As I begin my term as President of the Wisconsin Chapter of RMA, I have used this opportunity to reflect upon the events and changes that have occurred within our industry over the past 36 months. To name a few, we are experiencing a prolonged economic slowdown, loan portfolio quality has deteriorated, interest rates are at levels not seen in two generations, and global conflict continues to create uncertainty in the financial markets.

In this environment, are we, as leaders within the financial services industry prepared to face these challenges? Are we prepared to do our part - to participate in and guide an economic recovery? Do we have the tools and resources available to be successful in this endeavor?

I believe we are, we will and we do! Over the past several years, I have been exposed to the vast resources RMA makes available to its members. Our national trade organization’s leadership, direction, resources and membership rosters have never been stronger. State chapters throughout the Country remain vibrant, active and committed to the needs of its membership.

As RMA members, I would encourage you to continue to do your part to keep this momentum moving forward. Participate and encourage your associates to participate in RMA events and educational programs. Share your knowledge and experiences, so others within your organizations and within the industry may benefit. This newsletter details the programs and events that the Wisconsin Chapter plans on delivering to you this year. I hope to see you and your associates take advantage of these opportunities.

As always, if you have questions, concerns or comments about RMA please feel free to contact me.

Scott Ciano
RMA Wisconsin Chapter President 2003-04