Wednesday, October 16, 2024

6:00 p.m. Welcome Reception 
SPONSORED BY: College Ave

Thursday, October 17, 2024

7:30 – 8:15 a.m.  Registration | Continental Breakfast
REGISTRATION SPONSORED BY: Abrigo

8:15 – 8:30 a.m. Welcome Announcements & Sponsor Introductions

8:30 – 9:30 a.m.  CRE in the Spotlight for US Banks as Credit Quality Weakens Zain Tariq & Chris Hudgins | FIG Research – S&P Global Market Intelligence

Deposits remain precious as rates remain higher for longer, keeping pressure on net interest margins. Meanwhile, credit costs continue to rise off a low base, particularly in banks’ commercial real estate portfolios, which have faced greater scrutiny from the regulators and served as a headwind to future growth. This session will highlight key trends facing banks, share an outlook for profitability, loan growth, and credit quality particularly in the CRE space, and outline how banks are responding to shifts in the competitive and regulatory landscape.

9:30 – 10:15 a.m. C&I Lending Best Practices Robert Viering | RiverPointUSA

For many banks the market for CRE loans has slowed. This has prompted many community banks to seek other lending opportunities. C&I lending is a natural alternative for CRE lending as it offers opportunities in your own market often where you probably already know the principals of the economy. However, it’s not that simple…

Often C&I are often underwritten and managed similarly to CRE loans, even though C&I have unique characteristics, differing in purpose, collateral, and repayment source(s). It is important to understand the borrower’s industry, their cash-flow cycle, how accounting decisions can impact your analysis, and the type of information needed for proper assessment. In this session we will focus on the differences between underwriting and managing C&I loans compared to CRE loans. We will touch on understanding the industries your borrowers operate in, important underwriting considerations, successfully monitoring C&I loans, the regulatory expectations for C&I loans as well as the cultural changes necessary to be a successful C&I bank.

10:15 – 10:30 a.m.  Networking Break                              

10:30 – 11:15 a.m. C&I Lending Panel

• Moderator: Robert Viering | RiverPointUSA
• Panelists: Penny Bladich | Old Dominion National Bank; Don Buckless | Old Point National Bank; Ray Knott | Blue Ridge Bank; Marcus Perry | Sandy Spring Bank

11:15 a.m. – 12:15 p.m. AI & Lending – Where Do They Intersect? Sriram Tirunellayi | Abrigo

Artificial intelligence is rapidly reshaping the banking landscape, particularly in lending, where its potential to enhance decision-making, reduce operational costs, and improve customer satisfaction is gaining traction. In order to maximize the potential of AI, it is essential for organizations to approach it thoughtfully, with strong emphasis on fairness, transparency, and compliance. In this session, you will learn about the landscape for integrating both Predictive AI and Generative AI throughout the entire lending process. We will also discuss key considerations and approaches that banks can take as they balance innovation and technological advancements with principles of fairness and regulatory compliance.

12:15 – 1:10 p.m. Lunch
SPONSORED BY: SpottsFain

1:10 – 1:55 p.m. Exhibitor Speed Dating

This 45-minute session provides an opportunity to meet with exhibitors, learn more about their solutions AND win prizes! Bankers will come in and select a seat at a designated table. Each round will be three minutes where the vendor will provide an overview of their solutions. At the sound of the buzzer, the vendor will move to the next table of bankers and present to that group. Gift card prizes will be drawn between each round and bankers MUST be present to win. 

2:00 – 3:00 p.m.  Small Business Owner Panel Discussion

• Moderator: Phil Quintana | Burke & Herbert Bank
• Panelists: Melissa Ball | Ball Office Products; Jeff Foster | Foster Heating & Plumbing; Steve Rosser | Gelati Celesti

3:00 – 3:20 p.m. Networking Break

3:20 – 3:50 p.m. Industry Update Bruce Whitehurst | Virginia Bankers Association & Mid-Atlantic Bankers Association

3:50 – 4:00 p.m.  Stretch Break

4:00 – 5:00 p.m. Roundtable Session Bankers Only

5:00 – 6:00 p.m.  Cocktail Reception 
SPONSORED BY: Dudley Resources

Dinner is on your own.  Enjoy your evening!      

