Pub. 6 2018 Issue 3

Issue 3. 2018 3 14 18 ©2018 Utah Bankers Association | The newsLINK Group, LLC. All rights reserved. Utah Banker is published quarterly each year by The newsLINK Group, LLC for the Utah Bankers Association and is the official publication for this association. The information contained in this publication is intended to provide general information for review and consideration. The contents do not constitute legal advice and such not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your specific circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Utah Bankers Association, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. Utah Banker is a collective work and as such some articles are submitted by authors that are independent of the Utah Bankers Association. While the Utah Bankers Association encourages a first print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior permission. For further information, please contact the publisher at: 855.747.4003. UBA Board of Directors 2018/2019 CHAIRMAN Douglas L.DeFries President & CEO Bank of Utah Ogden VICE CHAIRMAN Kay B.Hall EVP,CFO Zions Bank Salt Lake City 2NDVICE CHAIRMAN Kristin B.Dittmer EVP,Chief Financial Officer EnerBank USA Salt Lake City IMMEDIATE PAST CHAIRMAN Ronald J.Ostler Chairman Comenity Capital Bank Salt Lake City REGIONAL BANK ADVISORY CHAIR Matthew D.Bloye Regional Bank President Wells Fargo Salt Lake City COMMUNITY BANKADVISORY CHAIR N.George Daines Chairman & CEO CacheValley Bank Logan INDUSTRIAL BANKADVISORY CHAIR Paul F.Thome President Sallie Mae Bank Salt Lake City PRESIDENT Howard M.Headlee President Utah BankersAsso- ciation Salt Lake City BOARD MEMBERS Jan M.Bergeson CRA Officer/Utah Market Leader Ally Bank Sandy RobertW.Carpenter Executive Director, Region Manager JPMorgan Chase Salt Lake City Deborah Culhane President & CEO Optum Bank Wakefield Terry Grant Utah Market President KeyBank Salt Lake City Gary Harding President & CEO PrimeAlliance Bank Woods Cross MarkA.Herman Market President U.S.Bank Salt Lake City Andrew L Howard President and CRO AmBank Provo Kent Landvatter CEO FinWise Bank Sandy Wade Newman President and COO Celtic Bank Salt Lake City Carla Nguyen District Manager U.S.Bank Salt Lake City Curt Queyrouze President & CEO TAB Bank Ogden Frank K.Stepan Managing Director Morgan Stanley Bank, N.A. Salt Lake City MikeWatson President and CEO Capital Community Bank Provo KirkWeiler President & CEO WEX Bank Midvale Len E.Williams President & CEO People’s Utah Bancorp American Fork 4 Remember By Howard Headlee, President 6 New Banks as Bellwethers By Naomi Camper, Chief Policy Officer, American Bankers Association 8 110th Annual Utah Bankers Association Convention 10 Doug DeFries Elected To Head the Utah Bankers Association; Bankers Elect New Officers and Directors 11 40 Years Service Award 12 Bananas, Baking Soda and Bank Marketing By Neal Reynolds, President, BankMarketing Center.com 14 Building a World-Class Construction Lending Program Mike Lacey, Co-Founder, eDraw 16 Credit Reminders – Now is the Time to Review By Jeff Goldstein 17 Utah Bankers Association Endorses BankMarketingCenter.com 18 Taking Care of Commercial Real Estate Customers in a Rising By Sabrena Suite-Mangum 20 Rising Rates? Defend Your Portfolio’s Market Value with Symmetrical Fundings By John Biestman, Federal Home Loan Bank of Des Moines 22 Three Ways to Trigger Loan Marketing Success By Stephenie Williams, market strategist for Lending Solutions, Harland Clarke 24 Reviewing the CFPB’s Recent Complaint Report By Zack Smith, Associate General Counsel, Compliance Alliance 25 Bankers on the Move 26 Bank Kudos 28 Associate Members 30 Lineup of UBA Conferences The Utah BankersAssociation represents fifty regional, community and industrial banks throughout Utah and is the voice for Utah’s banking industry and its employees.