Credit & Collections Management Conference June 5 7, 2016 Grand Hyatt Denver Denver, CO Leading Through Economic Peaks & Valleys
Credit & Collections Management Conference June 5 7, 2016 Grand Hyatt Denver Denver, CO Program Highlights The 2016 Economic Outlook, presented by Satyam Panday, Senior Economist at Standard & Poor s Would You Do the Deal? Discovering ways to strengthen the transaction and make it work Regulatory issues currently impacting the industry from both a bank and non-bank perspective What's Hot, What's Not in 2016? Risk management practices that make good business sense Review of credit and collections benchmarking data Multiple networking opportunities: Denver Museum of Nature & Science Dinner Event hosted receptions, senior management breakfast and women in leasing reception Who Should Attend? Senior Vice Presidents, Vice Presidents, Directors and Managers of credit and collections, Chief Credit and Risk Officers, credit analysts, collection associates, documentation specialists, and service providers to the industry. Get Maximum Exposure for Your Company Become an Exhibitor and/or Sponsor! Exhibiting and sponsoring events and functions at ELFA meetings provides excellent exposure for your company. Contact Steve Wafalosky at (440) 247-1060 or stevew@larichadv.com if you are interested in becoming an exhibitor and/or sponsor of this important event. 2016 ELFA Credit & Collections Management Committee BRETT BOEHM Principal/Director of Business Development TBF Financial BEN CARLILE Commercial Credit, Collections & Risk Management MARY DU PONT Principal Consultant Fair Isaac Advisors (FICO) DANIEL GODERIS Director of Servicing, Portfolio Services GreatAmerica Financial Services Corporation JENNIFER D. GOULD Shareholder Stark & Stark P.C. STEVE GREGG V.P. Analytic Solutions Dun & Bradstreet DUSTIN JEFFRIES Director of Operational Risk GreatAmerica Financial Services Corporation KENNETH H. KATZ Deputy Chief Credit Officer Wells Fargo Equipment Finance Inc. LOU MASLOWE Chief Risk Officer - Americas Region ERIC MCGRIFF Chief Risk Officer EverBank Commercial Finance, Inc. ANDREW G. MESCHES Director The Alta Group MICHAEL MOUNT - Committee Chair SVP, Credit Department Head US Bank Equipment Finance DANA PACE Senior Vice President Director of Operations & Asset Resolution PNC Equipment Finance FRANK PERETORE, ESQ. Attorney Peretore & Peretore, P.C. KEVIN P. PRYKULL Senior Vice President & Credit Executive PNC Equipment Finance JIM ST. CLAIR Outsourcing Director THOMAS E. WARE Senior Vice President, Analytics & Product Development PayNet, Inc. AMY L. WINGATE Sr. Manager, Global SP Credit & Global Workout Cisco Systems Capital Corporation
Sunday, June 5 th 11:00 am- 6:30 pm Attendee Registration LOCATION: Crystal Peak Foyer, Atrium Tower, 38th Floor 12:30-2:00 pm Welcome Remarks Presenter: MICHAEL (MIC) MOUNT US Bank Equipment Finance Credit and Collections Committee Chair 2016 Equipment Industry Panel Industry experts will address the ups and downs for lenders today in several major equipment sectors, as we start to enter a new phase of the economic cycle. Topics will include originations trends, portfolio performance, risk, and collateral values. PayNet and other data will support the dialogue, and provide a backdrop on the overall leasing economy. Moderators: DANA PACE THOMAS E. WARE PayNet, Inc. SHARI WILLIAMS Sumitomo Mitsui Finance and Leasing BOB HAWLEY Key Equipment Finance LOU MASLOWE 2:00-2:15 pm Refreshment Break 2:15-3:15 pm Legal Update JENNIFER D. GOULD Stark & Stark, P.C. FRANK PERETORE, Esq. Peretore & Peretore, P.C. 3:15-3:30 pm Refreshment Break 3:30-4:30 pm CONCURRENT SESSIONS Credit Manager Survey See and discuss the results from the 6th annual Credit Manager Survey. Find out what your peers think about the current state of the economy, where industry professionals think portfolio performance is going, which industries will be targeted for expansion and contraction, if credit standards are becoming more aggressive or conservative, if collateral values are improving or deteriorating, the view of the regulatory environment, and many other interesting credit related questions and answers. Presenters: MARY DUPONT Fair Isaac Advisors (FICO) KENNETH H. KATZ Wells Fargo Equipment Finance Inc.