Friday, October 18, 2024

8:00 a.m. Continental Breakfast
SPONSORED BY: FHLBank Atlanta

8:30 – 8:35 a.m.  Announcements

8:35 – 9:25 a.m. Economic Update Ryan Price | Virginia REALTORS®

9:25 – 10:25 a.m. Commercial Credit: How to Grow Loans and Manage Credit Risk in Uncertain Times David Ruffin | IntelliCredit

In this session, David will share crucial insights into navigating the complexities of lending and credit risk management including a comprehensive analysis of current credit metrics, highlighting potential trouble spots and guiding bankers on how to identify and target optimal loan growth opportunities while avoiding risks in more challenged industries. He will also discuss the importance of staying ahead of heightened regulatory scrutiny and fine-tuning risk management protocols for increased effectiveness. Attendees will leave the session equipped with practical strategies to enhance their lending practices and better manage credit risk in today’s unpredictable economic landscape.

10:25 – 10:40 a.m. Networking Break

10:40 – 10:55 a.m. Sponsor Drawings

10:55 – 11:55 a.m. Closing Keynote: Secret Sauce for Organizational Success
Melissa Furman, PhD, Career Potential, LLC
SPONSORED BY: Tranzon Key

Banking leaders are navigating unique challenges as it relates to diversity, disruption, and workforce engagement. A common foundational denominator to successfully navigate these challenges are trust, respect, and accountability. This session will provide practical strategies to assess and develop trust, respect, and accountability to maximize success.

11:55 a.m.  Conference Adjourns

*Speakers and topics are subject to change

Melissa Ball | Ball Office Products

​Bio coming soon!

Penny Bladich, Executive Vice President, Chief Lending Officer
Old Dominion National Bank

Responsible for leading and directing all aspects of commercial lending activities for the Bank.  Working with a team of seasoned bankers, with a focus on commercial real estate lending, as well as non-profit, government contracting, professional services and healthcare lending, she ensures the Bank’s growth and financial results are achieved, while meeting the needs of commercial clients and the requirements of regulators to maintain a safe and sound commercial loan portfolio. 

Penny has 23 years of commercial banking experience.  Prior to joining ODNB in 2017, Penny served as Senior Vice President and Market Executive for Cardinal Bank where she was responsible for the business development efforts of a team of commercial lenders, business development officers and branch managers, while managing a sizable commercial loan portfolio. Prior to joining Cardinal in 2008, Penny’s banking career has included positions as a Vice President and Commercial Lender for BB&T and a Vice President and Commercial Real Estate Lender for TIB Bank. Before entering the banking industry, she worked for a leading global alternative investment management firm with a focus on high-net-worth families and for one of Florida’s largest privately-owned development companies.

Committed to the community, Penny currently serves on the Board of Directors for the PGA Reach Middle Atlantic Section, is a current Board member and Past Board Chair for Medical Care for Children Partnership Foundation and a member of the Virginia Banker’s Association Lending Executives Committee. Additionally, she is active in various chambers, networking and civic organizations in the Northern Virginia and DC Metro region.

Penny holds a Bachelor’s of Science in Marketing from the Lutgert College of Business at Florida Gulf Coast University, is a graduate of The Virginia Banker’s Association School of Bank Management, has completed the Bank Executive Leadership Program at the University of Virginia, Darden School of Business and is a Leadership Fairfax graduate (Class of 2012).

Don Buckless | Old Point National Bank

​Bio coming soon!

Melissa Furman, PhD, President & Founder
Career Potential, LLC

Dr. Melissa Furman has a rich academic background through studying business, counseling, and psychology and serving as the assistant dean at the James M. Hull College of Business at Augusta University. She also served as a faculty member at multiple esteemed universities including Johns Hopkins, Emory, UNC-Chapel Hill and Georgia Tech before hitting the streets to share her expertise. Throughout her experience, Melissa uncovered her true passion for impacting others through workforce, leadership and professional development resulting in the launch of Career Potential, a speaking, consulting, training, and coaching organization. Dr. Melissa Furman is recognized as a developmental expert who combines her credentials, 20 years of leadership experience, and results-driven approach to cultivate genuine connections with her audiences and clients.

Chris Hudgins, Research Analyst
FIG Research – S&P Global Market Intelligence

Chris Hudgins is a research analyst for the FIG Research offering of S&P Global Market Intelligence, with a focus on real estate. His primary responsibilities include analyzing the publicly traded real estate investment trusts, or REITs, and has published a myriad of research on the sector over the past eight years. Special interest within his coverage includes research on valuation trends, dividend payments, tenant compositions and capital markets activity. Chris graduated with a bachelor’s degree in industrial and systems engineering from Virginia Tech.

Ray Knott | Blue Ridge Bank

Bio coming soon!

