Lending & Credit Conference
Event Portal

Internal Links August 28, 2023 Kristen Reid Amy Binns

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.

Please bookmark this page for easy access during the event!

THANK YOU TO OUR PORTAL SPONSOR, VIRGINIA HOUSING

Since 1972 Virginia Housing has worked to provide quality, affordable housing to Virginians. They offer mortgages, down payment and closing cost assistance and free homebuyer education to first time homebuyers. When it comes to helping you serve your community and meeting CRA requirements, they’re a banker’s best friend!

Frank Webster, Business Development Officer
Email | (804) 762-3078
virginiahousing.com

Agenda

DAY 1 | Monday, October 16, 2023

8:00 – 8:30 a.m. Registration | Continental Breakfast
Breakfast sponsored by Business Finance Group

8:30 – 8:45 a.m. Welcome | Announcements | Sponsor Introductions

8:45 – 9:35 a.m. Economic & Housing Market Update Ryan Price | Virginia REALTORS®

Ryan will share an update on economic and housing market conditions in Virginia. We’ll take a deep-dive into seven key trends that are underway; how they influence the market, and importantly, how these factors could impact the economy and housing market in 2024.

9:35 – 10:35 a.m. Compliance Hot Topics Impacting Lending & Credit Administration Margaret Dolinger, CRCM | TCA

Join Margaret Dolinger as she unpacks compliance topics of utmost interest to bankers in the lending and credit function areas of the bank. Highlights of the session include:

1071 Small Business Rule: Where does the rule stand now, who is impacted, and several points that can impact the lending process, including what you should be doing now
Fair Lending in the world of appraisal and evaluations
Recent inquires by regulators on small business lending in minority tracts
Recent proposals delaying CRA modernization

10:35 – 10:55 a.m. Networking Break

10:55 – 11:55 a.m. Loan Growth Through Technology & Automation – Can Your Institution Handle the Change? Rob Newberry | Abrigo

Is technology the solution to your institution’s performance issues?

One thing the coronavirus pandemic taught us was the importance of technology in our everyday lives. Financial Institutions with the most technology outperformed peers in both loan and deposit growth during the pandemic. However, having technology and effectively implementing it can be quite different responses. In this session we will discuss best practices in implementing technology and automation solutions to the lending side of the shop. We will also tackle change management issues that can derail successful implementation of new technologies at your financial institution and changes on the horizon.

11:55 a.m. – 12:40 p.m. Lunch
Sponsored by Spotts Fain PC

12:40 – 1:25 p.m. Vendor Speed Dating

1:30 – 2:30 p.m. Anatomy of a Banking Crisis Elena Loutskina, PhD | University of Virginia, Darden School of Business

Join Elena Loutskina, PhD as she dives into the anatomy of a bank crisis and the perfect storm that took down SVB

2:30 – 2:50 p.m. Networking Break

2:50 – 3:50 p.m. Workout Strategies Tom Thurmond | Thurmond, Clower & Associates

We will have a general discussion of developing processes to establish, manage and monitor workouts including strategies to avoid lender liability.

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 Motleys Asset Disposition Group/Fortis Foreclosure
Services/Richmond Auto Auction

DAY 2 | Tuesday, October 17, 2023

8:00 – 8:40 a.m. Breakfast
Sponsored by FHLBank Atlanta

8:40 – 8:45 a.m. Announcements

8:45 – 9:15 a.m. Industry & Legal Update DeMarion Johnston | Virginia Bankers Association

9:15 – 10:15 a.m. C&I Lending Panel
Moderator: Rick Frank | Business Finance Group, Inc.
Panelists: Alex Goss | Live Oak Bank
Don Jacubec | Virginia Small Business Financing Authority
Perry Hickman | USDA
Curt Solomon | Business Finance Group, Inc.

10:15 – 10:30 a.m. Networking Break

10:30 – 10:40 a.m. Sponsor Drawings (must be present to win)

10:40 – 11:50 a.m. Stronger Under Pressure Chris Barras | Second Story Partners
Sponsored by Tranzon Key

The radical changes of 2020-2021 disrupted almost every industry. The pressure of these changes showed us what we are made of. In some cases, the pressure crushed us. But other groups were able to adapt to the pressure and thrive. In this talk, we look at what are the qualities of people who can get stronger when they are placed under pressure. Where are we fragile? Where are our teams fragile? And how do we overcome that? This talk helps us identify our own fragility as individuals and as teams and gives us some steps to overcome that fragility. We will also get a few skills that will helps us thrive in whatever is coming next for us.

