CU Small Business Summit

8th CU Small Business Summit

March 19-21, 2018
Nashville, TN

Our 8th CU Small Business Summit will bring together the nation’s foremost leaders in the business lending industry to help credit unions reach new heights with their member business lending. Whether you’re a current Member Business Solutions partner or just interested in learning more about business lending, please join us in Nashville, Tennessee, March 19-21, 2018.


Monday, March 19

6:30 p.m. – Welcome Reception – Welcome to Music City! Enjoy light appetizers and drinks while mingling and mixing with your fellow peers.

Tuesday, March 20

8:00 a.m. –  Breakfast

8:45 a.m. –  Welcome, Jim Gallagher, CEO, MBS

9:00 a.m.  – Rough Seas Ahead! A Kayaker’s Guide to Credit Risk Readiness
Linda Keith, lindakeithcpa, inc.

Are you ready for the next recession? Did you ‘learn the lessons’ from the last one? Did they stick?

In this surprisingly funny session, Linda gets you thinking. You will consider if you and your credit union are where you ought to be through insights she has gleaned from the nationwide 2018 Credit Risk Readiness Study commissioned by her company, from her work in the front lines helping lending and credit professionals originate performing loans, from kayaking in the coldest summertime waters in the continental U.S., and, sadly, from her experience as a shareholder of the 92nd bank to fail in 2009. (Her credit union did just fine.) You will:

  • Assess your readiness for the next major credit disruption and compare your thinking to that of other credit professionals.
  • Adapt and adopt the five-step response kayakers and bankers must use when conditions deteriorate.
  • Discover how to learn from and pass on the lessons of the last recession to be ready for the next.

Turbulence is always ahead in banking. Risk management is in every job description. ‘Plan to capsize’ so you can recover quickly…safe and sound.

10:30 a.m. – Break

10:45 a.m. – Risk Ratings – The Canary in the Coal Mine
Nick Darvill, VP, Credit, MBS and Joe Torre, Ermeritus Contract Underwriter, MBS

Learn about the new regulatory expectations surrounding your risk-rating administration and the importance of accurately measuring and reporting on the risk in your portfolio.   Nick and Joe will discuss the elements of effective risk rating and unveil new tools developed to assist with more accurately tracking portfolio risk. 

11:15 a.m. – Ethics in Financial Services—Are They Only a Matter of Degree?
Steve Goodman, President, TrainWorks

We read daily about alleged corruption that has occurred inside another large financial firm or educational institution. In fact, just by picking up a newspaper, most Americans might believe that many firms are full of high-level managers and educators driven solely by corporate profits and individual greed. 

Despite the wide-spread reporting about the sordid scandal at Penn State or the large-scale financial scandal perpetrated by Bernie Madoff , many of those same dilemmas will be encountered by employees of financial service firms, regardless of the firm’s size. Ethical dilemmas are simply not confined to the nation’s largest companies nor do they always involve multimillion-dollar outcomes.

This session addresses just how often we all face those ethical dilemmas, how we form our ethical standards, and the events that cause us to lose them. And, ultimately, this session leaves participants with one troubling question:  Are my ethical principles mainly a matter of economic reward, or are they only a matter of degree?

12:15-1:30 p.m. – Lunch

1:30 p.m.  – Overview of Rural Development Guaranteed Programs
Taylor Marable, Community Programs Specialist, USDA

This presentation will provide an overview on Guaranteed Programs offered by the USDA Rural Development. Topics such as program eligibility requirements, project types, and funds use will be discussed.

2:30 p.m.  – The Business of Country Music
James Dean Hicks, Singer/Songwriter

Hear from one of Nashville’s music industry leaders on what it takes to make it in the Nashville music business. With more than 200 of his songs recorded by country and pop music superstars, Hicks has been involved in the music industry since the age of 10. Along the way, Hicks has had seven #1 Hit songs, sold over 30 million records and serves as the vice president of the Nashville Songwriters Association International. Hicks will share his unique inside view on the topics of the business of songwriting, artists, publishing companies, producers, distributors and the recording industry itself.

3:30 p.m.  – Session Ends

5:30 – 10:30 p.m.  – Explore some of the clubs and bars now famous for the country music artists who have used their stages for fun, fame, and fortune. Visit Robert’s Western World, Honky-Tonk Central, and Legends Corner, or dine at Prince’s Hot Chicken Shack, The 404 Kitchen, or the Josephine. Transportation from the hotel to Honky-Tonk Row provided every 30 minutes.