Marcus Perry, Senior Vice President and Regional Sales Manager
Sandy Spring Bank

Marcus Perry has been with Sandy Spring Bank since 2012 and is a Senior Vice President and Regional Sales Manager for the bank’s commercial division in Virginia and DC. He manages a team of 18 relationship managers in VA & DC focusing on financial services for operating companies in the area.  He has had a successful banking career for over 30 years, working in multiple facets of banking from retail to commercial and executive management at banks in the DMV. He is a graduate of George Mason University with a BA in Government and Politics in 1993 and an MBA in 2000.  He is also a graduate of the ABA Stonier Banking School at Wharton in 2008.  Mr. Perry lives in Loudoun County on a small family farm with his wife and 5 kids.  He has been actively involved in community organizations, serving on various boards over his career, and he enjoys hiking and playing golf in his free time. Sandy Spring Bank is a $14 billion community bank, headquartered in Olney MD.  The bank is celebrating its 156 anniversary this year, with 55 branches in the DMV.  

Ryan Price, Chief Economist
Virginia REALTORS®

Ryan’s research focuses on housing market trends in Virginia, and the economic and demographic factors that move the market. Ryan currently serves as the Chief Economist for Virginia REALTORS®, Virginia’s largest trade association. Prior to joining Virginia REALTORS®, he served as the President of research consulting firm LSA Planning, as an Urban Planner for the City of Alexandria, as a researcher at the Center for Regional Analysis at George Mason University, and as a Financial Analyst at Freddie Mac. Ryan received a master’s degree in urban and regional planning from Virginia Tech, and a bachelor’s degree in finance from James Madison University.

Phil Quintana, Regional President
Burke & Herbert Bank

Phil is the Regional President at Burke and Herbert Bank. He has over 25 years of banking, finance, and leadership experience, covering markets in the Northeast, Mid-Atlantic, Southeast and North Texas.He is directly responsible for the Commercial Real Estate Banking, Middle Market Banking and Portfolio Management lines of business.

Phil holds a Master of Business Administration (Total Quality Management) from Dowling College, a Bachelors Degree (Finance) from Dowling College, completed the Consumer Bankers Association – Executive Banking School and completing a post-graduate certificate program in Accounting from the University of Virginia. He lives in Northern VA with his wife Karri and two sons.

Steve Rosser, Owner
Gelati Celesti Ice Cream

Steve Rosser and his family are the owners of Gelati Celesti Ice Cream, a Richmond-based company with a total of 10 retail locations in Richmond and Hampton Roads.  Steve and his wife, Kim, purchased the one store company in 2010 and have expanded it significantly over the years. Prior to the wonderful world of making and retailing ice cream, Steve held senior level roles in large corporations.   While he is a Richmond native, corporate assignments had him in Los Angeles, Seattle, Dallas and metro New York.  He’s really happy to be back in Richmond!

Steve and Kim have two grown children (Tom and Suzy) that have both joined Gelati Celesti to continue the family vision to bring joy to our local communities.  Steve is involved in various business and non-profit organizations including serving as the John Marshall High School golf coach.  Ice cream and golf; what could be better! 

David Ruffin, Principal
IntelliCredit®

David’s extensive experience in the financial industry includes an emphasis on credit risk in a variety of roles that range from bank lender and senior credit officer to the co-founder of IntelliCredit and its technology that is revolutionizing a decades-old loan review process. David was also a co-founder of the successful Credit Risk Management, LLC consultancy and professor at several banking schools. A prolific publisher of credit-focused articles, he is a frequent speaker at national and state trade association forums, where he shares insights gained helping lending institutions evaluate credit risk—in both its transactional form as well as the risk associated with portfolios based on a more emergent macro strategy. Over the course of decades, he has led teams providing thousands of loan reviews and performed hundreds of due diligence engagements focused on M&A and capital raising. David holds a B.A. from the University of North Carolina-Chapel Hill, a M.S. from East Carolina University and multiple degrees from the American Bankers Association’s graduate lending schools.

Steve Rosser | Gelati Celesti

Bio coming soon!

Zain Tariq, Senior Analyst
FIG Research – S&P Global Market Intelligence

Zain Tariq is a senior analyst for the FIG Research offering of S&P Global Market Intelligence. He has covered the banking space for ten years including regulatory changes, financial trends, branch footprints, M&A, and more. He aims to provide unique and differentiated insights analyzing historical trends, current environment, and future outlook. In addition to producing data-driven content, Zain has hosted multiple webinars, spoken at events, and moderated discussions on various trends in the banking industry. Zain won a silver regional Azbee award in 2020 issued by the American Society of Business Publication for best investigative journalism. Prior to joining S&P, Zain collected experience as a finance officer and accountant for multiple organizations. Zain completed his ACCA in 2018. In addition to the ACCA, he completed BSc (Hons) in Applied Accounting from Oxford Brookes University in 2011 and MSc in Finance from BPP Business School in 2013.