11:40 a.m. Conference Adjourns

Meet the Speakers

Chris Barras | Second Story Partnership
Speaker
Chris is a leader who has decades of leadership experience in business, non profits and even the church world. He was worked with teams of various sizes and has helped bring the best out of those around him. A talented communicator- Chris pulls from psychology, business, history, and research to engage audiences and help challenge the way they think. Chris does this with a lot of humor and some very straight talk. When Chris isn’t teaching, writing or coaching, he loves to support his three sons with their music and basketball. He also enjoys spending time with his wife Abby of 25 years exploring the city of Richmond or traveling to the fun far away places. Chris loves football, soccer, reading and cooking.

Margaret Dolinger, CRCM | TCA
Compliance Consultant & Fair Lending Specialist
A veteran Virginia banker whose compliance focus centers on the loan side and the many components of Fair Lending, Margaret Dolinger’s ability to analyze credit data, operational processes, branch performance and support fraud investigation research positions her strategically well in the TCA compliance support spectrum. Assigned to TCA’s East Coast regional office in Sykesville, MD but operating from Charlottesville, VA, she primarily assists TCA client banks in the Mid‐Atlantic states, although her extensive banking credentials have led to TCA compliance assignments throughout the country. Prior to joining TCA in 2015, Margaret was a senior auditor I at Union Bank & Trust, in Ruther Glen, VA. Earlier she held a similar position at Virginia Financial Group, which became StellarOne Bank and was acquired in 2014 by Union Bankshares Corp., the Richmond, VA‐based holding company for Union Bank & Trust. She has also has held credit analyst, mortgage quality control and escrow positions – all with a Fair Lending overtone – at banks, mortgage companies and title companies in Virginia. Margaret received her CRCM (Certified Regulatory Compliance Manager) certification in 2014. Outside of work, she is heavily involved in the soccer community with focus on young and special needs soccer players. Other interests include cooking and park adventures. Finally, Margaret is a Star Wars and Marvel geek.

Rick Frank | Business Finance Group, Inc.
President & CEO
Rick Frank is President & CEO of Business Finance Group, Inc., a U.S. Small Business Administration certified development company with territorial responsibilities in Virginia, Maryland, West Virginia and the District of Columbia. 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 the United States, is the largest 504 provider in the Mid-Atlantic region, with over $5 billion in projects
supported since its inception in 1982 and job creation and retention exceeding 45,000 for those projects. Rick is a graduate of Virginia Commonwealth University, the Virginia Bankers School of Bank Management, RMA Commercial Lending School and the Consumer Bankers Association Graduate School of Retail Bank Management. A 35- year commercial banker prior to assuming his current role in 2016, Rick began his professional career with First Virginia Bank and worked for Second Bank and Trust, Virginia Heartland Bank and Virginia Partners Bank. Rick was one of the founding bankers of the VBA Lending Executives Committee and was chairman of that group for several years.

Alex Goss | Live Oak Bank
VP, Small Business Lending
As a loan officer on Live Oak’s small business lending team, Alex joined the bank in 2017. In his current role, Alex specializes in assisting entrepreneurs with their financing needs, such as business acquisitions and expansions. Throughout his career at Live Oak, Alex has worked in a variety of roles across the bank, including as an analyst and underwriter for the small business lending team, as well as supporting business acquisitions, real estate acquisitions and partner buyout transactions across a wide variety of industries. Alex graduated from Clemson University where he received degrees in Management and Parks, Recreation & Tourism Management.

Perry Hickman | USDA
Virginia State Director, Rural Development
Perry M. Hickman started his federal career with USDA Rural Development in April 2008 and has primarily worked in Virginia’s Community Programs Division, helping rural municipalities, non-profit corporations and Tribal entities obtain financial assistance to enhance their ability to provide essential services. Mr. Hickman’s work with the Community Facilities Program later took him to the Rural Development national office in Washington, D.C., where he served as a senior loan specialist and planned numerous partnership events with commercial lenders and private sector partners. Hickman later returned to the state office in Richmond to manage a $750 million portfolio as the Virginia Community Programs Director and was appointed State Director in March of 2022.

