks, and access qualified lending opportunities matched to their credit criteria. There’s no cost to activate, no technology to install, and no minimum activity required. Banks choose which capabilities they use and when.
MBA|VBA Partner

 

College Ave
Brian Reed, Head of Partnerships
breed@collegeave.com | (610) 620-4322
www.collegeave.com/partner

College Ave is a private student loan provider that offers undergraduate, graduate, and parent loans, as well as refinance options. They offer multiple loan options with flexible repayment terms, including competitive interest rates, and features like instant credit decision, a simple, 3-minute application process, no application or origination fee, autopay discount, and best-in-class customer service. College Ave also offers a student loan referral program to assist banks in meeting the higher education financing needs of their customers and generate referral fees while avoiding lending and loan administration.
VBA Endorsed Provider

 

Community Bankers’ Bank  
Jay McNamara, Vice President, Regional Manager
jmcnamara@cbbonline.com | (804) 495-6465
www.cbbonline.com

Community Bankers’ Bank is a State-Chartered Fed Member bankers’ bank, owned and directed by independent community banks in the Fifth Federal Reserve District and contiguous states. It gives community banks unique and outstanding value through the economies of scale it creates as a bank partner, never a competitor. It provides the products and services that banks need to operate and excel. CBB’s competitive pricing and superior service make it a vital resource for community banks.

 

Confluent Strategies, your Equifax Sales Agent
Amy Cardona, Relationship Manager
acardona@confluentstrategies.com | (757) 353-5552
https://confluentstrategies.com/

Confluent Strategies is proud to represent Equifax to nearly 3,000 unique partners in 12 states. They serve their partners by combining Equifax’s position as the global market leader for consumer, commercial, mortgage, and employment data and solutions with their unique know-how to deliver effective solutions, knowledgeable consultations, and actionable insights.

 

CoStar Debt Solutions
Anshu Nidamanuri, Account Executive
anidamanuri@costar.com | (804) 629-7692
https://www.costar.com/products/debt-solutions

CoStar Debt Solutions, formerly known as CoStar for Lenders provides comprehensive data, analytics, and risk management tools for commercial real estate (CRE) lenders.

 

CRS Data
Alwyn Staley, Partner
abstaley@crsdata.com | (800) 374-7488 ext 150
www.crsdata.com

For over 30 years, CRS Data has been dedicated to delivering powerful, accurate property data backed by superior customer service. Their Financial Suite product is tailored made for financial institutions. Offering public tax records, sales and mortgage histories, property comparables, warranty deeds, interactive GIS plat maps, area demographics. CRS helps banks manage their commercial loan portfolio generate non-interest income and manage risk. They offer the power of clear and current property information to help you generate income and make sound decisions.

 

DCMI Mid Atlantic Inc.
Valerie Dempsey Riccardi, President
office@dcmima.com | (855) 383-3264
www.dcmima.com

DCMI Mid-Atlantic Inc. is a real estate due diligence consulting firm specializing in the comprehensive assessment of existing real estate and new construction. Their services include property condition surveys, environmental assessments, detailed cost analysis, progress monitoring inspections, construction management, and owner representation on commercial, multi-family, single-family residential, and land development projects. DCMI is a WBENC and SWaM-certified Class A Contractor serving national lenders and community banks throughout the Mid-Atlantic region.

 

Decipher Credit
www.deciphercredit.com

Decipher’s AI-powered platform streamlines commercial lending from origination and underwriting through credit approvals and monitoring. Banks can use individual capabilities or the complete platform, including document automation, financial and tax spreading, cash flow analysis, credit memos, and configurable workflows, to reduce manual work while retaining control of every credit decision.

 

Export-Import Bank of the United States (EXIM)
Mark Klein, Managing Director, Lender Accounts
mark.klein@exim.gov | (312) 375-1883
https://www.exim.gov/

The Export-Import Bank of the United States (EXIM) is a federal agency that helps U.S. businesses compete globally. Through its Community Lender Enhancement Initiative, EXIM makes it easier for community banks to offer export financing, serve business customers with international opportunities, and expand lending capabilities without requiring specialized export finance expertise.

 

FHLBank Atlanta
Dan Brenton, Senior Relationship Manager
dbrenton@fhlbatl.com | (404) 888-8547
https://corp.fhlbatl.com/

FHLBank Atlanta is a cooperative bank that offers competitively priced financing, community development grants, and other banking services that help financial institutions and their communities grow and prosper.

 

Investors Title Insurance Co.
Norma Carroll, Vice President-Multi State Marketing
ncarroll@invtitle.com | (865) 384-7846
www.invtitle.com

Founded in 1972, domiciled in North Carolina. Licensed in 45 states plus the District of Columbia. As of September 1, 2025 Investors Title Company and its subsidiaries had 696 employees in 14 states. Publicly traded on NASDAQ under the symbol ITIC. AM Best Rating: A(Excellent) and Demotech A”(A Double Prime) Investors Title has partnered with lenders for 53 years.
VBA Endorsed Provider

 

Multi-State Title Agencies:
Virginia Title Center, LLC
Bobby Fothergill, Vice President/Agency Manager
bfothergill@virginiatitlecenter.com | (800) 468-5811
www.virginiatitlecenter.com

