Current regulatory emphasis is on enhanced management of the credit function, both at the portfolio and transaction levels. The following is a statement from RMA’s Credit Risk Council 2014 Industry Insights. “Gone are the days when a good portfolio was sufficient. Credit quality is still the cornerstone of any commercial bank. However, without equally strong credit process, documentation, reporting, and integration with business plans and financial controls, the credit function will not meet current regulatory… expectations.” The intent of this webinar is to address the development and implementation of a sound credit risk management and administration framework for a community financial institution that meets regulatory expectations. We will discuss seven elements necessary to the success of a credit risk management program. Also we will address three separate roles relating to managing credit risk: (1) management of loan originations, underwriting, and borrower relationships, (2) management of loan administration and loan operations, and (3) management of overall credit risk position and management at the portfolio level.
Recorded Thursday, November 19, 2015
Continuing Education: Attendance verification for CE credits upon request
- Governance (organizational structure; duties, responsibilities, and authority; controls; and culture)
- Strategic guidance and direction
- Establish credit risk tolerance levels – risk appetite
- Making adjustments to credit risk profile – strategic goals for future risk position
- Credit risk assessment – current, projected, stressed, and event stress credit risk position
- Implementing essential systems
- Necessary credit administrative programs
- Controls: procedural policies
- Management and board reporting
- Portfolio management
- Loan concentration management
- New or expanded products and services
- Risk mitigation strategies and plans
- Development of a liquid and marketable loan portfolio
- Business development program
- Credit discipline in loan originations, underwriting, and borrower relationships
- TAKE-AWAY TOOLKIT
- Employee training log
- Quiz you can administer to measure staff learning and a separate answer key
WHO SHOULD ATTEND?
This informative session is for CEOs, presidents, CFOs, chief risk officers, senior credit officers, senior lenders, commercial loan officers, business loan officers, credit analysts, and all members of the risk management team.
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