Senior Lender Forum Group 1 2025 | Indiana Bankers Association | 30 June 2025 | IBA Center for Professional Development, 8425 Woodfield Crossing Blvd, Suite 155E Indianapolis, IN 46240

This Forum will provide a platform and opportunity to exchange ideas freely and examine pressing issues in today’s ever-evolving regulatory, cost-conscious and productivity-driven environment. Peer-to-peer sessions have proven very successful for other IBA membership focus groups.

Possible Forum Topics:
• Economy, interest rates and banking issues: trends update from facilitator, with discussion of feedback and anecdotal comments from customers of participants, implications for asset-liability management in the bank
• Lending issues: pricing discipline and trends in markets, profitability and margins, loan structuring and covenant issues, efficiency of the approval process and overall productivity in the lending function, any emerging problem areas in terms of loan types or industries
• Underwriting issues: changes in personal tax return formats, collection of periodic financial information from customers, accounting rules changes, effective usage of and levels of support staff and roles
• Regulatory issues: “hot buttons” and feedback from recent examinations, appraisal guidelines, CECL, any emerging or new regulations
• People issues: keeping good employees, dealing with remote and hybrid work.
• Business development issues: Success stories in prospecting and calling, motivation and incentives, negotiating skills, ways to streamline the credit process in order to expand the sales process
• New, alternative or emerging products issues: The ever-changing residential mortgage market (originate to sell to secondary market, sell to correspondent, keep in-house? what about servicing?), “fintech” and digital banking competition and trends, other non-bank lending competitors

Benefits of the Forum:
• Improve the profitability of your loan portfolio
• Reduce the risk in your loan portfolio
• Increase your understanding of regulatory issues
• Form lasting relationships with noncompeting senior lenders
• Get solutions and practical ideas for your most pressing concerns
• Grow professionally, as well as personally
• Discuss with peers what works and what doesn’t

How the Forum Works:
• IBA will organize the forum based on bank size and market to ensure that participants have as much in common as possible
• The group will be small - usually no more than 20 participants
• The Forum will meet three times during the year
• Eight to ten topics will be discussed at each session; participants are strongly encouraged to suggest agenda topics of interest
• Forum participants get the benefit of working with expert consultants on a cost-saving basis
• Comprehensive handout compiled and provided to each group member, along with a binder for retention of handouts, notes and references

2024 Past Speaker

Richard Hamm