PATRICK MOORE PayNet, Inc. MICHAEL (MIC) MOUNT US Bank Equipment Finance KEVIN P. PRYKULL Collections Effectiveness Survey LOCATION: Crystal Peak A Ballroom When managing your Collections Department, it is important to compare the effectiveness of your performance to your peers. This session will address the strategies and procedures your Collections Department needs to have in place to stay ahead of the curve. The results of the Collections Effectiveness Survey will provide industry benchmarks and collections best practices to help you improve your overall performance in these challenging times. In addition, you will learn about the latest trends/statistics in this area. Moderators: BRETT BOEHM TBF Financial JIM ST. CLAIR Presenter: BARRY RIPES PayNet, Inc. 4:30 pm 5:15 pm New Comers Reception LOCATION: Crystal Peak Foyer JENNIFER D. GOULD Stark & Stark, P.C. DANA PACE 5:00-6:30 pm Hosted Reception Exhibits Open 6:45 pm Buses Depart to Off Site Event LOCATION: Hotel Lobby 7:00-10:00 pm Off Site Event (Pre-registration required) Denver Museum of Nature & Science Sponsored by: Monday, June 6 th 7:00 am- 6:30 pm Registration Open LOCATION: Crystal Peak Foyer, Atrium Tower,38 th Floor 7:00-8:15 am Senior Management Breakfast LOCATION: Grays Peak, Atrium Tower, 2 nd Floor (Invitation required) Presenters: MICHAEL MOUNT US Bank Equipment Finance KENNETH H. KATZ Wells Fargo Equipment Finance Inc. KEVIN P. PRYKULL 7:00-8:15 am Continental Breakfast Exhibits Open 8:15-10:15 am Welcoming Remarks Presenter: MICHAEL MOUNT US Bank Equipment Finance State of the Association and State of the Industry Report Presenter: RALPH PETTA President and CEO Equipment Leasing and Finance Association
Economic Update 2016 10:15-10:30 am Refreshment Break SATYAM PANDAY, Ph.D. Economist, Global Economics & Research Standard & Poor s 10:30 am- 11:45 am New Lease Accounting Changes: Understanding the Implications The joint FASB/IASB project to change the global lease accounting standard has been a topic of discussion and speculation for over 10 years and it will become a reality in 2016. What does that mean for the equipment finance industry overall and for risk professionals in particular? Our panel will address the topic from multiple perspectives how the changes evolved over time, the practical consequences of the changes to equipment lessors and how the changes impact the credit adjudication process. Moderators: ANDREW G. MESCHES The Alta Group KEVIN P. PRYKULL DEBORAH A. BRADY Key Equipment Finance KEVYN DILLOW Moody s Investors Service RALPH PETTA President and CEO Equipment Leasing and Finance Association CHRISTOPHER PRYKULL Goldman Sachs 11:45 am 1:00 pm Hosted Luncheon LOCATION: Mt. Elbert B, Atrium Tower, 2 nd Floor 1:00-2:45 pm How Would You Do the Deal? How Would You Do the Workout? BEN CARLILE Consultant DANIEL GODERIS GreatAmerica Financial Services JENNIFER D. GOULD Stark & Stark, P.C. ERIC McGRIFF EverBank Commercial Finance DANA PACE FRANK PERETORE, Esq. Peretore & Peretore, P.C. JIM ST. CLAIR 2:45-3:00 pm Refreshment Break 3:00-4:15 pm CONCURRENT SESSIONS Using Analytics to Boost Your Bottom Line LOCATION: Crystal Peak Ballroom A As the economic cycle continues to be turbulent, the importance of strong modeling and analytics becomes even more vital to your success. Top Leasing Companies continue to explore innovative techniques to improve their model discrimination and increase automation, including the use of loss given default modeling, macro-economic data sources, and strategies which balance multiple performance outcomes. Join us as we discuss a variety of topics central to the theme of Data and Analytics, and provide best practices about how you can leverage analytic tools to enhance your profitability. MARY DUPONT Fair Isaac Advisors (FICO) STEVE GREGG Dun & Bradstreet
THOMAS E. WARE PayNet, Inc. New Challenges Facing the Collection Professional Today LOCATION: Crystal Peak Ballroom B & C This highly interactive session will cover many of today s concerns facing the collection professional. Be prepared to talk about roadblocks and ideas to better prepare your team for changes and challenges impacting your future. DANIEL GODERIS GreatAmerica Financial Services DANA PACE JIM ST. CLAIR 4:15 4:30 pm Refreshment Break 4:30-5:30 pm ROUNDTABLES Bank LOCATION: Crystal Peak Ballroom A This interactive session will allow attendees to discuss pertinent financing industry issues impacting Bank leasing companies, Captive finance companies, and Independent lessors. Discussion Leaders: KENNETH H. KATZ Wells Fargo Equipment Finance Inc. ERIC McGRIFF EverBank Commercial Finance MICHAEL MOUNT US Bank