“If you master emotional intelligence, disruptive change is your best friend,” Tim Sanders tells attendees Monday morning. Sanders is a best-selling author and CEO of Net Minds.

There’s a great deal of concern in the consumer lending industry about another potential housing bubble resulting from the many home equity lines of credit that will be exiting their draw periods during the next few years, says Ezra Becker, vice president, research and consulting, for TransUnion.

Business loans can have a positive effect on CUs’ bottom lines, says Vincent Vieten, NCUA’s program officer of member business lending. In fact, 98% of CUs that had business loans at year-end 2014 are well-capitalized.

Secondary market opportunities in business lending can be a great way to increase profitability, says Herb White, vice president of lending for Hudson Valley CU in Poughkeepsie, N.Y.

“How many of you enjoy your ALCO [asset/liability committee] meetings?” Joe Kennerson, managing director for Darling Consulting Group, asks attendees. While lenders might not find these meetings enjoyable, they’re crucial to the lending process. Kennerson urges attendees to use member data to support their risk position and execute lending strategies.

There has been a “demographic sea change” in the housing market, says Tammy Trefny, senior account manager for Fannie Mae. She says this change is characterized by “the rise of millennials, increased diversity, and a growing elderly population. New household growth is being driven by traditionally underserved segments.”

Crystal Jonas, president of Tap Your Genius Inc. (right), gives Helen Marrone, director of lending for Direct FCU, Needham, Mass., a lesson in emotional intelligence.

Not only do digital mortgages improve efficiencies, they create a better member experience, says Nizar Hashlamon, global sales lead for Accenture Mortgage Cadence. He addresses attendees Monday afternoon.