Sriram Tirunellayi, Director of Applied AI
Abrigo

Sri is a results-oriented data and analytics executive with extensive experience and a record of developing innovative AI products and delivering substantial profit growth through advanced analytics, AI and process automation. He has broad-based experience in Startups as well as Fortune 500 companies, with expertise in Banking and Lending, Payments and Fintech. Sri is currently Director of Applied AI at Abrigo and is responsible for driving AI product strategy and innovation, helping banks and financial institutions manage risk and drive growth.  Sri loves interacting with customers to understand their needs and is always keen to identify newer ways to unlock value and showcase possibilities through the creative use of AI. Sri is based in Atlanta, and is active in the AI, Technology and Data Analytics communities.

Robert Viering, Principal
RiverPointUSA

Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee. In addition, Bob is a nationally recognized expert providing training on credit and management topics and as an expert witness in Federal and State courts.

Prior to becoming a consultant, Bob was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Bob held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.

Bob is a native Illinoisan and a graduate of the University of Illinois. He resides in suburban Chicago near his daughters and their families. When not spoiling his grandchildren he can be found rehabbing his home, traveling and taking naps.

Bruce Whitehurst
President & CEO | Virginia Bankers Association & 
​President & CEO | Mid-Atlantic Bankers Association

Following a 10-year career in retail and commercial banking, Bruce joined the Virginia Bankers Association in 1993, its 100th anniversary year. He has served as president and chief executive officer of the association since 2007 and was previously executive vice president. Bruce also serves as president and chief executive officer of the Mid-Atlantic Bankers Association, which was formed in July 2024 to combine the Maryland Bankers Association’s and VBA’s organizations and operations. While at the VBA, Bruce has worked with member banks in a variety of areas, to include government relations, education and training, financial literacy, and partnering with banks in a number of innovative ways to help them enter new lines of business. He also speaks about and on behalf of the industry on a regular basis. As a banking industry advocate, Bruce is active at the national level. He served on the American Bankers Association’s Regulatory Reform Task Force during the 2008-2009 financial crisis and served as an ABA Board member and chairman of the Alliance of State Bankers Associations in 2012-2013. He has also served on several other committees and councils at the national level. Committed to serving his community, Bruce is a director of and has chaired United Methodist Family Services in Richmond, VA and the Virginia Council on Economic Education. Bruce received his Bachelor of Arts degree from the College of William & Mary, his MBA from the University of Richmond and is a graduate of the Virginia Bankers School of Bank Management.

Materials will be added as they are available.  

Please Note: All session materials are password protected. The password for the presentations listed below is: Lending&Credit2024 (no spaces/case sensitive).

• CRE in the Spotlight for US Banks as Credit Quality Weakens Zain Tariq & Chris Hudgins | S&P Global Market Intelligence
• C&I Lending Best Practices Robert Viering | RiverPointUSA
  • ​C&I Lending Additional Resources - Part 1: Includes: Assessing Risk Using ChatGPT; Collateral Considerations; Sample Analysis Checklist; Sample Industry Analysis Using ChatGPT; Sample Risk Based Monitoring Plan; Typical Loan Types; Understanding Segments Accounting Practices.

Click here to see the latest list of attendees.

Abrigo
Malosi Pa’u, Lending & Credit, Portfolio Risk
malosi.pau@abrigo.com | (609) 836-2926
www.abrigo.com

Abrigo is a leading technology provider of compliance, credit risk, lending, and asset/liability management solutions that community financial institutions use to manage risk and drive growth. From loan application to credit underwriting to loan administration, Abrigo’s fully integrated lending and credit risk solutions allow your bank to streamline its origination process and ongoing customer management. With Abrigo’s Portfolio Risk Solution, you can manage portfolio-wide risk automatically with one-time data entry and robust frameworks that make it easy to gain maximum operational efficiency by connecting stress testing, expected losses, assets/liability modeling, and more. Their software automates key processes empowering our customers by addressing their Enterprise Risk Management needs. 
MBA Preferred Provider | VBA Endorsed Provider

Addison Clark
Andrew Rountree, Managing Partner
andrew@addisonclarkonline.com | (804) 864-9190
addisonclarkonline.com

As a full-service marketing agency, you won’t find one-size-fits-all solutions here. By taking the time to understand your business, they can tailor their marketing services to your specific needs. Their collaborative team of experts uses a data-driven approach to find solutions that will produce measurable results for your business.

