Chris Richardson, Vice President of Sales for IZALE Financial joins host Michael Delucchi to discuss how bank-owned life insurance performed in 2020 compared to other assets, what bankers should be aware of for executive benefits in 2021, and presents fee income strategies financial institution can utilize in the new year to boost their bottom line.

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Ep #10 2020 BOLI Recap & 2021 Fee Income Strategies

Kurt Fritz, Partner & Managing Director for Performance Trust joins host Michael Delucchi to talk about yield curve control, negative interest rate policy, and strategies for community bankers during the pandemic.  Kurt who just started a banker focused blog called the “Fritz Report” shares his insights and ideas that can assist bankers to position their balance sheet during these challenging times as well as some stories from his time in the famous open cry pits at the Chicago Mercantile Exchange. If you are a community bank executive, CFO, CCO, or bank director then this episode of ElevateTALKS is very timely, relevant, and for you.

Ep #9 Community Banks & The Yield Curve

The coronavirus chaos and its cascading impact on the financial markets and small and medium-sized business has made credit stress testing a vital tool for every community bank. Adam Mustafa, CEO and co-founder of the Invictus Group, joins host, Michael Delucchi to collectively share their thoughts on stress testing in the COVID-19 environment, how PPP loans and loan modifications can be incorporated into test scenarios, and loan loss reserve considerations during these unprecedented times. With a long history in strategic analytics and stress testing, Adam discusses the importance of identifying the segments of the portfolio that are most vulnerable and how stress testing can assist bank executives to fully grasp the bank’s capital situation to determine if contingency plans such as deleveraging, cost-cutting, or changes to the dividend policy need to be pursued. Adam reveals how banks can use COVID-19 stress testing results to augment their qualitative factors for loan loss reserve accounting purposes. This episode is ideal for any CEO, CCO, CFO, or bank executive to learn why proper stress tests, not the check-the-box stress tests that most banks use, can help banks to plan for the worst, develop timely strategic and contingent initiatives, while positioning them to take advantage of opportunities when the crisis is over.

Ep #8 How Pandemic Stress Testing Can Position your Bank for Success

As an effect of the Corona virus pandemic, bankers are balancing a multitude of pressing and important issues.  Whether it’s customers requesting loan modifications, an onslaught of Payroll Protection Loan applications, liquidity concerns, employee morale, or the potential regulatory oversight of the future – bank executives find themselves managing an incredible amount of concerns that directly impact the communities they serve.  In this episode of ElevateTALKS Bart Smith, Managing Director & Partner at Performance Trust joins host Michael Delucchi and will take an audible journey through the CAMELS bank rating system and discuss strategies and insights of each key factor that bank executives are and should be considering. If you are a community bank executive, CFO, CCO, or bank director then this episode of ElevateTALKS is very timely, relevant, and for you.

Ep #7 Covid-19 and CAMELS

“Think big, start small!” Tune in to hear Tracy Basinger, executive vice president of the FRB’s Financial Institution Supervision and Credit Group (FISC) and Justin Wray, director of risk management for regional and community banks in FISC’s risk and policy analysis group as they discuss the Fed’s latest initiatives in technology, innovation, and the fintech space. Listen as Tracy and Justin join host Michael Delucchi and discuss what’s changing in the industry, pain points, risk, opportunities, and engagement strategies for stakeholders.” If you are a community bank executive, compliance professional, technology officer, or interested in what the FRB is doing in the way of technology, fintech, and innovation then this episode of ElevateTALKS is for you. This episode was recorded on February 27, 2020 and due to the COVID-19 pandemic took some time to be edited and released

Ep #6: Technology Insights with the Federal Reserve Bank: Fintech, Innovation, and Initiatives

After nearly two years of anticipation, financial regulators unveiled their proposal in December to reform how they implement the Community Reinvestment Act and is now taking comments on these recommended changes through March 9th, 2020.   The plan will overhaul CRA assessment boundaries, criteria for activities earning credit in CRA exams and how banks are scored overall for their performance. If finalized, the proposal would be the first significant update to the 1977 law in over two decades.  While the plan has carve-out for banks with under $500 million of assets it may have a significant impact on the more than 650 financial institutions in the U.S. between $500 million and $1 billion in assets. In this episode of ElevateTALKS CRA authority, Linda Ezuka joins host Michael Delucchi and discusses the current state of CRA reform, some of the key changes within the proposed rules, and how they may impact community banks.

Ep #5: CRA Reform: Hidden Concerns for Community Banks

In this episode of ElevateTALKS fraud-busting body language expert Traci Brown joins host Michael Delucchi and reveals some of her best tips, tells, and signs to spot when someone is lying.  Our conversation includes strategies for face-to-face conversations, how to tell if someone is lying on the phone, and if there are generational differences in the art of lying.  Whether you are a lender, new account officer, hiring manager, or just someone that wants to be able to tell when someone’s pants are on fire you will not want to miss this podcast.   

Ep #4: Liar, Liar, Pants on Fire for Bankers

In this episode of ElevateTALKS, market expert Brian Battle joins host Michael Delucchi and reveals three big things that banks have to consider, accept and adopt, to survive. Listen to Brian’s keen observations and solutions as he shares three critical insights to help every bank make consistent and organized decisions for long term shareholder value and success.

Ep #3: Three Big Things with Brian Battle

In this episode of ElevateTALKS, credit risk and commercial banking expert Dev Strischek joins host Michael Delucchi as they try and stay on their feet while “Surfing the Business Cycle.” Is it high tide and high time to go with the flow? How much longer will this expansion go on? What should we bankers be doing to prepare for the slowdown? Find out what we can do to ride the economic waves. Listen to Dev discuss lending, flows of a business cycle, what industries are more susceptible and resilient to a downturn, and most importantly what steps bankers should be taking to prepare themselves and their customers for a downturn in the economy.   Other topics include geographic considerations from a downturn, the impact from the China trade war on the banking sector, and leadership best practices from this seasoned credit professional. For more information go to our show notes page at https://www.elevatebankers.com/elevatetalks02/

Ep #2: Surfing the Business Cycle with Dev Strischek

All leaders can agree that change – and the acceptance of change – is fundamental to growth; however, only a handful of financial institutions embrace change as part of their overall growth strategy. While most organizations know leadership succession planning is essential and intersects directly with long-term sustainability, few do it well. In this inaugural episode of ElevateTALKS, business growth, sales, and leadership expert Meridith Elliott Powell joins host Michael Delucchi to discuss succession planning, ways to develop a change mindset and explore the current state of talent development in the banking industry. With several business and leadership books to her credit, Meridith has recently turned her author’s hand towards succession planning. From this lens, Meridith shares with the ElevateTALKS audience stories of the small, medium, and large businesses she has worked closely with and offers solid suggestions as to what effective succession planning entails. Listen to Meridith discuss some of the nuances for family-owned institutions, how emotion is often the biggest roadblock to successful succession planning, strategies for strong leaders to retain their best talent, and how young leaders can proactively implement themselves into their banks’ long-term plans. For Show Notes & Additional Resources go to https://www.elevatebankers.com/elevatetalks01/ For more information about Elevate go to https://www.elevatebankers.com   

Ep #1: Succession Planning with Meridith Elliott Powell

ElevateTALKS will enable the busy executive to hear short but meaningful & valuable discussions on a variety of banking & leadership topics. Hear from experts, fellow bankers, and successful individuals at your own pace, when you want, & how you want.

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