Equipment Finance KEVIN PRYKULL Non-Bank LOCATION: Crystal Peak Ballroom B & C Along with their Bank brethren, Independent and Captive Leasing companies face many challenges 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 technologies, new regulations and especially new competition. Discussion Leaders: BEN CARLILE Commercial Credit, Collections & Risk Management STEVE GREGG Dun & Bradstreet DUSTIN JEFFRIES GreatAmerica Financial Services Corporation 5:30-6:15 pm Women in Leasing Reception LOCATION: Capitol Peak Ballroom B JENNIFER D. GOULD Stark & Stark, P.C. DANA PACE 5:30-7:30 pm Hosted Reception Exhibits Open Tuesday, June 7 th 7:00 am- 11:00 am Registration Open, Atrium Tower, 38 th Floor 7:00-7:45 am Continental Breakfast Exhibits Open 7:45-9:00 am Federal Regulations The regulatory environment continues to evolve as existing directives are updated and new ones are introduced. While some lessors are impacted by these changes more than others, all lessors are affected by changes in the rules. This session will speak to some of the specific changes such as Section 1071 of the Dodd-Frank Act (ECOA) and Anti-Money Laundering, as well as other updates on the legislative front. Moderator: ANDREW G. MESCHES The Alta Group _
ANDY FISHBURN VP, Federal Government Relations Equipment Leasing & Finance Association ROBERT TORRESEN Sidley 9:00 10:00 am Managed Solutions This session is designed to further acquaint credit & collections professionals with the Managed Solutions product and provide information to better prepare industry members to deal with the distinctive risks and opportunities in this evolving market space. Among topics to be covered will be the new credit, assetrelated and other risks that the managed solutions product brings, compared to typical lease and loan opportunities. We will explore how lenders involved in managed solutions financing are currently addressing these risks as well as other risk mitigants that are under consideration. We will also discuss the global impact of managing service-type arrangement and what the potential solutions might be in an environment where all of the parties to the agreement do not desire ownership of the assets involved. Presenter: ANDREW G. MESCHES The ALTA Group MICHAEL J. TOBAK Kutak Rock LLP 10:00 10:15 am Refreshment Break 10:15 11:15 am CONCURRENT SESSIONS Disruptive Technology - Don't be a Dodo LOCATION: Capitol Peak Ballroom B How to adapt to the environment created by Alternative Lenders and changing demographics in the financial sector. Attend this session to learn more about new strategies, techniques, and marketplace solutions. MARY DUPONT Fair Isaac Advisors (FICO) DUSTIN JEFFRIES GreatAmerica Financial Services Corporation Risk Management Practices that Make Good Business Sense Risk Management for U.S. Compliance is one thing, but, as risk managers, our own responsibilities to mitigate losses are even more important. This session will focus on three practices that make good business sense. These best practices bring material value to our organizations. Join us to learn: 1) The best ways to develop and use Risk Dashboards 2) How to develop and use effective Portfolio Monitoring to make better forward looking decisions 3) Effective ways to provide credit training to your team even if there is no budget for it. Presenters: BEN CARLILE Consultant LOU MASLOWE ERIC MCGRIFF EverBank Commercial Finance, Inc
Registration and General Information Please register as far in advance as possible. Use one form per registrant: copy form for additional registrations. To ensure your name appears on the list of attendees ELFA must receive your registration form and payment no later than Friday, May 20, 2016. Note: You may also register for this conference online at the ELFA website www.elfaonline.org/events/2016/cc/. Registration fees: ELFA Member (1st Person): $1,225 Each additional ELFA Member representative: $1,105 Nonmembers: $2,450 Spouse/Companion Fee: $250 C&C Committee Member or Speaker Fee (attending entire conference): $610 Speaker Fee (if attending day of presentation/ one day only): waived Denver Musueum of Nature & Science Dinner $85 *Non-Members: Please read carefully 1. A non-renewing, Regular Member organization will be permitted to attend one ELFA conference as a nonmember and pay the applicable non-member registration fee. If the company wishes to attend another ELFA conference thereafter, it must join as a Regular Member. 