1 NICCM MARQUETTE UNIVERSITY COLLEGE OF BUSINESS ADMINISTRATION National Institute on Consumer Credit Management National Institute on Consumer Credit Management Providing the highest quality training of current branch managers and team leaders Marquette University Milwaukee, WI June 3-8, 2012
2 WILLIAM J. HUNTER, PH.D. Director, National Institute on Consumer Credit Management Marquette University, College of Business Administration Dear Financial Services Executive The 62nd session of the National Institute on Consumer Credit Management (NICCM) will meet June 3-8, 2012, at Marquette University. Established in 1950 by Marquette University and the Wisconsin Consumer Finance Association, NICCM is supported by the College of Business Administration of Marquette University and the AFSA Education Foundation. As Director of the Institute, I am proud of my association with the consumer finance industry leaders who have worked with me and served on the NICCM board. What has struck me most is that many who attended NICCM in their early years of development as managers and executives the attendees of the 1970s and 1980s are now in the highest positions of leadership both with their firms and within the industry. NICCM provides high-quality training for branch managers and team leaders who are on the fast track in their career development. Managers who complete the two-year program at Marquette University will certainly be among the industry leaders as we move further into the 21st century. The NICCM program provides a valuable and enriching experience in layered modules of learning. Management I, the first year, provides a sound basic knowledge for financial managers, and Management II, the second year, builds on this with applications and higher-level skills. NICCM: Benefits newly promoted supervisors; Expands the horizons and skills of your most promising managers; Prepares participants to advance to the next level within your organization; and Broadens knowledge and understanding of the consumer finance industry. As you know, it is critical for the growth and survival of your company that the next generation of leadership be identified and trained to take on the responsibilities of leadership. For more than 60 years, NICCM has been a key component in the development of these leaders, and continues to provide cutting-edge training for high potential managers. Take the time now to select your high potential leaders for the 2012 program and provide them with the opportunity to broaden their knowledge and sharpen their skills for the challenges that lie ahead in this ever-changing industry. William J. Hunter, Ph.D. Director, National Institute on Consumer Credit Management Marquette University, College of Business Administration
3 BOARD OF GOVERNORS WHAT NICCM CHAIR AND CLASS REPRESENTATIVES HAVE TO SAY... TIMOTHY L. STANLEY Chair, NICCM Board of Governors Heights Finance Corporation ROBERT W. AIKEN Lendmark Financial Services WILLIAM C. FULLER General Manger Tidewater Finance Company CHARLES HARRIS President Security Finance Corporation of Spartanburg WILLIAM J. HUNTER, PH.D. Director, NICCM Associate Professor of Finance SUSIE IRVINE AFSA Education Foundation SHARON Y. MOORE VP, Director of Operations Absolute Loans, Inc. ANDREW MORRISON Executive Vice President Brundage Management/ Sun Loan Company MARK ROLAND President and COO World Acceptance Corporation STEVAN P. SCHMELZER Personal Finance Company CHRISTOPHER S. STINEBERT American Financial Services Association WILLIAM C. STURM Attorney at Law Rausch, Sturm, Israel, Enerson, & Harnik, S.C. SCOTT A. WISNIEWSKI President Western-Shamrock Corporation TIMOTHY L. STANLEY Chair, NICCM Board of Governors, Heights Finance Corporation As a firm believer in investing in our leaders, I highly recommend NICCM s program at Marquette University. Managers who attend the program are taught by well-regarded consumer finance experts, including industry executives, and have the opportunity to network with peers throughout the industry. This a a unique and invaluable experience for your leaders. For me and my company, it is one of the best investments we make in our people and our future. REGINA DuROCHER KEEFE Management I Class President Branch Manager, Personal Finance Company My participation in NICCM was a wonderfully rewarding experience. I went into the program hoping to learn and expand my abilities as a manager, and I came out with so much more. I have taken from this course a newfound sense of self-worth, confidence and more knowledge about our industry than I could have hoped for. This was such an amazing learning opportunity for me, not just in my daily job responsibilities, but for my career and my future. I have taken away from the NICCM meeting new goals for my career and the tools to achieve them. I strongly suggest that anyone with hopes of furthering their career in the financial industry participate in this program. The instructors are full of knowledge and are truly there to help us better ourselves and our industry. I am honored to have represented our class at the annual board meeting. It was very important to me to provide feedback to help an already amazing program become even better. I look forward to the next year s class and all it has to offer. JEFF KING Management II Class President Lendmark Financial, South Carolina Division AVP The NICCM program has truly been a great experience. Dr. Hunter, the professors and AFSA Industry leaders have worked to train some of the top leaders in our industry. The NICCM instructors are bar none the best of the best. You will leave here with added confidence and new ideas that will help you succeed in the future. Also the networking opportunities that you will have with other company participants will be beneficial down the road as you continue your careers.
