A strong credit culture is the base of sound lending. This 60-minute credit risk management training shows you how to build, implement and maintain one using 14 credit discipline tools.
The tools work two ways: as a quick test of how strong your organization's credit risk management really is, and as techniques for fixing weaknesses and improving both credit culture and risk management. You'll look at the four types of credit culture, what regulators expect, and each tool from written credit policy and risk-driven analysis to a granular risk rating system, independent loan review and an adequate loan loss reserve.
WHY SHOULD YOU ATTEND?
Bank regulators and the market both expect excellence in credit risk management. These 14 tools give you a fast way to check the quality of your credit process and a practical path to remediate gaps in credit culture and risk management.
The session suits senior lenders, chief credit officers, CEOs, bank presidents and directors, credit risk managers and credit approval officers.
AREA COVERED
- The four types of credit culture and the optimal credit culture
- Elements of credit risk management
- Regulatory expectations for credit culture and credit risk management
- How credit discipline tools build and maintain credit culture and risk management
- Written credit policy
- Risk-driven credit analysis
- Uniform credit packages
- Experienced underwriting
- Informed decision making
- Proper loan approval with minimal credit policy exceptions
- A valid, granular risk rating system
- Reliable closing and booking with minimal loan documentation exceptions
- Loan performance monitoring and reporting
- Independent loan review and audit functions
- Adequate loan loss reserve
- Professional problem asset management
- Credit lending and training
LEARNING OBJECTIVES
- Identify the elements of a strong credit culture
- Explain how credit culture links to credit risk management
- Describe the 14 credit discipline tools that support strong credit risk management
- Use the tools to test and remediate credit culture and credit risk management
WHO WILL BENEFIT?
- Senior Lenders
- Chief credit officers
- Chief executive officers
- Bank presidents
- Bank directors
- Credit risk managers
- Credit approval officers
Bank regulators and the market both expect excellence in credit risk management. These 14 tools give you a fast way to check the quality of your credit process and a practical path to remediate gaps in credit culture and risk management.
The session suits senior lenders, chief credit officers, CEOs, bank presidents and directors, credit risk managers and credit approval officers.
- The four types of credit culture and the optimal credit culture
- Elements of credit risk management
- Regulatory expectations for credit culture and credit risk management
- How credit discipline tools build and maintain credit culture and risk management
- Written credit policy
- Risk-driven credit analysis
- Uniform credit packages
- Experienced underwriting
- Informed decision making
- Proper loan approval with minimal credit policy exceptions
- A valid, granular risk rating system
- Reliable closing and booking with minimal loan documentation exceptions
- Loan performance monitoring and reporting
- Independent loan review and audit functions
- Adequate loan loss reserve
- Professional problem asset management
- Credit lending and training
- Identify the elements of a strong credit culture
- Explain how credit culture links to credit risk management
- Describe the 14 credit discipline tools that support strong credit risk management
- Use the tools to test and remediate credit culture and credit risk management
- Senior Lenders
- Chief credit officers
- Chief executive officers
- Bank presidents
- Bank directors
- Credit risk managers
- Credit approval officers
