Winter 2007-08 Volume 44.1 S AN D IEGO C HAPTER N EWSLETTER Message from Chapter President SAVE THE DATE! We have been notified by RMA National that the San Diego Chapter was a gold star chapter for last year! Please join me in congratulating Stan San Diego Dinner Meeting Cruse and the 2006 – 2007 board for their leadership. In case you’ve missed our first two dinner Joint Meeting with California meetings, we had wonderful programs with Gary London of the London Group and Rich Benard Society of CPA’s and Financial from the Midway Museum. We learned that San Women International Diego is in a better position to weather the current softening economy, having successfully diversified after the last downtown in the 80’s/‘90s, but look for continued softening Wednesday January 9, 2008 throughout 2008. We also learned that a non- profit with the right product can be very Guest Speaker: successful and very profitable in a very short Dr. Stephen Happel, Economist, period of time. What a wonderful history and landmark we have in the Midway Museum. Arizona State University Presents: January will be the joint meeting with the CPAs & FWI. We will have a repeat visit from Dr. Stephen Happel, an economist from Arizona State National Economic Trends University. Come and laugh through economics as you’ve never heard it before (unless you were there last May)! We also have Bob Zadek on tap 2007-2008 Remaining Dinner Programs for March to talk about Commercial Loan documentation issues. Both of these programs offer excellent speakers with a wealth of take General Membership Meeting # 4 home information. March 12, 2008 Next time you see a board member, please thank them for their service to the San Diego Chapter of Bob Zadek, Esquire (tentative) RMA….as the pay for the job is lousy….and they Commercial Lending Documentation Pitfalls really work hard to create a vibrant chapter with successful programs. General Membership Meeting # 5 Best wishes for the upcoming Holiday Season. May 14, 2008 See you all January 9, 2008. Bank CEO Panel Discussion Gail Jensen-Bigknife Chapter President Seven Laws of Satisfaction Educational Program Series These customer-satisfaction rules will keep you ahead of your competition: − Treat the customers you have as though • January 16, 2008 Structuring they’re prospects. Commercial Loans − View customers as partner’s⎯members of • February 20, 2008 Fundamentals of your team. Financial Statement Analysis • March 19, 2008 Beginning Cash Flow − Consider recruitment as serious Concepts business⎯hire only the best. • April 16, 2008 Problem Loan − Give your staff members the tools they need to workouts build skills and develop as professionals. Evaluate them on what they accomplish, not More information on the Educational Series hours worked. will be coming shortly − Prepare for the inevitable conflicts that arise in any customer relationship. It’s how you handle a problem that sets one professional or Managing Your Time: organization apart. Gain against Procrastination − Foster exchanges among your organization’s Every time you push back a deadline or submit groups and individuals to get their ideas on late work, you lose ground in your campaign to how to better satisfy customers. present a competent and professional image. From Communication Briefings Fight back with these tactics: - Take small steps. Start by focusing on a single task at a time instead of the broader and RMA Audioconference Series possibly overwhelmingly large project. - Ask for advice. Don’t delay work on a project Lending and Risk Management Series because you feel that you are in over your head. Seek out colleagues with expertise in January 8, 2008 – Credit Review Today that area and ask them for information and February 5, 2008 – Best Practices in Small advice. Business Lending Today - Chart your progress. Create a visual guide March 11, 2008 – Compliance Issues for to motivate you as you progress through the Commercial Lenders and Risk Officers task. Examples: a checked-off “to do” list or a May 6, 2008 – State of the Commercial Real progress graph that lets you see all that you Estate Market have accomplished. Adapted from “Put off Procrastination for Good,” Community Bank Series Christine Zust, www.emergingleader.com December 11, 2007 – Commercial Real Estate Portfolio Management: Managing Commercial CREDIT RISK CERTIFICATION (CRC) Real Estate Risk in Community Banks What a difference certification can make, especially February 12, 2008 – Lending/Credit Issues for the when it represents RMA's stamp of approval. Consider obtaining a Credit Risk Certification from RMA. Next 18 Months April 15, 2008 – Implementing a Dual Risk-Rating For more information on our CRC program, please go System at a Community Bank to our Web site: www.rmahq.org June 10, 2008 – Regulatory Update with Senior Regulators from the FDIC, Federal Reserve, and OCC Time: All audioconferences will be held at 1:00 p.m. (ET), Treasurer 10:00 a.m. (PT). Tom Schmidt Fees: Multiple listeners are permitted free on the same line Comerica Bank (include as many officers as can fit around your 350 Tenth Ave, Ste 700 speakerphone). Information: 1-800-677-7621 San Diego, Ca 92101 RMA Members: $400 for all five audioconferences or $120 for each selected audioconference (per telephone line). email@example.com Nonmembers: $600 for all five audioconferences or $180 for each selected audioconference (per telephone line). Directors – 1 year Brian J. Smith Security Business Bank RMA Officers 2007-2008 2701 Loker Ave., West, #150 Carlsbad, Ca. 92008 President 760-448-8308 Gail Jensen-Bigknife firstname.lastname@example.org Security Business Bank 701 “B” Street, Ste. 100 Directors – 1 year San Diego, Ca. 92101 Monte Schwartz 619-237-4806 Regents Bank email@example.com 875 Prospect St., Ste. 201 La Jolla, Ca. 92037 Immediate Past President 858-729-7710 Stan Cruse firstname.lastname@example.org Pacific Coast National Bank 905 Calle Amanecer, Ste 100 Directors – 2 years San Clemente, Ca 92673 Harvey Friedman email@example.com San Diego National Bank 1420 Kettner Blvd. First Vice President San Diego, Ca. 92101 Gerry Veal 619-744-2144 Pacific Western Bank firstname.lastname@example.org 401 West A Street ,2nd Floor San Diego, Ca 92101 Directors – 2 years 619-338-1408 Marvin Groner email@example.com California Southern SBDC 600 B Street, Ste 2450 Second Vice President San Diego, Ca 92101 Kristine Price 619-232-7771 Torrey Pines Bank firstname.lastname@example.org 12220 El Camino Real.#100 San Diego, Ca 92130 Committee Chairs 858-523-4666 email@example.com Audit Chair Rick King Secretary Regents Bank Kim Tronerud-Coy 501 W. Broadway, Ste. 550 Security Business Bank of San Diego San Diego, Ca. 92101 701 B Street, Ste 100 619-233-4900 San Diego, Ca 92130 firstname.lastname@example.org email@example.com Communications Chair Brian J. Smith Security Business Bank 2701 Loker Ave West #150 Carlsbad, Ca. 92008 858-448-8308 firstname.lastname@example.org Education Chair Chris Burr Security Business Bank 12770 High Bluff Dr., Ste. 180 San Diego, Ca. 92130 858-523-1941 email@example.com Facilities Chair Joel Ewan California Bank & Trust 4320 La Jolla Village Dr., Ste. 355 San Diego, Ca. 92122 858-623-3164 firstname.lastname@example.org Membership Chair Gil Evans Vision Capital Corp. 16935 West Bernardo Dr., Ste. 150 San Diego, Ca. 92127 858-675-7291 email@example.com Program Chair Louis F. Cumming 5440 Westknoll Dr. La Jolla, Ca. 92037 858-272-8417 firstname.lastname@example.org Our chapter presents opportunities for individuals to get involved. Chapters rely on the talents of volunteers to stage many of their programs, conduct membership development efforts, and promote the ideals of the Association. To find out more about how you can get involved in our chapter call any board member listed above.