4 COURSES FOR MANAGEMENT I BUSINESS ETHICS Discuss the responsibility of employees to follow sound ethical business practices; Review the positive impact that ethical behavior has on a firm and its relationship with customers; and Examine ethical decision making in the context of industry issues. PERFORMANCE MANAGEMENT Gain valuable management skills to help identify, retain and motivate employees; Learn the six-step process for conducting effective and enjoyable performance evaluations; and Participate in role-playing using the six-step process. MANAGING RATES AND PROFITS In an era of rate cap legislation, it is vital that we understand the relationship between rates and profits, and what caps would mean to the availability of traditional installment loans. COMMUNICATIONS Learn to communicate with confidence, assurance and clarity; Speak effectively to one or 100; Choose the most appropriate language to get your message across; and Coach employees on effective telephone techniques. FINANCIAL SERVICES LAW I Provide an overview of chapter 7 and 11 bankruptcy issues and procedures; Discuss from consumer lender point of view: repossessions, foreclosures, the Statue of limitations and selecting, compensating and auditing collection attorneys; and Review post judgment remedies, including garnishments, property executions, debtor exams, and contempt motions and penalties. CONSUMER LENDING Review the principles and fundamentals of unsecured lending: gain an understanding of unsecured lending trends; Provide history of the regulatory environment regarding unsecured lending; Analyze the impact of current state and Federal regulatory turmoil on credit availability in the US; and Utilize case studies and scenarios that focus on both corporate level and local management s strategies and results. BASIC CPR FOR TIME MANAGEMENT Identify time wasters and develop action plans for dealing with each one; and Take a quick look at time-saving strategies to get you on track to getting the most out of every day. KEVIN GIBSON, PH.D. College of Business Administration Marquette University SHARON Y. MOORE VP, Director of Operations Absolute Loans, Inc. ANDREW MORRISON Executive Vice President Brundage Management/Sun Loan Company JOHN BEAVIN President John Beavin Seminars TBD Attorney at Law Varga Berger Ledsky Hayes & Casey MARK S. ROLAND President and COO World Acceptance Corporation RANDY GREGG, PH.D. CEO Corporate Performance Resources LEADERSHIP LESSONS Discuss attributes critical for successful leaders; Assess your own leadership style; and Learn leadership techniques for inspiring others.
5 COURSES FOR MANAGEMENT II ANALYSIS OF FINANCIAL STATEMENTS Basic overview of financial statements; and Obtain an understanding of financial statements and footnote disclosures. KELLY M. MALSON Chief Financial Officer, World Acceptance Corporation COMPETITIVE ENVIRONMENT Examine the changing role of the consumer finance industry and how competitors such as banks, credit unions and thrifts influence credit making decisions; Review the important role that state and federal legislation and regulation has on consumer credit s accessibility and affordability; Study the Obama administration s Dodd-Frank Act s impact on financial reform and specifically how the new Consumer Financial Protection Bureau might impact your business; and Investigate the function of military lending and its impact on new restrictions for consumer loans. CHRIS STINEBERT President and CEO American Financial Services Association EMPLOYMENT LAW Review Federal laws covering such topics as wrongful termination, workplace harassment and unlawful retaliation; and Analyze the effects of legislation and judicial decisions on employee relations. FINANCIAL SERVICES LAW II Review Federal Truth-in-Lending laws; Discuss Equal Credit Opportunity; and Discuss privacy and credit reporting issues and law. DAVID HERTEL HEATHER TILTMANN Attorneys at Law Whyte Hirschboeck Dudek, S.C. Johnson Controls, Inc. AMY SALBERG Attorney at Law Whyte Hirschboeck Dudek, S.C. FUNDING STRATEGIES Explore sources of funds for financial institutions, including the use of derivatives and securitization; and Discuss the financial and competitive implications resulting from enhanced funding techniques. MARKETING STRATEGY Study how to apply basic marketing strategies to acquire and retain customers; Study competitive marketing strategies to ensure marketplace presence; and Discuss the advantages of centralized versus decentralized marketing. MONETARY SYSTEM Review the United States monetary system with particular emphasis on the role of the Federal Reserve System in regulating the supply and costs of funds; and E xplore the changing roles and services provided by financial institutions. STRATEGIC PLANNING Study the role of senior management in establishing long-term corporate strategic goals with emphasis on methodologies and techniques; and Create a blueprint for future success with personal strategic planning. HOW YOU CAN BE A GREAT COACH AT WORK Learn how coaching drives productivity; Discover employee s talent, develop potential, and create leaders for the future through coaching; and Look at the skills, strategies, and practices you can use to coach great performance. ANTHONY PENNINGTON-CROSS, Ph.D. Association Professor of Finance Marquette University STEPHANIE D AMICO Senior Account Executive, SourceLink FARROKH NOURZAD, PH.D. Professor of Economics, Marquette University STEVAN P. SCHMELZER Personal Finance Co. RANDY GREGG, PH.D. CEO Corporate Performance Resources LEADERSHIP LESSONS Discuss attributes critical for successful leaders; Assess your own leadership style; and Learn leadership techniques for inspiring others.