Don Jacubec | Virginia Small Business Financing Authority
Regional Lending Manager
Don Jacubec has 30 years of commercial banking experience and over the span of his career has enjoyed working with a variety of businesses including government contractors, trade contactors, C&I, medical practices and commercial investment real estate. Startup companies have also been an interest of his and, at one time, he specialized in medical practice lending and worked with several clients that were able to grow their practices to $25 Million or more. Additionally, he has also worked with clients that required SBA 7a and 504 loans for business expansions, purchases, and startup businesses. Don joined VSBFA for almost two years working with banks, community development financing institutions and directly with small business clients deploying several of our programs.

DeMarion Johnston | Virginia Bankers Association
General Counsel
DeMarion Johnston serves as the General Counsel of the Virginia Bankers Association where she provides legal representation to the Association and its subsidiaries. Prior to joining the VBA, she served as Associate General Counsel in the Office of General Counsel of the Virginia State Corporation Commission advising and representing the Commission and its divisions, primarily the Bureau of Financial Institutions and Bureau of Insurance. She has also worked for a federal banking regulator and in the private practice of law. DeMarion possesses expertise in banking, non-depository financial institutions and services, and insurance, as well as state and federal regulation of those industries.

Elena Loutskina, PhD | University of Virginia, Darden School of Business
Professor of Business Administration and Peter M. Grant II Bicentennial Foundation Chair
Elena Loutskina, Professor of Business Administration and Peter M. Grant II Bicentennial Foundation Chair in Business Administration at University of Virginia, Darden School of Business. Loutskina’s research have addressed topics in consumer finance, mortgage markets, small business lending and regulation of financial intermediaries. Her work has been published in the top academic journals and presented at the Federal Reserve Bank, Federal Reserve Board, International Monetary Fund, European Central Bank and Banque de France. She was a visiting scholar at the Federal Reserve Bank of Cleveland, ECB, and Office of Financial Research, among others. Her research has been cited in the Financial Times, as well as received Best Paper Awards and a number of grants, including from Kauffman Foundation and from Banque de France. She is an award-winning educator and Visting Scholar at a number of global institutions.

Rob Newberry | Abrigo
Senior Advisor
During Rob’s more than 30 years of experience in the financial services industry, including 15 years at Wells Fargo, he has held various strategic leadership roles in finance, servicing, fair lending, pricing strategy, business intelligence, and delivery innovation. Since 2014, Rob has been consulting with financial institution leaders to help them better manage credit risk and institution profitability using intelligence gathered leveraging intuitive loan and deposit pricing models, funding strategies, and stress testing techniques. Rob is a frequent instructor/speaker for the Federal Home Loan Banks, Financial Managers Society, and many state associations, and he is on the faculty of the Graduate School of Banking at the University of Wisconsin-Madison. He has an accounting degree from the University of Northern Iowa and an MBA with a finance emphasis from the University of Iowa.

Ryan Price | Virginia REALTORS®
Chief Economist
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.

Curt Solomon | Business Finance Group, Inc.
Senior Vice President
Curt Solomon is a Senior Vice President and Business Development Officer for Business Finance Group, Inc. 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. is the largest 504 provider in the Mid-Atlantic. As a Business Development Officer, Curt is responsible for providing SBA 504 funding to small businesses throughout the Commonwealth of Virginia. Curt has been involved in SBA 504 lending for over 28 years. Prior to his current position, he served as Vice President and Regional Manager for Empire State Certified Development Corporation in New York (now known as Pursuit), the 3rd largest 504 company in the country. Curt is active with the Risk Management Association (RMA) serving as Past President for the Carolina-Virginia Regional Chapter of RMA in addition to past president of the Richmond and Hampton Roads local RMA chapters. Curt is a graduate of Skidmore College in Saratoga Springs, New York and received his Masters in Business Administration from Union Graduate College in Schenectady, New York. He was named one of the 2008’s Class of “40 under 40” issued by the Business Journal in Albany, New York. This publication recognizes forty leaders under the age of 40 who demonstrate business acumen, leadership skills and community involvement.

P. Thomas Thurmond, Jr. | Thurmond, Clower & Associates
Chairman & CEO
Tom is a retired EVP with Crestar Bank who started his own consulting firm in 1999. He was an instructor for 30 years at the Commercial Lending School at East Carolina and taught Commercial Lending at the VBA School for Bank Management for 9 years. He is a former adjunct professor at CVCC. He has been active in numerous civic organizations and served on the Virginia High School League’s Executive Committee for 10 years.

