Location: Oasis II

Welcome to Integrityland, an interactive journey through the complexities of corporate ethics. In this engaging session, each table will collaborate as a team to tackle real-world ethical dilemmas inspired by the equipment finance industry. Together, we'll explore the importance of integrity in decision-making, fostering thoughtful discussions and actionable solutions that can be applied in the workplace. With a focus on collaboration and insight, Integrityland offers a unique and meaningful way to address the critical role ethics play in building sustainable success.

No additional fee for conference registrants and brunch will be provided; however, we do ask that all participants register for this event through the online conference registration. Space is limited to 40 attendees.

Ford Clark, Principal, ClarkWork Consulting
Dana Pace, Senior Vice President, Director of Operations & Asset Resolution, PNC Equipment Finance

Location: Oasis I

Welcome Remarks
Dana Pace, Senior Vice President, Director of Operations & Asset Resolution, PNC Equipment Finance
Chair, Credit & Collections Committee

Surrounding Current Political and Policy Landscape of Tariffs and Trade
Andy Fishburn, Senior Vice President of Public Policy, ELFA

Hybrid Session – In-person and Virtual

Location: Oasis I

See and discuss the results from the 14th annual Credit Manager Survey. You will hear what your peers think about the current state of the economy, where portfolio performance is trending, which industries are being targeted for expansion and contraction, whether credit standards are becoming more aggressive or conservative, the direction of collateral values, the view of the regulatory environment, and many other timely and interesting credit-related topics.

Christine Holguin, EVP, Head of Credit and Operations, CCA Financial, LLC
Scott McCann, Senior Credit Officer, Pinnacle Financial Partners, Inc.
Patrick Moore, Vice President, Commercial Credit Analytics and Consulting, Equifax
Michael Mount, SVP, Credit Executive, U.S. Bank
Sarah Palmer, Head of Credit, AML and Commercial Finance, DLL

Hybrid Session – In-person and Virtual

Location: Oasis I

Ian Campbell, SVP / Director of Operations, Asset Compliant Solutions (ACS)
Robert Fagan, Senior Vice President of Managed Assets, Wintrust Specialty Finance
Daniel Goderis, Director, Portfolio Management, GreatAmerica Financial Services
Jackie Kirk, VP Collections & Customer Care, Western Equipment Finance
Kelby Spring, Sales Manager - Financial Services, Equifax
James St. Clair, Director of Legal and Loss Recovery, Crossroads Equipment Lease & Finance LLC

Hybrid Session – In-person and Virtual 

Location: Oasis II

Calling all First Time Conference Attendees! This is a great opportunity to meet with the Conference Planning Committee and fellow First Timers. No need to be intimidated, this is the event for those who are new! No additional fee to attend this event.

Location: Channelside

Join your fellow conference attendees for a fantastic start to the conference! Mix and mingle with new and long-time friends while visiting with our fantastic exhibitors. Lite fare will be served with an open bar. This event is included with all conference registrations.

Location: Lobby

Set sail on the waterways of Tampa Bay and Clearwater abroad Craft ,and delight in a private charter ride. Enjoy a two and a half hour cruise, three course plated meal and drinks, all while networking with fellow attendees. Boarding time is at 6:00 pm, sailing from 6:30 - 9:00 pm, and will depart from the Tampa Convention Center, just a short 5 minute walk from the hotel. Experience stunning Clearwater sunsets or the bright city lights of Downtown Tampa as you sip and savor your way through our upscale cuisine and cocktails. The $95 fee includes: boat cruise, a plated dinner, and open beer and wine bar.

Location: Channelside

Start your morning with a bite to eat and connect with our fantastic exhibitors. All attendees are welcome.