2. An organization that has never been a member of the ELFA, and is qualified to be a Regular Member, is subject to the same attendance policy that applies to the non-renewing ELFA Regular Member: i.e., they will be permitted to attend one ELFA conference as a nonmember and pay the applicable non-member registration fee. If the company wishes to attend another ELFA conference thereafter, it must join as a Regular Member. 3. New members will receive a discount (the difference between the non-member and member registration fee) towards their dues if they attend a conference as a nonmember, pay the non-member registration fee, and subsequently join the ELFA within 60 days. To learn more about ELFA membership and its benefits, please contact Julie Benson at jbenson@elfaonline.org or 202-238-3432. Speaker/Committee Registration Fee and Fee Policy All speakers and committee members must complete and return the registration form. Speakers attending the entire conference pay half the registration fee (In this case $610). The fee is waived for speakers who are attending only on the day of their presentation. Committee members, regardless of length of stay at the conference, pay half the registration fee ($610). Please make sure you check the appropriate box on the registration form. If you have questions regarding these policies, please contact Heather Staverman at (202) 238-3414 hstaverman@elfaonline.org. Spouse/Companion Fee A spouse/companion attending any portion of the conference or social functions must be registered and must pay the spouse/ companion fee ($250). Please mark the appropriate box on the registration form. If your spouse/companion is employed in the equipment leasing and finance industry and wishes to attend any portion of the conference, the full attendee (ELFA member) registration fee is due. Mail-In-Address Note New Remittance Address Mail completed registration form and payments to: ELFA, Attn: Accounts Receivable 1825 K Street, NW, Suite 900, Washington, DC 20006-1231 Register On-Line Visit ELFA Online at www.elfaonline.org for information about this and other educational programs. Go to the Events & Training section for details on the agenda, speakers, location and registration information. You can register directly on-line via American Express, MasterCard, Discover, Diners Club or VISA on our secure server. You will receive a confirmation from the website. Register By Fax You may also fax your completed registration form to ELFA at (202) 478-0980. Please be sure to include the appropriate credit card information. An email confirmation will be sent to you.
Cancellations & Substitutions Cancellation Policy Refund minus $100: Should you need to cancel, refunds will be processed less a $100 administrative fee. No refund: No refunds of registration fees will be given for cancellations received on or after Friday, May 20, 2016. ELFA regrets that refunds will not be given for no-shows. Please Note: Cancellations by telephone will be accepted, but must be followed up with a letter that includes the name of the ELFA staff member who accepted the cancellation. This letter may be: a. mailed to Janet Fianko at ELFA Headquarters: 1825 K Street, NW, Suite 900 Washington, DC 20006-1203 b. faxed to (202) 478-0980, Attn: Janet Fianko, or c. emailed to Janet Fianko at jfianko@elfaonline.org Substitutions Substitutions for the entire program may be made at any time including on-site registration. Photographs Taken at the Conference Please Note the Following Photographs of speakers and attendees may be taken at this conference. These may appear in ELFA publications or on the ELFA website. By registering for this conference, you authorize ELFA the right to use any photographs taken of you during the course of the Credit & Collections Management Conference and Exhibition. In addition, attendees authorize ELFA to share your contact information, including but not limited to email address and telephone number with other registered attendees, sponsors, and exhibitors. For more information please contact Janet Fianko at jfianko@elfaonline.org. Membership Information If you are interested in joining ELFA, please call Julie Benson at (202) 238-3432, or check the appropriate box on the registration form. You may also email Ms. Benson at jbenson@elfaonline.org Denver Museum of Nature & Science Dinner (pre-registration and additional fee is required) For over 100 years, the Denver Museum of Nature & Science has been at the heart of cultural experience in Denver. The Museum is a treasured landmark of the City and boasts over 700,000 square feet of award-winning wildlife dioramas, gems & minerals, mummies, and our famous dinosaurs. The four-story West Atrium features the best view in Denver! Buses will leave at 6:45 pm from the conference host hotel and transport guests to the Museum. Dinner