ACG Detroit | The Competitive Lending Landscape: Market Pressures/Dynamics


Event Details


October 3, 2023 8 AM - 10 AM EDT

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After recent Bank failures, the industry is facing the most significant shift in the American banking landscape since the 2008 financial crisis. As banks work to put that painful episode in the rear view mirror, it’s unclear if the situation has stabilized or if it’s the calm before another storm.The rippling effects of this collapse is impacting all businesses and consumers alike.  

Over the past year, Banks have tightened their credit metrics with a more targeted approach on deposits. Economically, interest rates continue to rise, increasing costs of labor and supplies put pressure on profitability for business owners, and valuations still relatively high, this creates a set of circumstances that have forced Banks adjust their business models to address competition and relationships with their prospective and existing customers.

Join us as our panel of experts discusses the current lending environment, what they experience in the marketplace, the headwinds/tailwinds they anticipate, as well as the many issues facing commercial bankers, asset based lending, and real estate, with a middle-market emphasis.  

Members: $60

Non-Members: $85



Larry Gardner

Larry Gardner (Moderator)

Lawrence Gardner Associates

Mr. Larry Gardner established the consulting firm of Lawrence Gardner Associates (Troy, Michigan) in 1982. He is a former president of First Citizens Bank, Troy, and was a partner in Gardner Taylor Associates, a financial and managerial consulting firm. His prior positions also include Strategic Planning Officer at Citicorp, New York; Account Officer for Multinational Lending, Citicorp, Ecuador; and head of the National Division and representative to the Chrysler Corporation loan restructuring for City National Bank of Detroit (now PNC). He received his undergraduate Business Degree and Masters of Finance and International Business from the University of Wisconsin, is an alumnus of the University of Michigan Graduate School of Bank Management and attended the Advanced Program in Banking conducted by Harvard Business School faculty members while employed with Citicorp. He previously was an Adjunct Lecturer in management at Walsh College and on its Advisory Committee for the Master of Science Degree in Finance program. Mr. Gardner specializes in loan structuring and workouts, cash management applications, private debt placement, company valuations, due diligence and strategic planning, and has served on the Board of Directors of closely held companies. 


Terri L. Cable

First Merchants Bank
Regional President

Terri Cable is the President for the Michigan region. With nearly 30 years of banking experience, Terri has held many leadership roles with National City Bank, PNC, First Merit, as well as with Bank Administration Institute. This experience includes senior level management roles in corporate banking, wealth management, capital markets, research and business intelligence. Early in her career, Terri was an accountant with PriceWaterhouseCoopers, LLP in the Audit and Special Projects Unit.

Her educational background includes a Master of Business Administration in Finance and Marketing from The Ohio State University and a Bachelor of Science in Accounting from Miami University in Oxford, Ohio. Ms. Cable maintains an active Certified Public Accountant designation.

Photo of Dimitrius Hutcherson

Dimitrius Hutcherson

First Independence Bank
Chief Administrative Officer & Chief Technology Officer

Dimitrius Hutcherson works for First Independence Bank as Executive Vice President, Chief Administrative Officer & Chief Technology Officer. In this role, he has responsibility for the Human Resources, Technology, Retail Banking, and External Affairs. Dimitrius is an experienced Board Member and results-driven Finance, Operations and Technology Executive with extensive experience in developing companies from early stage through fruition and commercializing ideas. He is a member of the Bank Board IT Committee, HR/Compensation, Committee, Asset/ Liability Committee, Audit Committee and External  Affairs Committee. Report to Chairman & CEO. He has over 30 years of work experience at private and public organizations. His relationship management/advisory experience includes soliciting from and presenting to numerous public officials, boards, agencies, commissions, foundations, private investors and community stakeholders. He has been a trusted advisor to publicly traded, closely held, non-profit, private equity portfolio companies and the federal government. He has spectrum proficiency in experience in management consulting,
commercial lending, technology in financial services, managing start-ups, and strategic planning. Dimitrius is Chairman Emeritus of the National Black Child Development Institute, Inc., Board Member, Michigan Strategic Fund (Gubernatorial Appointment), Board Member and Treasurer, Harvard Business School Club of Michigan; Board Member, Michigan Roundtable on Diversity & Inclusion; Board Member, Detroit Economic Growth Corporation; Board Member Junior Achievement of Southeastern Michigan and Board member, the Wendy Hilliard Gymnastics Foundation. He served as Vice Chair of the Board of Trustees of the Lincoln University of Pennsylvania where he chaired the Investment Committee (Sept. 2015 – Oct. 2020) He is an Online Adjunct Instructor at the American University, Kogod Graduate School of Business, a member of various technology, finance and community boards, and has served as a professor and guest lecturer at several educational institutions, conferences and workshops. Dimitrius has prior work experience in senior level roles at PNC Financial Services Group, Deloitte Services, LP, Freddie Mac, GMAC Commercial Mortgage, GE Capital, Ernst & Young, LLP and JP Morgan Chase. Dimitrius earned a BA degree in Finance, cum laude, at Morehouse College and an MBA in Finance and
Business Strategy from the Harvard Business School.

Randall Book Headshot

Randall Book

Executive Vice President - Detroit

Randy has been in the commercial real estate sector for almost 30 years and is currently working at Colliers as an Executive Vice President leading a team of four. Throughout his career, Randy has concentrated his practice on Tenant and Landlord Representation for lease evaluation, renewal, and lease negotiations. He has completed transactions that included office space, building sales, land leasing, and several build-to-suit projects ranging in size from 5,000 to 500,000 square feet. 

Prior to joining Colliers, Randy worked for Grubb & Ellis, Cushman & Wakefield, and Farbman & Stein Real Estate Company. Randy has served as one of the lead strategists for the Tenant Advisory Group; a team of senior advisors within Grubb & Ellis, located in major cities that represent multi-market corporate users of office and industrial space. 

Randy’s drive to help his clients has proven successful for him as he manages diverse transactions on behalf of clients, ranging from complicated lease renewals to site selection and negotiations for build-to-suit requirements. Randy executes with all sized projects, including a sampling of ongoing projects with Masco Corporation; totaling 30,000,000 square feet, ITC International, A123, TSC of Michigan, St. John Hospital, Oakland County Development, Kennametal, UBS, New York Life Insurance, Hewlett 
Packard, DTE Energy, Siemen’s Automotive, Giarmarco Mullins & Horton, Sprint, and MCI.

Randy’s focus over the last several years has been to bring new businesses to the state of Michigan and has traveled to Europe, Korea, Dubai, Indonesia and China to procure and develop these relationships.


Photo of Ed Lewan

Ed Lewan

Bank of Ann Arbor
Asset Based Lending – Group President

Ed has over 35 years of commercial lending and asset-based lending experience with Michigan National Bank, Greenfield Commercial Credit, LLC (a private unregulated commercial finance company), mBank Business Credit - a division of mBank and is currently Group President of the Asset Based lending group at the Bank of Ann Arbor.  

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