BHG Financial
Jim Crawford, EVP, Institutional Sales/BHG Board Member
jim@bhg-inc.com | (315) 415.9511
bhgfinancial.com

 

Brown, Edwards & Company L.L.P.
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, reduce risk exposure, and improve earnings. With over 40 years of banking experience, their team will design a tailored service solution for your organization’s needs while providing best practices and cost-effective outsourced services. In addition to specializing in loan review/credit stress testing, CECL model validations, and related compliance consulting, Brown Edwards offers a complete scope of internal and external audit services, as well as ICFR/SOX assessments and regulatory compliance services.

Built Technologies
Travis Haney, Senior Account Manager
travis.haney@getbuilt.com
getbuilt.com/

Built’s real estate finance technology delivers connectivity and transparency to nearly half of the top 100 construction Lenders in the U.S. By making it simple to connect and do business in real estate on a single platform, Built enables increased efficiency, collaboration, transparency, and business agility—allowing customers to build and manage the communities around us more profitably, and with greater confidence.

Business Finance Group
Rick Frank, President & CEO
rfrank@businessfinancegroup.org | (703) 667-5057
www.businessfinancegroup.org

Business Finance Group, Inc. is a U.S. Small Business Administration Certified Development Company (CDC) with territorial responsibilities in Virginia, Maryland, West Virginia and D.C.. Business Finance Group specializes in 504 lending, an economic development fixed asset financing program of the U.S. Small Business Administration. Business Finance Group, Inc., one of the top 20 CDCs in loan approvals the United States, is the largest 504 provider in the Mid-Atlantic region, with over $5 billion in projects supported since its inception in 1981 and job creation and retention exceeding 45,000 for those projects. Business Finance Group has procured more 504 loan approvals for Virginia projects than any other CDC since the 504 program was introduced in the early 1980’s.

College Ave
Martha Haveles, Partner Sales
mhaveles@collegeave.com | (617) 820-1623
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.

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.  
Val Riccardi, Principal
val@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.

DDI Technology
Tammy Webster, TRS Account Manager
tammy.webster@dditechnology.com | (803) 587-3248
www.dditechnology.com

DDI Technology provides a complete automotive titling suite for lenders nationwide. Premier eTitleLien® enables your Loan Operations team to streamline processes, improve reporting and manage exceptions within a simple, user-friendly application. DDI Technology can assist you in 50 states from title application to lien release while providing exceptional customer service.
VBA Endorsed Provider​

Dudley Resources  
Chip Jones, Senior Advisor
cjones@dudleyresources.com | (804) 873-8593
www.DudleyResources.com 

Dudley Resources provides Flexible Remarketing Solutions, empowering clients with the ability to put the focus back on banking. Their firm offers over 40 years of experience supporting Regional Banks and Institutional Sellers with asset management services and programs which enable their clients to achieve maximum values across an array of asset classes. Their services include A/R collection servicing and purchasing, Senior Accredited (ASA) approved appraisals, online and simulcast auctions for real estate, machinery & equipment, vehicles and all business assets, proprietary surge pricing platforms, trustee & repo services, foreclosure sales, note sales, and buyout options. Equipped with industry leading technology, knowledge, and experience to provide the best customer service in the business. Dudley Resources….a resource to banks offering dependable and reliable results for all your asset remarketing needs.

FHLBank Atlanta
Dan Brenton, Senior Relationship Manager
dbrenton@fhlbatl.com | (404) 858-6008
https://corp.fhlbatl.com/

FHLBank Atlanta is a cooperative bank that offers competitively priced financing,
community development grants, and other banking services to help member financial
institutions make affordable home mortgages and provide economic development credit to
neighborhoods and communities.

Investors Title Insurance Company 
Norma Carroll, VP, National Markets
ncarroll@invtitle.com | (865) 384-7846
www.invtitle.com

Investors Title provides a wide range of solutions that include residential and commercial title insurance products, 1031 exchange services, exceptional educational programs, and high quality risk-management resources.
VBA Endorsed Provider

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
Robyn Parker, Vice President/Agency Manager
rparker@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.