and drinks will be served as guests tour the museum facility. The $85 fee includes: transportation to and from the museum, dinner, open beer and wine bar and access to two museum exhibits. Denver Museum of Nature & Science Dinner Event Sponsored by Hotel Information A block of rooms is being held for attendees of the 2016 Credit & Collections Management Conference and Exhibition at the Grand Hyatt Denver Hotel, 1750 Welton Street, Denver, CO 80202. A special conference rate of $199 +14.75% tax single/double occupancy is offered to attendees. Please call the hotel directly at 303-295-1234 or use the link below before May 13, 2016 to ensure the group rate. Be sure to mention the group name ELFA Conference and company Equipment Leasing and Finance Association, in order to get the group rate. Reservations made after Friday, May 13, 2016 cutoff date are based on availability and may be at a higher rate. You may also make your hotel accommodations online at the Grand Hyatt Denver website: https://resweb.passkey.com/go/elfa16. Getting There The Grand Hyatt Denver is 40 minutes from the Denver International Airport. Denver taxicabs at the Denver International Airport offer a flat-rate charge for transport to downtown Denver for $55.57. Additional taxicab information may be found here: www.flydenver.com/parking_transit/transit/taxis. Exhibitor Opportunities Visit the ELFA website for additional details about exhibiting at this event www.elfaonline.org/events/exhibit/?fa=cc or contact Steve Wafalosky at (440) 247-1060 or stevew@larichadv.com.
Sponsorship Opportunities Sponsoring events and functions at ELFA meetings provides excellent exposure for your company. Contact Steve Wafalosky at 440) 247-1060 or stevew@larichadv.com if you are interested in becoming a sponsor for this important event. Below is a list of the remaining sponsorship opportunities at the ELFA Credit & Collections Management Conference and Exhibition: Materials Coffee Sleeves $3,000 Napkins $3,000 Conference Pens $3,000 Conference bags (eco-friendly) $3,000 SOLD Lanyard with company logo $3,000 Hotel Card Keys with logo $3,000 Electronic Materials Online Attendee Handouts $3,000 Attendee Roster $3,000 Wi-Fi in Meeting Rooms $4,000 Breakfasts Monday Continental Breakfast $2,500 Tuesday Continental Breakfast $2,500 Sr. Management Breakfast $2,000 Receptions Newcomer Reception $1,500 Sunday Reception $3,000 Monday Reception $3,000 Women in Leasing Reception $2,000 Luncheons Monday Luncheon $2,500 Inquiries If you have a question about this conference not related to registration, please contact ELFA s Business & Professional Development at (202) 238-3400. Email for registration inquiries: jfianko@elfaonline.org (Note: no registrations can be made by telephone) Email for conference brochure: jfianko@elfaonline.org CLE Credits If you are an attorney, and would like to obtain CLE Credits for attending the ELFA Credit & Collections Management Conference, please contact Janet Fianko at (202) 238-3420 or jfianko@elfaonline.org. Prior to the conference s date, please inform Janet Fianko from which state you re seeking to obtain CLE credits. CPE Credits ELFA is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credits. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Nashville, TN 37219-2417 or (615) 880-4200. Website: www.nasba.org. Individuals will receive 13 Management credit hours for attending the Credit & Collections Management Conference and Exhibition. For further information, please go to ELFA s website: http://www.elfaonline.org/pub/events/cec/ or contact Janet Fianko at (202) 238-3420 or jfianko@elfaonline.org. Attire Business casual is appropriate for this meeting. Sessions Keynote Speaker $3,000
CONFERENCE REGISTRATION FORM Credit & Collections Management Conference June 5-7, 2016 Grand Hyatt Denver Denver, CO Please register as far in advance as possible. Use one form per registrant: copy form for additional registrations. To ensure your name appears on the list of attendees ELFA must receive your registration form and payment no later than Friday, May 20, 2016. Note: You may also register for this conference online at the ELFA website www.elfaonline.org/events/2016/cc. You may also complete and return this registration form and mail with payment to: Equipment Leasing and Finance Association, Inc. Attn: Meeting Registration 1825 K Street NW, Suite 900 Washington, DC 20006-1231 Registration fees: ELFA Member (1st Person): $1,225 Each additional ELFA Member representative: $1,105 Nonmembers: $2,450 Spouse/Companion Fee: $250 C&C Committee Member or Speaker Fee (attending entire conference): $610 Speaker Fee (if