6 GENERAL INFORMATION AND REGISTRATION ENROLLMENT Open to individuals associated with the financial services industry, including diversified financial institutions, consumer and sales finance companies, credit card companies, retail companies, auto finance companies, and independently-owned and operated finance companies. ARRIVAL/DEPARTURE Participants should plan to arrive early afternoon on Sunday, June 3rd, to attend an orientation, social, and dinner starting at 5:00 p.m. at the Doubletree Hotel by Hilton. Departure should not be scheduled until after 12:00 p.m. on Friday, June 8th. AIRPORT Milwaukee s General Mitchell International Airport is located approximately 10 minutes from the Doubletree Hotel by Hilton and Marquette University. The Airport Connection Shuttle booth is located in the airport in the baggage area. The cost to the hotel is $20 per person, round trip. For information call: or or visit Taxis are available directly outside of the baggage claim. Rental car companies are also located at the airport. HOUSING Doubletree Hotel by Hilton 611 West Wisconsin Avenue, Milwaukee, Wisconsin 53203, Tel: (414) Accommodations are included in NICCM tuition Sunday through Thursday night. Additional nights may be added at your expense. Please indicate any extra nights on your enrollment application. The fee includes all instructional materials, classroom facilities, housing for 5 nights, breakfast will be provided each day at the hotel (breakfast coupons available at check in), lunch (Monday Thursday) and 2 evening dinners (Sunday and Thursday). MARQUETTE UNIVERSITY Marquette is located in the heart of downtown Milwaukee blocks from the shore of Lake Michigan. Classes are held in the high tech David A. Straz, Jr. Hall College of Business Administration building. Parking is available in Lot F between 13th and 12th St. on W. Wells Street. Guest passes are available. DRESS/CLIMATE Business casual attire such as blouses, shirts and long pants is appropriate for class sessions. Business attire such as a suit is required for dinner on Thursday. It is advisable to bring a sweater to class each day, as there are differences of opinion concerning comfortable room temperatures. Early June weather will normally be in the 70 degree range with cool nights, but can vary between the 50s and the 90s and there also can be sudden late-spring showers. CERTIFICATE Participants who successfully complete the requirements of the NICCM program will be awarded a certificate of completion. Mandatory attendance to receive this certificate is required to complete the program. FOR MORE INFORMATION Registrants will receive confirmation and information in early May from NICCM. If you have any questions: Phone: (414) / Fax: (414) / Website: and CANCELLATION POLICY Due to the fact that enrollment will be limited, cancellations must be submitted in writing to the address below and are subject to the following policy: Cancellation of enrollment or substitutions will be accepted on or before April 30, Cancellation between May 1-11, 2012, will be charged a fee of 50% of the tuition. Substitutions accepted. After May 11, 2012, substitutions will be accepted but no refunds will be made.
7 REGISTRATION PROGRAM FEE Management I AFSA Member Fee $2,100 Non-Member Fee $2,300 Management II AFSA Member Fee $2,100 Non-Member Fee $2,300 All program fees must be paid in full prior to the beginning of the Institute. SEND CHECK AND APPLICATION TO: AFSA Education Foundation NICCM Attn: Susie Irvine 919 Eighteenth Street NW, Suite 300 Washington, DC Registration is now available online at REGISTRATION DEADLINE APRIL 30, 2012 REGISTRANT INFORMATION (Please print or type) Applicant s Name Last First Middle Initial Age Badge Nickname (preferred first name) Position/Title Number of Years in Industry Company Business Phone Home Phone Cell Phone Business Address City/State Zip Applicant s Address Business Fax Company s Home Office Address City/State Zip Applicant s Home Address City/State Zip For class purposes - Can this information be listed on a class roster and given out to class participants? Yes Education Background: High School: Yes No College or University: Yes No If yes, degree obtained Have you attended the Institute before? Yes No If yes, state year No Supervisor s Name Supervisor s Title Phone Supervisor s Office/Address City/State Zip Local Area Newspaper Applications must be signed by your supervisor or a designated company official. Supervisor/Certifying Officer Position Signature Date Applicant Signature Date
8 919 Eighteenth Street, NW, Suite 300 Telephone: 202/ Washington, DC Fax: 202/ Website:
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