Wednesday, March 21

8:00 a.m. – Breakfast

8:45 a.m. – Effective Negotiation: Yes, You Can!
Susan Williams, Professor Emerita of Management, Belmont University

Negotiating may seem scary or unpleasant. You may worry that you may not have the right skills to go head-to-head with someone and get what you deserve, or that you’ll damage your relationship with your boss, customer, or colleague in the process. And even if you do enjoy the thrill of the argument, chances are that one of you is going to have to give up something you want, right?

This zero-sum approach isn’t the only way to negotiate, however. In this session, you’ll learn a collaborative and creative approach that results in better outcomes and stronger relationships. It works in any situation in which you and a counterpart need to come to terms despite competing interests – from formal multimillion-dollar sales agreements to informal conversations with colleagues about how you will tackle a quick project. You’ll get better at:

  • Identifying the real issues at stake
  •  Preparing materials in advance
  • Setting the right tone as you begin the conversation, and
  • Handling emotions in the negotiating room. 

9:45 a.m.  – One Year into the Revised MBL Rule – A Regulator’s Perspective
Robert Parrish, Associate Regional Director of Operations, NCUA

This session will provide an overview of NCUA Rules and Regulations Part 723, observations in the credit union industry since implementation of the new rule, and areas where credit unions could improve their business lending programs.

10:45 a.m. – Are We Ready for Fintech Lending Yet?
Heather Bosenko, Lending Center Manager, MBS

Learn how Fintech lenders are disrupting the business-lending landscape and what you can do to stay competitive in a technology driven environment. Heather Bosenko, MBS Lending Center Manager and credit unions will discuss the Fintech lending environment and the MBS solution available today.

11:45 a.m. – Closing Remarks, Jim Gallagher, CEO, MBS

* Schedule subject to change.

Heather Bosenko

Heather Bosenko

Lending Center Manager, MBS
Heather Bosenko is a graduate of Florida Gulf Coast University and has been with MBS for more than four years with more than 12 years of commercial underwriting experience. Heather has worked both in sales and credit, including the start-up of a small business scoring program at a local bank. Heather has also held various licenses, which include real estate sales.

Nick Darvill

Nick Darvill

VP, Credit, MBS
Nick is responsible for the underwriting process at MBS, supervising the credit analyst and file intake departments. Nick has a finance degree from Florida State University and has held various securities and real estate licenses. His 15-year tenure in the banking industry includes experience in both credit and sales. Nick has worked at MBS for seven years and is an invaluable resource for Partner credit unions.

Steve Goodman

Steve Goodman

President, TrainWorks
Steve Goodman is owner and president of TrainWorks, the leading provider of customized, independent training in wealth management, customer service, and business ethics.

Currently, Steve serves as one of the lead instructors for the American Bankers Association’s in-bank training programs, through which he regularly works with some of the nation’s largest financial firms, conducting courses on wealth management and ethics. Steve is also on the faculty of the Pacific Coast Banking School in Seattle, where he teaches financial planning and investment concepts and where he has been named one of the top three instructors for six years in a row. In addition, Steve has been an instructor for the Southeastern School of Banking for more than 25 years, teaching client service, wealth management concepts and ethics to non-trust personnel.

James Dean Hicks

James Dean Hicks


Hicks has written songs for many of the greatest musical artists of our time, such as Johnny Cash, Reba McEntire, Conway Twitty, Blake Shelton, Kenny Chesney, Miley Cyrus, Alison Krause, and many, many others. Along the way, Hicks has had seven #1 Hit songs and sold over 30 million records. He first came to Nashville when he was just 10 years old to perform with the legends of The Grand Ole Opry. Today, in addition to being an in-demand, hit song writer, performing all over the world, Hicks is the vice president of the Nashville Songwriters Association International, serving on the legislative and membership committees.

Linda Keith

Linda Keith
Linda speaks at banking conferences on credit risk readiness and loan quality. She also works directly with lending and credit professionals across the U.S. to say ‘yes’ to good loans. Through online and in-person training, Linda helps credit unions develop a global analysis of borrower tax returns, ask good questions, spot red flags, and document their findings. Linda lives on Eld Inlet and kayaks throughout Puget Sound. She always dresses for the water temperature no matter how sunny the day.

Taylor Marable

Taylor Marable

Community Programs Specialist, USDA Rural Development
Taylor began his career with USDA through the Pathways intern program in 2010. Since transitioning to a full-time employee, he has served rural communities in various positions, such as housing specialist and community program specialist. He has served as the EEOAC president during his time at the USDA. Taylor volunteers with the TN Achieves mentoring program, helping students navigate through the process of going to college.

