Pub. 8 2018-2019 Issue 5

O V E R A C E N T U R Y : B U I L D I N G B E T T E R B A N K S - H E L P I N G C O L O R A D A N S R E A L I Z E D R E A M S March • April 2019 1 The Colorado Bankers Association is proud to present COLORADO BANKER as a benefit of membership in the Association. No member dues were used in the publishing of this news magazine. All publishing costs were borne by advertising sales. Purchase of any products or services from paid advertisements within this magazine are the sole responsibility of the consumer. The statements and opinions expressed herein are those of the individual authors and do not necessarily represent the views of COLORADO BANKER, or its publisher the newsLINK Group LLC. Any legal advice should be regarded as general information. It is strongly recommended that one contact an attorney for counsel regarding specific circumstances. Likewise, the appearance of advertisers does not constitute an endorsement of the products or services featured by The newsLINK Group LLC. Don Childears President/CEO Jenifer Waller COO Amanda Averch Director of Communications Lindsay Muniz Executive Assistant Mike Bintner Director of Education Margie Mellenbruch Bookkeeper* Craig A. Umbaugh Counsel* Jim Cole Lobbyist* Zoey DeWolf Lobbyist* Melanie Layton Lobbyist* Garin Vorthmann Lobbyist* Brandon Knudtson Director of Membership * outsourced Amanda Averch, CBA Director of Communications, Averch@coloradobankers.org 140 East 19th Avenue, Suite 400 Denver, Colorado 80203 voice: 303.825.1575 – fax: 303.825.1585 Websites: www.coloradobankers.org www.smallbizlending.org www.financialinfo.org March/April 2019 OVERACENTURY:BUILDINGBETTERBANKS -HELPINGCOLORADANSREALIZEDREAMS SURVEY SAYS: YOUR PEERS WEIGH IN ON 2019 BANKING STRATEGIES 2 Chairman’s Message 4 A Word From CBA... 6 Relationship Cultures Thrive When Employees Share a Commitment to Customer Care 8 FEATURE: 2019: Different Approach, Same Agenda 10 FEATURE: Commercial Loans and the FCRA 12 Survey Says: Your Peers Weigh in on 2019 Banking Strategies 15 Top 5 CECL Things To Remember 16 The Impact of Price Trends on Mortgage Defaults