Location: Waterside 

By Invitation Only

Michael Mount, SVP, Credit Executive, U.S. Bank
Sarah Palmer, Head of Credit, AML and Commercial Finance, DLL

Location: Oasis I

Welcome Remarks
Dana Pace, Senior Vice President, Director of Operations & Asset Resolution, PNC Equipment Finance, Credit and Collections Committee Chair 

Presentation By
James Cress, Vice President & General Manager, Flex Financial, Stryker, ELFA Board Chair

Keynote Presentation: 2025 Economic Outlook 
Beth Ann Bovino, Chief Economist, U.S. Bank
Beth Ann Bovino is the Chief Economist at U.S. Bank, where she leads economic research that supports both the bank's operations and its clients. Recognized by The Wall Street Journal as a top U.S. economic forecaster, she is known for her insightful analysis of job markets, interest rates, and household spending. Passionate about the human side of economics, Bovino has published research on income inequality and childcare accessibility, and was inducted into the YWCA Academy of Women Leaders in 2018.

Hybrid Session – In-person and Virtual

Location: Oasis I

Artificial intelligence (AI) use in equipment financing is growing every day and will become more prevalent in the near term. This session will focus on using Artificial Intelligence in conjunction with automation and other tools to support your business activities. Using AI strategically to remove repetitive non-value-added tasks, improve information gathering, know your customer, manage your customer, contracts, and collateral, and to a lesser or greater extent, help with almost all aspects of lending. In the end, using AI to allow your organization to focus on the true value-added activities. This session is intended to provide a guide and framework to identify areas in your business where AI might be of value today.

Jim Tobin, Director Retail Credit, VFS US, Volvo Financial Services
Thomas Ware, President, Tom Ware Advisory Services, LLC
Scott Killian, Global Director Data, Volvo Financial Services
David Trost, Director of Product, Northteq

Hybrid Session – In-person and Virtual

Location: Oasis II

Join your industry peers discussing real fact case scenarios after default has occurred by the debtor. Expect to have lively roundtable discussions analyzing the various factors leading to your decision to recover the equipment, settle the obligation or sue for the balance owing or replevin of equipment. The fact patterns will encompass small, medium and large ticket finance problems after default in order to spark dialogue on the importance of weighing some factors over others.

Ian Campbell, SVP / Director of Operations, Asset Compliant Solutions (ACS)
Robert Fagan, Senior Vice President of Managed Assets, Wintrust Specialty Finance
Daniel Goderis, Director, Portfolio Management, GreatAmerica Financial Services
Jackie Kirk, VP Collections & Customer Care, Western Equipment Finance
Dana Pace, Senior Vice President, Director of Operations & Asset Resolution, PNC Equipment Finance
Martina Rider Porter, Partner, Hemar, Rousso & Heald, LLP
James St. Clair, Director of Legal and Loss Recovery, Crossroads Equipment Lease & Finance LLC
Jonathan Watt, Senior Vice President Asset Management, PNC Equipment Finance

Location: Coral Reef

In this interactive session, participants will engage in roundtable discussions on several small, middle, and large ticket equipment finance transactions. These case studies will highlight specific industries and circumstances that are occurring in the equipment finance market today. Session attendees will identify the key risks and mitigants in underwriting the transactions, and spark conversations regarding credit quality, transaction structure, documentation requirements, and workout strategies. Moderators will guide the discussions and introduce a variety of scenarios that highlight additional considerations that could impact the process and results. Come prepared to roll up your sleeves and contribute to the discussion!

Christine Holguin, EVP, Head of Credit and Operations, CCA Financial, LLC
Scott McCann, Senior Credit Officer, Pinnacle Financial Partners, Inc.
Tyler Meyerriecks, Director of Credit, JB&B Capital
Jim Tobin, Director Retail Credit, VFS US, Volvo Financial Services
Rob Vickery, SVP - Regional Credit Officer, Huntington Bank Equipment Finance

Location: Oasis I

Discover the driving forces shaping today’s most significant equipment trends in Construction and Trucking. This session will explore the latest market outlooks, sector-specific confidence indicators, and breakthrough developments impacting procurement, investment, and innovation. Industry experts will share data-driven insights, helping attendees understand where the sectors are heading—and how to stay ahead of the curve.

