This website uses cookies to store information on your computer. Some of these cookies are used for visitor analysis, others are essential to making our site function properly and improve the user experience. By using this site, you consent to the placement of these cookies. Click Accept to consent and dismiss this message or Deny to leave this website. Read our Privacy Statement for more.
Tampa Conference Agenda and Speaker Information

EBA Winter Conference

January 15 - 18, 2017

Tampa, Florida




Agenda & Speakers
Hotel Info
Destination Info



EBA Gives Back Project

EBA Conference attendees are invited to join us for
EBA Gives Back: Your choice to participate in one of two charity activities, taking place on
Sunday, January 15 from 8am -12noon
Choose from The Ronald McDonald House, Tampa (activity limited to 8 volunteers) or
The Trinity Cafe (activity limited to 15 volunteers)
To sign up, add the optional ticket to your registration.


Conference Agenda last updated on: 1/11/17
Click here for a printable version and to read session descriptions
Please note this agenda is preliminary and is subject to change until final agenda is published.


Click here for Presenters' Bios


Sunday, January 15, 2017

8:00 AM – 12:00 PM                                          



EBA Gives Back Project (Advance sign up required)

  The Ronald McDonald House ~OR~ The Trinity Cafe 
1:00 PM – 4:00 PM   Registration Desk Open    


1:00 PM – 4:00 PM     



Exhibitor Set-up


4:30 PM – 5:00 PM



EBA Banker Only Session & Welcome New Bankers


4:30 PM – 5:00 PM


Welcome session for Affiliate Members



5:00 PM – 5:30 PM



EBA Business Meeting – All Attendees Welcome 


5:30 PM – 7:00 PM

  Evening Reception  


Sponsored by Partner Engineering & Science                                  

Monday, January 16, 2017


7:00 AM – 8:00 AM

  Continental Breakfast
  Sponsored by EDR


7:00 AM – 4:30 PM

  Registration Desk Open    


7:30 AM – 5:00 PM



Exhibits Open



8:00 AM – 8:15 AM



Opening Welcome & State of the EBA

  EBA Vice President
8:15 AM – 8:55 AM


Bridging the Divide: International Due Diligence for Corporate and Commercial Real Estate

  Presented by: Lyly Churchill, Partner Engineering & Science; David Hodge, AEI Consultants; and Nathan Brodeur, Goodwin Procter
Moderated by: Ryan Marcos, MUFG Union Bank


9:00 AM -- 9:30 AM


Is Dry Cleaning Becoming Greener as Chlorinated Solvents are Phased Out?
Presented by: Richard George, EBI
Moderated by: Bill Tryon, Partner Engineering & Science

9:35 AM – 10:20 AM



Lending Forecast: What You Should Be Thinking About Now


Presented by: Thomas Fink, TREPP; and K.C. Conway, SunTrust Banks, Inc.
Moderated by: Dianne Crocker, EDR Insight

10:20 AM – 10:50 AM



Special Thanks to EBA Gold Sponsors

10:50 AM – 11:30 AM

  Economic Impact of Water Scarcity in Florida


Presented by: Brenna Durden, Lewis, Longman, Walker LLP; and Dr. Seneshaw Tsegaye, University of South Florida
Moderated by: Holly Neber, AEI Consultants

11:35 AM – 12:05 PM

"Out of the Frying Pan into the Water: Emerging Contaminants Such as PFCs, 1,4-dioxane, PFCs  and Nano Particles are Here"

Presented by: Jeff Sotek, Amec Foster Wheeler; and Joseph Campisi, AEI Consultants
Moderated by: Cate Landry, BB&T

12:05 PM – 1:30 PM
Lunch and Presentation: Tips for Communicating with Diverse Personality Types
Lunch Sponsored by: ERI
Session presented by: Gayle Waldron, President, The Management Edge

1:30 PM – 2:05 PM

Update on Participations/ Syndications Project: EBA developing a fact-oriented spreadsheet for use by multiple bank reviewers for Participation/ Syndication loans

  Presented by: Mary Clare Maxwell, JP Morgan Chase

 2:05 PM – 2:25 PM


Banker Perspectives on Borrower Monitoring: Properties with Continuing Obligations/ Covenants and Reevaluation at Loan Renewal



Presented by: Stephen Richardson, TD Bank; and Mary Clare Maxwell, JP Morgan Chase

2:35 PM – 3:15 PM

SBA Topics: Internal SBA Evaluation of Reports and New Contaminated Property Lending Approach in Michigan

Presented by: Eric Benderson, Small Business Administration (SBA); and Mike Kulka, PM Environmental
Moderated by: Derek Ezovski, ORMS


3:15 PM – 3:45 PM




Special Thanks to EBA Gold Sponsors
3:45 PM – 4:30 PM
  The New Wild West of Vapor Intrusion – Reopeners & Due Diligence Strategies
Presented by: Kimberly Hale, Kazmarek Mowrey Cloud Laseter LLP; and Genna Olson, ATC Group Services
Moderated by: Alan Agadoni, ATC Group Services

