Pub 12 2024 Issue 4

New Endorsed Vendors Ascribe Following an extensive due diligence process, the UBA is pleased to announce its endorsement of Ascribe, a leading national provider of valuation, evaluation, property inspection and REO (real estate owned) services. Ascribe will provide UBA member banks with top-tier support, competitive pricing and reliable, fully insured valuation services for commercial and […]

Helping borrowers secure lower interest rates on their owner-occupied commercial real estate isn’t just good business — it’s a game-changer for their financial health and your lending portfolio. The SBA 504 refinance programs empower you to provide clients with long-term, fixed-rate solutions while generating new lending opportunities. It’s a win-win for everyone involved.

Altabank Justin Barnes, a longtime commercial lender in Cedar City, has joined Altabank as SVP and branch manager. He comes to Altabank after more than eight years with State Bank of Southern Utah. Chase Shumway has joined Altabank as AVP and relationship manager in the North Logan branch. Prior to that, he spent more than

After more than 30 years of dedicated service, Becky Wilkes is retiring from the Utah Bankers Association. She has left an indelible mark on colleagues, the industry and the UBA, creating best-in-class education programs for bankers throughout Utah and making the UBA Convention the envy of state banker associations across the country. Thanks for everything,

PCBS Class of 2024 Congratulations to the Pacific Coast Banking School Class of 2024, including these 15 graduates from Utah: Greg Anderson, Central BankDaniel S. Barnes, Brighton BankTaisha Brenchley, Zions First National BankNathan DeFries, Bank of UtahJustin Delgado, First Utah BankJeremy Despain, Altabank, a Division of Glacier BankRussell J. Fullmer, Brighton BankChristopher Judd, Central BankAngela

Debit issuers today face several challenges, including flat or declining card bases, the continual threat of fraud and rising digital demand. These issues can also present opportunities. Issuers can create best-in-class debit programs by applying best practices in three areas: digital demand, the transaction experience and key performance indicators. Moreover, an issuer’s marketing program can

This year’s “Igniting Leadership” Conference returned to Thanksgiving Point in Lehi on Nov. 16, 2024, bringing together more than 70 emerging bank leaders for a day of learning, connection and inspiration.

Introduction: A Call for Diverse Contingency Funding
In her recent address to the ABA, Secretary of the Treasury Janet Yellen emphasized the need for the U.S. banking system to address vulnerabilities exposed by the liquidity stress events of 2023. She underscored two pivotal points: strengthening preparedness for liquidity stress and ensuring banks have diverse contingency funding sources. This mandate, while prudent, largely focused on conventional government-backed solutions that, although useful, may inadvertently crowd out viable private-sector alternatives.

The UBA Fall Compliance Conference returned to the Zermatt Resort in Midway on Oct. 28-30, 2024, for three days of learning and reconnecting with peers. This year’s theme was “Comply with Me,” and more than 80 compliance officers enjoyed a robust agenda featuring expert speakers exploring the latest topics and trends. The conference included a regulator panel and classes on