Session Materials

Conference materials are password protected. To access the presentations below, enter the password L&CConf2023

Hotel & Meeting Space Information

Hotel 24 South
24 Market St
Staunton, VA 24401

The 2023 Lending & Credit Conference meeting space is:

Monday Breakfast, Monday & Tuesday Breaks, Exhibit Hall, Cocktail Reception:

Hotel Lobby & Prefunction Area

Conference Sessions:

Shenandoah Ballroom

Monday Lunch:

Colonnade Ballroom & Magnolia South

Tuesday Breakfast:

Magnolia South

Session Materials

Session materials will be posted as they are made available.

DAY 1 | Monday, October 16, 2023

Economic & Housing Market Update Ryan Price | Virginia REALTORS®

Compliance Hot Topics Impacting Lending & Credit Administration Margaret Dolinger | TCA

Loan Growth Through Technology & Automation – Can Your Institution Handle the Change? Rob Newberry | Abrigo

SVB’s Compelling Lending and Balance Sheet Strategies Elena Loutskina, PhD | University of Virginia, Darden School of Business

Workout Strategies Tom Thurmond | Thurmond, Clower & Associates

DAY 2 | Tuesday, October 17, 2023

Industry & Legal Update DeMarion Johnston | Virginia Bankers Association

Stronger Under Pressure Chris Barras | Second Story Partners

Attendee Roster

Click here to see who will be attending the conference.

VBA Event Policies

VBA EVENT POLICIES

By registering for this event, you are agreeing to the VBA Event Policies.

VBA EVENT CANCELLATION POLICY

All cancellations will be charged a $25.00 administrative fee. Cancellations received less than 72 business hours before the program will be charged a $75.00 administrative fee plus any additional fees associated with the training. Substitutions are allowed prior to the beginning of course.

SPECIAL NEEDS

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

Thank You to Our Sponsors!

Brown, Edwards & Company L.L.P.
Alan Landes, Partner
Email | (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.

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

Business Finance Group, Inc. is a U.S. Smalll 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.

CRS Data
Alwyn Staley, Partner
Email | (865) 414-5597
www.crsdata.com

CRS Data specializes in property tax and mortgage information. They help banks manage lending portfolios, increase fee income, streamline the appraisal process and prospect for new commercial lending opportunities.

DCMI Mid-Atlantic Inc.
Val Riccardi, Principal
Email | (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, an IAA company
Tammy Webster, TRS Account Manager
Email | (803) 808-4918
www.dditechnology.com

DDI Technology is a leading electronic title and registration technology firm providing title administration and processing services for vehicle dealers and lenders. DDI Technology is a proud member of the IAA, Inc. family of companies and focuses on delivering superior products, professional service and hi-touch customer service for all areas of vehicle title management.
VBA Endorsed Provider

Dudley Resources
Chip Jones, Senior Advisor
Email | (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.

Equifax Sales Agent – RA Business Solutions
Amy Cardona, Vice President of Sales
Email | (757) 455-9387
Matt Boyer, Executive Vice President
Email | (757) 455-9326
rabsolution.com

Retail Alliance was founded in 1903 as the sole credit bureau in Hampton Roads, Virginia. It has been RA’s mission to serve businesses in the Mid-Atlantic region as trusted advisors. The RA team provides lift by leveraging unparalleled Equifax data to power targeted solutions to mitigate risk, grow loans/deposits, and assist with ever changing compliance needs (CECL etc.).

FHLBank Atlanta
Dan Brenton, Senior Relationship Manager
Email | (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 & VBA Title Agencies
Norma Carroll, VP – Multi State Marketing
Email | (865) 384-7846
www.invtitle.com

Investors Title Insurance Company underwrites and supports the issuance of title insurance for owners and mortgagees through a network of agencies throughout the United States. The Virginia Bankers Association partnered with Investors Title for more than 25 years to develop a profitable bank-owned title insurance agency program in Virginia and West Virginia. Through this partnership, owners of title agencies in Virginia and West Virginia have generated over $66 million in non-interest income.
VBA Endorsed Provider