Robert Parish

Robert Parrish

Associate Regional Director of Operations, NCUA
Robert joined the NCUA in 2001 after six years in the banking industry as an internal auditor. He began his career with the NCUA as an examiner in Columbus, Mississippi, later serving as a supervision analyst. Robert moved into management with the NCUA in 2011 when he spent three years as a supervisory examiner in Birmingham, Alabama. In 2014, Robert was selected for the role of director of supervision for Region III in the Atlanta Regional Office. In November 2017, Robert was selected as Region III’s associate regional director of operations

Heather Bosenko

Joe Torre

Emeritus Contract Underwriter, MBS
Before he retired in 2016, Joe Torre spent 11 years with MBS as its VP of Credit. In that role, he managed the underwriting function and assisted our member institutions with a wide range of lending decisions. Joe’s career spanned more than 35 years, gaining experience as a corporate/commercial banker, credit officer, CFO and risk manager for several banks and financial institutions. Since his retirement from MBS, Joe has stayed involved as a contract underwriter in addition to traveling, fishing and working on his old car as much as he can.

Susan Williams

Susan Williams

Professor Emerita of Management, Belmont University
After receiving her Ph.D. from the University of Georgia, Susan taught in the University of Georgia system and at East Tennessee State University. She was a business owner and entrepreneur in Nashville for several years before she came to Belmont.

Susan is an active public speaker and consultant on topics related to management. Representative clients include HCA Healthcare, Disney, Caterpillar, HealthTrust Purchasing Group, Education Networks of America, Delta Dental, LP Building Products, Cracker Barrel, Notre Dame, First Tennessee Bank, Tractor Supply Company and the U.S. Army Corps of Engineers. Williams has been a regular contributor to The Source magazine, authoring a column titled “Management Matters.”

Register Now

Registration is now open for this year’s Summit. Register Now →

Cost: $375 for Partners, $475 for Non-partners.
Early Bird Promo: Enter to win a hotel room upgrade (which will give you a city view) at the group rate if your reservation at The Thompson is also made by Friday, January 26.
Registration deadline: Wednesday, March 7


MBS Partners: The registration fee will appear on your monthly invoice.
Non-Partners: Pay with a check by 3/7/18. Checks should be made payable to Member Business Solutions, LLC, and mailed to:
Member Business Solutions, LLC
3692 Coolidge Ct
Tallahassee, FL 32311

Cancellation and Refund Policy

Cancellations provided via email to before March 2, 2018, will be refunded the full, purchased amount. Cancellations received after March 2, 2018, are not refundable due to guarantees MBS must provide the hotel. Please cancel your room reservations directly with the hotel.

Your conference registration is transferable to another person at your credit union by notifying MBS at



The Thompson Hotel
401 11th Ave South
Nashville, TN 37203

Conveniently located eight miles from Nashville International Airport (BNA), The Thompson Hotel is a Southern luxury boutique hotel that features three on-site dining options overseen by James Beard award-winning Chef and Food Network star John Besh. 

Just steps outside the doors, and you will find dozens of dining, shopping, cultural attractions, and uniquely Nashville entertainment venues. Complimentary shuttle busses pick up outside our hotel every 15 minutes and drop off at Nashville’s must-see venues.

To reserve your room, call 800-210-9602, reference MBS2018, or make your reservations online. A discounted group rate of $239/night will be available until Wednesday, February 21, 2018, and rates are good three days before and after the event, based on availability. 

Regardless of when you book, you will receive complimentary Wi-Fi in all guest rooms and public spaces and access to a 24/7 fitness center.

Hotel check-in is 4:00 p.m. CT, and checkout is 11:00 a.m. CT.

Hotel discount parking of $20/night for valet will be available during your stay.

Nashville – Music City

Nashville is not only the capital of Tennessee, but it is also home to legendary country music venues, including the Grand Ole Opry House, home of the famous “Grand Ole Opry” stage and radio show. Downtown Nashville boasts The Country Music Hall of Fame and Museum and historic Ryman Auditorium, as well as the District, featuring honky-tonks with live music and the Johnny Cash Museum. The city of Nashville has received numerous awards, such as the following:

  • Travel + Leisure’s “Destination of the Year: Reader’s Choice”
  • Lonely Planet’s “Best in Travel: Top 10 Cities”
  • Forbes Travel Guide’s  “16 Top Destinations for 2016”
  • Noted as one of the “15 Hottest American Cities for 2015” by MS
  • Rolling Stone’s and Travel + Leisure’s Best Music Scene

Learn more at Visit Music City →