PCBB
Dennis Falk, SVP & MidAtlantic Regional Manager
dfalk@pcbb.com | (804) 944-6265
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 robust suite of competitive services helps community financial institutions maximize revenue, increase efficiency, and manage risk.

RA Business Solutions – Your Equifax Sales Agent
Amy Cardona, Vice President of Sales
acardona@retailalliance.com | (757) 455-9387
rabsolution.com

RA Business Solutions (RABS) is the exclusive Equifax Sales Agent for the Mid-Atlantic region. Their client portfolio includes auto dealers, banks, credit unions, finance companies, and real estate companies. The RABS team, working with Equifax, provides industries leading edge consumer insights and analytics, as well as complete consumer, tri-merge, and commercial credit files.

RetirePath Virginia
Selah Depriest, Relationship Marketing Specialist
sdepriest@retirepathva.com | (804) 348-0107
https://www.retirepathva.com/

RetirePath Virginia is revolutionizing retirement savings for thousands of Virginians, offering a brighter and more secure future. Established by state legislation, Virginia’s automatic-enrollment, state-facilitated retirement savings program opened in 2023. It’s a game-changer for private-sector workers in every corner of the Commonwealth. RetirePath participation is mandatory for certain Virginia employers. Fortunately, the program is designed with simplicity in mind. There are no employer fees, fiduciary responsibilities, or complex administrative burdens.

S&P Global Market Intelligence
Ryan Chakalos, Relationship Manager, Sales Strategy & Financial Partnerships
ryan.chakalos@spglobal.com | (434) 234-7608
Maureen McKenna, Head of Partnerships and Business Development
maureen.mckenna@spglobal.com | (540) 421-6189
www.spglobal.com

At S&P Global Market Intelligence, they know that not all information is important—some of it’s vital. They integrate financial and industry data, research and news into analytical tools that help banks track performance, identify investment ideas, understand competitive and industry dynamics, perform valuation, assess credit risk and prospect for new customer relationships.
MBA Preferred Provider | VBA Endorsed Provider

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, Managing Partner
londrey@tranzon.com  | (804) 513-0544
Jeff Stein, Managing Partner
jstein@tranzon.com | (703) 626-7407
www.tranzon.com

Tranzon Key is a full service real estate auction and brokerage firm headquartered in VA. They provide foreclosure and REO assistance for banks and lending institutions throughout the United States. They have been in business for over 30 years and have offices throughout the Commonwealth.

Virginia Housing
Michael Urban, Director of Home Ownership Lending
michael.urban@virginiahousing.com | (804) 343-5982
www.virginiahousing.com

By investing in the power of home, Virginia Housing transforms where and how thousands of Virginians live and thrive, strengthening communities and the economy. Virginia Housing is celebrating its 50th year of working in partnership with the public and private sectors to help Virginians attain quality, affordable housing. While receiving no state taxpayer dollars, Virginia Housing raises money in capital markets to provide mortgages to first-time homebuyers, invest in developments and innovations in affordable housing, and make homes for people with disabilities and older Virginians more livable. Virginia Housing is committed to diversity, equity and inclusion among its associates, customers and affordable housing partners.

Virginia Small Business Financing Authority
Donald Jacubec, Regional Lending Manager
Northern Virginia, Charlottesville, and counties north of Charlottesville
donald.jacubec@sbsd.virginia.gov | (804) 778-5779

Linda Kay Tackett, Regional Lending Manager
Roanoke, Southwest & Southside Virginia
linda.tackett@sbsd.virginia.gov | (540) 492-0493

Terrance Rogers, Regional Lending Officer
Richmond and Surrounding Counties & Tidewater Area
terrance.rogers@sbsd.virginia.gov | (804) 371-0058

Karen White, Regional Lending Officer
Richmond and Surrounding Counties & Tidewater Area
karen.white@sbsd.virginia.gov | (804) 371-8197
https://sbsd.virginia.gov/

Virginia Small Business Financing Authority (VSBFA) offers direct loans, loans supporting banks, and other investment programs for small businesses. These include:

• Economic Development Loan Fund
• Microloan Program
• Child Care Financing Program
• Cash Collateral Program
• Loan Guaranty Program
• Small Business Investment Grant Fund
• Bond Program

Go Virginia provides funding and grants to entrepreneurs, educators, and developers to spur economic development in the Commonwealth

The Virginia CDFI Fund (formerly the Virginia Small Business Resiliency Fund) provides direct loans to community development financial institutions to fund small businesses, housing development and rehabilitation projects, and community revitalization real estate projects. 

Questions? Contact Amy Binns.