Pub. 1 2013 Issue 3

summer 2013 3 4 Credit Unions in a Panic The large bank-like credit unions are in a panic. Their ridiculous tax exemption is on the chopping block and the bankers didn’t even put it there. By Howard Headlee, President 5 Washington Update: The Road Ahead for Housing June is typically declared National Home ownership Month, a time to tout the benefits of homeownership and guide consumers to what many have always viewed as the ultimate goal – a place to call your own. By Frank Keating, President and CEO, American Bankers Association 6 Effectively Marketing Small Busi- ness Loans Every spring the major banks launch cam- paigns and start battling to be recognized as the #1 small business lender in Utah. By Ty Kiisel 10 Pull the String: CRM success requires a proactive, daily commitment from your bank’s managers A wise and very successful banker in Alaska once said about the bank’s sales and service culture, “If I leave it alone for one day we stop making progress. If I ignore it for even two days we begin to slide backward.” By Barbara Kempf, Synapsys Consulting Manager, Jack Henry Banking 12 As Credit Crunch Tightens, Financial Institutions Look Within for Opportunities As the mortgage crisis continues to wield a tight grip on the banking industry, financial institutions are scaling back their pursuit of new lending relationships. 16 New Regulations for Municipals in 2013: Dodd-Frank,Section939A Effective January 1, 2013, bank regulators implemented new standards for municipal investments that require most banks to adopt a new approach to the credit analysis pro- cess. By Drew Simmons, The Baker Group LP 17 Teach Children to Save Thank you to more than 300 bankers across Utah who helped more than 20,000 Students develop a better understanding of the value of savings through Teach Children to Save lessons. By Lindsay Scott 19 Women’s Conference On April 24th, 196 bankers and speakers gathered at Noah’s in South Jordan for the 8th Annual Women in Banking Conference, a Development Conference for Banking Profes- sionals. By B Wilkes 20 Bank Kudos 22 Bankers on the Move 24 UBA Associate Members UBA Board of Directors 2012/2013 EXECUTIVE COMMITTEE CHAIRMAN Louise P. Kelly President & CEO, EnerBank USA Salt Lake City, UT VICE CHAIRMAN Anthony J. Hall President & CEO Lewiston State Bank, Lewiston, UT 2 ND VICE CHAIRMAN Greg A. Winegardner Utah Regional President Wells Fargo, Salt Lake City, UT IMMEDIATE PAST CHAIRMAN Damon G. Miller Utah Market President U.S. Bank, Salt Lake City, UT COMMUNITY BANKADVISORYCHAIRMAN R. TodMonsen CEO/President Rock Canyon Bank, Orem, UT INDUSTRIAL BANK ADVISORY CHAIRMAN Kelvin L. Anderson President & CEO Optum Bank, Salt Lake City, UT REGIONAL BANK ADVISORY CHAIRMAN Michael Morris EVP, Real Estate Banking Group Zions Bank, Salt Lake City, UT PRESIDENT Howard M. Headlee Utah Bankers Association Salt Lake City, UT BOARD MEMBERS Scott Anderson President & CEO Zions Bank, Salt Lake City, UT Russ Barney VP & Regional Business Banking Manager Bank of the West, Salt Lake City, UT Robert M. Bowen President and COO Brighton Bank, Salt Lake City, UT Lee A. Carter President & Chief Operating Officer UBS Bank USA, Salt Lake City, UT Mark D. Howell President - Intermountain Banking AmericanWest Bank South Jordan, UT Bruce Jensen President & CEO Town & Country Bank Saint George, UT Nathan J. Morgan CEO/Chairman Continental Bank Salt Lake City, UT Kenneth H. Petersen Chairman BMW Bank of North America Salt Lake City, UT Jason Price President & CEO Prime Alliance Bank Woods Cross, UT Joe Stroud General Counsel G.E. Capital Bank Salt Lake City, UT Jill Taylor District President KeyBanK Salt Lake City, UT Paul F. Thome President & CEO Sallie Mae Bank, Salt Lake City, UT M. Craig Zollinger President & CEO JPMorgan Chase, Salt Lake City, UT 6 10 By Harland Clarke