attending day of presentation/one day only): waived Denver Nature & Science Museum Dinner Event: $85 Speaker/Committee Registration Fee and Fee Policy All speakers and committee members must complete and return the registration form. Speakers attending the entire conference pay half the registration fee (In this case $610). The fee is waived for speakers who are attending only on the day of their presentation. Committee members, regardless of length of stay at the conference, pay half the registration fee ($610). Please make sure you check the appropriate box on the registration form. If you have questions regarding these policies, please contact Heather Staverman at (202) 238-3414 hstaverman@elfaonline.org Non-Members: Please read carefully ELFA has a new non-member conference attendance policy. Please review this policy which can be found in the General Information Section of this brochure before registering for this conference. Name Nickname for badge Title Company Address City/State/Zip Telephone Fax E-Mail Address Spouse/Companion Option: Yes, I would like to bring a Spouse/Companion for an additional fee of $250. Spouse Name Spouse Nickname for Badge Special Networking Events Denver Nature & Science Museum Dinner Event On June 5th from 7:00 pm-10:00 pm, enjoy Denver s treasured landmark of over 700,000 square feet of award-winning wildlife dioramas, gems & minerals, mummies, and their famous dinosaurs. Please note, buses leave the hotel at 6:45 pm. $85 fee to attend. Best Practices Roundtables Please check ONE box for the roundtable(s) you would like to participate in. For more information, please refer to the Schedule of Events. Bank Non-Bank Women in Leasing Reception Yes, I will be attending the Women in Leasing Reception on Monday, June 6th at 5:30 6:15 pm. No additional fee to attend. Please contact me: Yes, I m interested in serving on the Credit & Collections Management Planning Committee. Yes, I m interested in becoming a sponsor at this conference. Yes, I would like information about my company becoming a member of ELFA. Please note the following: By registering for this conference you authorize ELFA the right to use any photographs taken of you during the course of the Credit & Collections Management Conference and Exhibition. Photographs may be used in promotional materials or stories that appear in professional publications. In addition, attendees authorize ELFA to share your contact information, including but not limited to email address and telephone number with other registered attendees, sponsors, and exhibitors. For more information please contact Janet Fianko at jfianko@elfaonline.org. For Credit Card Reservations: FAX this form to (202) 478-0980 Attn: Meetings Dept. VISA MasterCard Amex Discover Diners Club Total Amount to be charged $ Exp. Date Card Number CVV Name & Address as it appears on billing statement (PLEASE PRINT) Signature
Help Us Understand What You Want From Your Association! To ensure that ELFA focuses its efforts and resources on what you do, please complete the following two sections. Note: Registration for this conference cannot be completed without this information. Section I. I am primarily involved in the following market (choose one) Small Ticket Transactions under $250,000 either individually or through lines Middle Market Transactions between $250,000 and $5 million either individually or through lines Financial Institutions Financial services companies (commercial banks, investment banks, multi-line finance companies) engaged in middle market and large ticket sectors Captive & Vendor Program Vendor and manufacturer support activities either as a third party or captive organization Service Provider All Associate members of ELFA. Primarily involved in providing legal, accounting, software and systems support, as well as other specialized professional services Section II. My Primary Job Function and Areas of Interest (Choose no more than three) AC Accounting and Finance (Controller, Treasurer) AM Asset Management (Appraiser/ Equipment Remarketing CE Business Head or C-level Executive CM Capital Markets (Securitization/ Funding/Investing) CO Collections and Workouts CT Consulting and Research GR Government (State and Federal) HR Human Resources (Recruiting/ Training) For Office Use Only: Date Approval Code Amount Account #4110-0304000 IT Information Technology LG Legal MK Marketing (Public Relations/ Communications) OP Operations (Administrative/ Documentation) PR Pricing and Underwriting RM Risk Management (Credit/ Insurance) SA Sales and Business Development (Broker/Municipals) SN Syndications TX Tax UN Academic (Student/ Educator)