Patrick Moore, Vice President, Commercial Credit Analytics and Consulting, Equifax
Dana Pace, Senior Vice President, Director of Operations & Asset Resolution, PNC Equipment Finance
Jim Tobin, Director Retail Credit, VFS US, Volvo Financial Services
Jonathan Watt, Senior Vice President Asset Management, PNC Equipment Finance

Hybrid Session – In-person and Virtual

Location: Coral Reef

Along with their Bank Brethren, Independent and Captive Leasing companies face many challenges and opportunities as the economic cycle continues its chaotic path. Join us and your industry peers to dissect the hot topics you want to discuss, such as new state disclosure requirements, technologies, credit quality, Bank/Non-Bank differentiators, and other issues facing non-bank leasing companies.

Daniel Goderis, Director, Portfolio Management, GreatAmerica Financial Services
Christine Holguin, EVP, Head of Credit and Operations, CCA Financial, LLC
Jim Tobin, Director Retail Credit, VFS US, Volvo Financial Services

Location: Oasis II

This interactive session will allow attendees to discuss pertinent financing industry issues impacting Bank leasing companies. We welcome all those working at or with banks, no matter the size or product.

Scott McCann, Senior Credit Officer, Pinnacle Financial Partners, Inc.
Michael Mount, SVP, Credit Executive, U.S. Bank
Sarah Palmer, Head of Credit, AML and Commercial Finance, DLL
Rob Vickery, SVP - Regional Credit Officer, Huntington Bank Equipment Finance

Location: Channelside

Close out the day with a reception and discuss all the fantastic sessions you attended with your fellow conference attendees and exhibitors. All attendees are welcome.

Location: Channelside

Grab a coffee and connect with our fantastic exhibitors. Meet while you can this morning, exhibit tables close at 10:15am. All attendees are welcome. This event is included in all conference registrations.

Location: Coral Reef

Ian Campbell, SVP / Director of Operations, Asset Compliant Solutions (ACS)
Robert Fagan, Senior Vice President of Managed Assets, Wintrust Specialty Finance
Martina Rider Porter, Partner, Hemar, Rousso & Heald, LLP
Justin Pavek, Chief Credit Officer, Wallwork Financial
Jason Schachter, VP, Asset Management, Wintrust Specialty Finance

Location: Oasis II

Credit Scoring is very powerful, but it must be managed. This panel of practitioners will address the wide variety of issues ranging from setting and changing score cut-offs, potential auto-decisioning criteria, maintaining appropriate review rules, and risk-based pricing, to responding to economic conditions broadly, and within specific industries (e.g. trucking) that may require overlays and special credit requirements. And there are other factors, like credit capacity/comparable credit, or LGD, that often aren't directly considered in a score, but factor into decisioning. Similarly, score and analytical tools are used for portfolio monitoring and management, address issues of who to call/repo/sue, how loss reserves should be adjusted, and what to do differently at the front end.

Brett Boehm, CEO, TBF Financial, LLC
Adam Ohme, SVP, Director of Operations, Channel
James St. Clair, Director of Legal and Loss Recovery, Crossroads Equipment Lease & Finance LLC
Adam White, Director, Commercial Risk Solutions, Equifax
Thomas Ware, President, Tom Ware Advisory Services, LLC

Location: Oasis I

Martina Rider Porter, Partner, Hemar, Rousso & Heald, LLP
Alex Darcy, Shareholder, Darcy & Devassy PC

Hybrid Session – In-person and Virtual

Location: Oasis I

David Trost, Director of Product, Northteq
Li Mao, Product Manager, Experian
Will Mavromichalis, Commercial Solutions Executive, Equifax
Christine Holguin, EVP, Head of Credit and Operations, CCA Financial, LLC
Jim Tobin, Director Retail Credit, VFS US, Volvo Financial Services
Thomas Ware, President, Tom Ware Advisory Services, LLC
Alex Darcy, Shareholder, Darcy & Devassy PC

Hybrid Session – In-person and Virtual