4:35 PM – 4:50 PM


Waste Management: Beyond Landfilling



Presented by: John Tabella, SCS Engineers
Moderated by: Jeff Sotek, Amec Foster Wheeler

4:50 PM – 5:20 PM

Dry Cleaners Risk Tolerance

Presented by: Karen Nelson, ERI
Moderated by: Jenny Redlin, Partner Engineering & Science


5:30 PM – 6:45 PM

Evening Reception - "Tribute to Evan Henry"

Tuesday, January 17, 2017


7:00 AM – 12:00 PM

Registration Desk Open
7:30 AM – 8:45 AM
  Breakfast with the Board
  All Bankers and one member from each sponsor company invited

7:30 AM – 9:00 AM

  Continental Breakfast

7:30 AM – 1:30 PM

  Exhibits Open
9:00 AM – 9:30 AM

Policy Waivers and Risk Mitigation - Pros & Cons



Presented by: Cathy McGowan, Wells Fargo Bank; Jan Sheinson, BMO Harris Bank; and Rick Ferguson, US Bank
Moderated by: Cate Landry, BB&T


9:35 AM – 10:05 AM

  Legal Update: Recent Court Cases and Regulatory Actions
  Presented by: William Alpine, ATC Group Services; and Fred Dindoffer, Bondman PLC
Moderated by: Beth Sexton, PM Environmental

10:10 AM – 10:30 AM
Florida’s 3000 Abandoned Cattle Dip Pits
Presented by: John Sallman, Terracon
Moderated by: Craig Eaton, Terracon

10:30 AM – 10:50 AM


Special Thanks to EBA Gold Sponsors
10:50 AM – 11:20 AM

Data Liquidity: Efficiency is the Name of the Game



Session presented by: Michael Berman, Berman Consulting; Jamie Haberlen, EDR; and Dennis Firestone, CBRE

11:25 AM – 12:05 PM
  Intersection of Appraisal & Environmental  

Presented by: Jim Murrett, MAI, SRA, Appraisal Institute
Moderated by: Georgina Dannatt, Bank of the West

12:05 PM – 1:30 PM
  Lunch and Interactive Presentation: Developing Industry Consistency on “What is a REC?" 




Lunch Sponsored by: ERIS
Presented by: Julie Kilgore, Wasatch Environmental

1:45 PM – 4:45 PM*

Concurrent Sessions:

Banker Only Session

Led by Dave Lambert, Wells Fargo Bank; and Jan Sheinson, BMO Harris Bank

Topics under consideration include:

  • Syndication/Participation Spreadsheet Discussion
  • ERM Value Evaluation 
    • What is Management thinking and Ways to demonstrate ERM value
    • Identifying and maintaining the edge on upcoming regulatory (both environmental and OCC compliance) risks to the Bank
    • Discussion on Risk Appetite Changes
  • Facility Issues Survey
  • Environmental Loss Monitoring:  System of Record tracking for loans identified with environmental issues at the time of loan origination or pre-screen.  No-go funding, hold-backs/escrows, etc.
  • Outsourcing & Portfolio Reviews.  Outsource concepts, timing constraints, reviewing VJM work, VJM payment structure (direct recovery from business unit/borrower vs overhead budget). Pros/cons.
  • Contingency plan for the next downturn.  Self-performing limited due diligence in downturns.  Lessons learned from the last downturn.  How to ramp backup in pre-foreclosure mode?
  • Audits – What’s new? Past Experiences to Learn From

Affiliate Only Session

Led by Julie Kilgore, Wasatch Environmental; and Derek Ezovski, ORMS

  • REC/HREC/CREC Roundtable- Discussion of Unusual Cases and How to Categorize
  • Committee Opportunities- Website, Education, News
  • Open Discussion- Topics & planning for June 2017 Conference & Mid-Cycle Affiliates conference call
  *Includes afternoon break from 3:00 PM - 3:15 PM


5:00 PM - 7:00 PM



Board of Governors Meeting (closed meeting)

Wednesday, January 18, 2017
8:30 AM - 12:00 PM

EBA Banker Member Training

Getting from the Phase I to the Risk Management Decision

  • Phase I Environmental Site Assessments - State of the Practice
  • What Bank Reviewers Look for in a Phase I Report
  • Phase I Considerations
    • Limitations
    • Scope of Work
    • Impact of Timing
    • Consultant Approach
    • Conditions/Features Identified as Risks
  • Phase I Review Elements and Decision Making
    • Recognized Environmental Condition (REC) vs. Recommendations/Required Actions
    • Risk to the Bank: Business Risks vs. Environmental Health/Regulatory Compliance Related Risks
    • Opinion of Consultant vs. Bank’s Risk Tolerance/Perspective
  • Phase II investigations
    • Risk vs. Benefit of Conducting Sampling
    • Contract Considerations
    • Who Orders

Sponsored by EDR


Presented by: Julie Kilgore, Wasatch Environmental; Rita Wiggin, Commerce Bank; and Bill Sloan, Commerce Bank