CONSUMER LENDING
NOW WHAT?!
Julia Brauner-SVP, Mercantil Bank
Heather Greis-VP, IBC Bank
Stephanie L Butler-Director, Advisory Services

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Consumer Lending…

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Consumer Lending…
There is a new challenge new everyday….
Tax bills
Natural disasters
Millennials (just kidding)
Regulations

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Welcome
• Julia Brauner, SVP-Mercantil
Bank
– Mercantil is a $8.5b bank with 22
branches
• Heather Greis, VP-IBC Bank
– IBC is a $12b bank with 204 branches

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New tax bill
• The new tax bill has everyone asking questions.
• How will the changes impact consumer confidence, business investment,
mortgage deductions, charitable contributions
• How may the new tax changes impact consumer lending?

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Demographic shift
• The population is aging
• Baby boomers are retiring and cashing CD’s
• Wealth is shifting to Generation X and Millennials
• What does this mean for consumer lending?
• How does Fintech play into this conversation?

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Disaster recovery plan
• 2017 was a year of natural disasters
• Banks have to be prepared with
Disaster Recovery Plans and
Procedures
• Both Mercantil and IBC faced
hurricanes in Houston and Miami
– Were your banks prepared?
– Were there plans in place?

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Gaining efficiency through credit scoring
• Many financial institutions want to gain efficiency and offer a better customer
experience.
• But few are willing to fully embrace the gains available through auto decisioning.
– DEFINITION: auto decision means a loan is approved or declined with NO HUMAN INTERVENTION.
• Where do Mercantil and IBC fall in this conversation?

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What conversation would be complete without…
• REGULATIONS!
• How are those HMDA changes going?

Questions?
stephanie.butler@bakerhill.com