Bankers Title Shenandoah, LLC
Butch Rutherford, Vice President/Agency Manager
brutherford@bankerstitleshenandoah.com | (888) 437-9560
www.bankerstitleshenandoah.com

Bankers Title, LLC
Regina Sobey, Business Development Officer 
rsobey@bankerstitle.com | (800) 830-1414
www.bankerstitle.com

VBA Management Services, Inc. provides management for 4 multi-bank owned title insurance agencies. Member banks earn income in the form of dividends based on their share of ownership. Over $70 million has been distributed to owner banks since 1993. The VBA works closely with Investors Title Insurance Company in Chapel Hill, NC, a company committed to the distribution of title insurance through agencies owned by financial institutions. Their dedication to banks and their superior financial ratings have earned the confidence and trust of the VBA and many of its members. With over 30 years experience, the VBA has helped more than 150 banks and six state banker associations become involved in the sale of title insurance.

 

Motleys Asset Disposition Group/Fortis Foreclosure Services
Mark Motley, CEO & Auctioneer
mmotley@motleys.com | 
https://www.motleys.com/bankers-5




 

 

PCBB
Dennis Falk, SVP, Regional Manager
dfalk@pcbb.com | (888) 399-1930
www.pcbb.com

PCBB believes in the power of local financial institutions to be the catalyst of small business growth and to enable communities to thrive. Their talented team is committed to providing not only the tools and knowledge their customers need to serve their clients, but also the partnership and trust they deserve. With a robust suite of competitive services, PCBB helps community financial institutions maximize revenue, increase efficiency, and manage risk.

 

S&P Global Market Intelligence
Maureen McKenna, Head of Partnerships and Business Development
maureen.mckenna@spglobal.com | (540) 421-6189
www.spglobal.com/market-intelligence/en/industries/u-s-community-banks

In 2016, SNL Financial and S&P Capital IQ joined forces as S&P Global Market Intelligence to deliver the most sector-specific, comprehensive and reliable intelligence in the industry. For community banks, they offer solutions to help you evaluate market opportunities, manage risk and maximize performance. Leverage your internal data as an asset with S&P Global Market Intelligence’s SNL Banker solution, an internal reporting tool for banks. 
MBA Preferred Provider | VBA Endorsed Provider

 

ServisFirst
Caroline Yates, Assistant Vice President, Correspondent Relationship Manager
CYates@servisfirstbank.com | 334.301.9449
www.servisfirstbank.com

ServisFirst Bank is a $18B bank based in Birmingham, Alabama with a full service correspondent division serving over 400 banks in the southeast. Their agent credit card program is endorsed by the VBA and the MBA. 
MBA Preferred Provider | VBA Endorsed Provider

 

SouthState Correspondent Division
Charlie Winborne, SVP, Business Development
cwinborne@southstatebank.com | (704) 607-4737
southstatecorrespondent.com/

SouthState Correspondent Division partners with community banks nationwide on capital markets, hedging, and payment services and combines deep financial acumen with relationship management and risk assessment.

 

Spotts Fain
Robert Chappell, Attorney, Shareholder
rchappell@spottsfain.com | (804) 697-2000
www.spottsfain.com

Spotts Fain is a Virginia law firm built on a culture of treating their clients fairly, with a focused and firm commitment to representing their clients with strength and integrity. Established in 1988, they offer expertise in creditors/debtors right and bankruptcy, business law, real estate law, litigation, intellectual property, employment law, health care law and more for large and small businesses in Virginia and beyond.

 

Tranzon Key
Bill Londrey, President
blondrey@tranzon.com | (804) 513-0544
www.tranzon.com

For over 25 years Tranzon Key has been selling real estate for banks through competitive-bid processes. Tranzon Key maximizes value by identifying then targeting relevant buyer vertical markets. Rather than simply making offers, buyers compete in an organized, competitive bidding forum for the right to own the property they desire. This process inherently allows maximum market value to be achieved.

 

Vericast
Robert Stephens, Account Executive
robert.stephens@vericast.com | (512) 293-5661
Vericast.com

Vericast, formerly Harland Clarke Holdings, is a leading marketing solutions company that helps businesses across many industry verticals connect with consumers through data, analytics, and a broad portfolio of digital and print solutions. They help businesses understand, engage, grow and retain customers. Every day, they influence the consumer purchasing and transaction behavior of more than 120 million households – impacting where people eat, shop, buy, save, and borrow. It’s crucial to maximize every engagement tool at your disposal to drive brand awareness and revenue. With a full suite of services designed to engage customers including, Check Solutions, Card Solutions, Customer & Employee Insight, Customer Change Management and Acquisition and Retention, Vericast solutions combine superior service and deep experience to build a program tailored to your goals and brand strategy.

 

Virginia Small Business Financing Authority
Karen White, Regional Lending Manager
karen.white@sbsd.virginia.gov | (804) 715-7308
https://sbsd.virginia.gov/virginia-small-business-financing-authority/vsbfa-programs-eligiblity/

The Virginia Small Business Financing Authority (VSBFA) is the Commonwealth of Virginia’s business and economic development financing arm, offering a variety of financing opportunities for small businesses.

 

 Questions? Contact Amy Binns.