Virginia Title Center, LLC
(800) 468-5811
www.virginiatitlecenter.com
Bankers Title Shenandoah, LLC
(888) 437-9560
www.bankerstitleshenandoah.com
Bankers Title, LLC
(800) 830-1414
www.bankerstitle.com
West Virginia Bankers Title, LLC
(877) 439-4910
www.titlesinsured.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
Mark Motley, President & CEO
Email | (804) 822-3125
www.motleys.com

Motleys employees the Best-in-class professional for Asset Disposition and Certified Appraisals through its family of companies:

Motleys Real Estate – Commercial and Residential
Motley’s Richmond Auto Auction – Weekly Sales, Single units and Entire Fleets
Motleys Industrial – Construction Equipment, Heavy Trucks, Machining and Woodworking Equip.
Fortis Foreclosure Services – Turn key Service with Inside Counsel – 90% Sales to 3^rd Parties!
Motleys Logistic Systems – Asset Storage and Marshalling

With 55+ Years of Service throughout the Mid-Atlantic Region, Motleys is positioned to be the single point of contact to address the Investment Recovery needs of clients nationwide.

Services Include:
- Auctions – Live and Online
- Accelerated Sales
- Trustee Services/Foreclosures
- Cash Buyouts & Note Purchases
- Appraisals
- Storage
- Consulting
- Repossessions
- Reconditioning
Clients Include:
- Banks and Mortgage Companies – Regional and National
- Government Agencies – Federal, State, Cities and Counties
- Fortune 500 Companies – CSX, Altria, Philip Morris

PCBB
Dennis Falk, SVP & MidAtlantic Regional Manager
Email | (804) 944-6265
www.pcbb.com

Dedicated to serving the needs of community-based financial institutions since1997, PCBB’s comprehensive and robust set of products and services include correspondent and commercial services, hedging, and international. PCBB also offers a variety of consulting, services ranging from asset liability management, relationship profitability, stress testing, and loan reserve analysis, including CECL. Their services are designed to help you compete more effectively, but they never compete against you for your own customers.

S&P Global Market Intelligence
Ryan Chakalos, Relationship Manager, Sales Strategy & Financial Partnerships
Email | (434) 234-7608
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 tools that help banks track performance, identify investment ideas, understand competitive and industry dynamics, perform valuation and assess credit risk.
VBA Endorsed Provider

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

Spotts Fain is a renowned law firm based in Richmond, Virginia, established in 1988. They specialize in various legal areas, including business law, real estate, creditors rights, litigation, intellectual property, employment law, tax law, and more. Committed to excellence and integrity, they strive to provide personalized and innovative legal solutions tailored to their clients’ needs, building lasting and trusted relationships in the process.

Tranzon Key
Bill Londrey, President
Email | (888) 621-2110
www.tranzon.com

Tranzon Key is a full-service auction company providing real estate auction and accelerated marketing services, for corporations, financial institutions, trustees, individuals, and estates. Tranzon Key is part of the Tranzon, LLC network of experienced and highly respected auction companies located throughout the United States. Tranzon Key represents Tranzon in the Mid-Atlantic region along with northern Indiana, and has representatives that serve Virginia, Maryland, Washington, D.C., North Carolina, South Carolina, Indiana, Delaware and West Virginia.

Vericast
Carrol Lynn Downs, Senior Account Executive
Email | (210) 697-1221
www.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.
VBA Endorsed Provider

Virginia Housing
Frank Webster, Business Development Officer
Email | (804) 762-3078
virginiahousing.com

Since 1972 Virginia Housing has worked to provide quality, affordable housing to the citizens of Virginia. They offer mortgages, down payment and closing cost assistance and free homebuyer education to first time homebuyers. When it comes to helping you serve your community and meeting CRA requirements, they’re a banker’s best friend!

Virginia Small Business Financing Authority
Ray Sanchez, Chief Credit Officer
Email | (804) 371-8228
https://sbsd.virginia.gov/

The Virginia Small Business Financing Authority (VSBFA) is the Commonwealth of Virginia’s business and economic development financing arm. VSBFA offers programs to provide small businesses, not-for-profits, and economic development authorities with the financing needed for economic growth and expansion throughout the Commonwealth. To accomplish this goal, we offer loans directly to small businesses & non-profits, and credit enhancements to banks that are lending to small businesses & non-profits.

Virginia Bankers Association