Email to Order Archived Webinar!
Accurate and timely risk grading of commercial credits is a crucial component of any commercial lender’s credit risk management. Examiners’ and loan reviewers’ evaluations of a bank’s ability to assess and manage its credit risk are heavily influenced by the bank’s commercial loan-grading process and outcomes. This webinar will address issues important to implementing and maintaining an effective commercial loan-grading system. Topics will include the objectives of assigning risk grades to credits, considerations for defining a bank’s grading scale, and factors to consider when assigning risk grades. This webinar will also address ways to use risk grades to enhance overall credit risk management, including the role risk grades can play in developing an ALLL methodology that will be consistent with the requirements of the upcoming current expected credit loss (CECL) model.
HIGHLIGHTS
Considerations for the design of risk-rating scales and grade definitions
Guiding principles for effective use of a risk-grading matrix
How to effectively use subjective criteria in risk-grade assignment
Tips measuring the cash flow component of the risk grade
What measure of cash flow to grade on?
Should borrower or global cash flow be considered?
What examiners look for when evaluating commercial loan grading and its impact on overall credit risk management
The role risk grades can play in a CECL-appropriate ALLL methodology and in stress testing exercises
TAKE-AWAY TOOLKIT
Manual covering the material addressed during the presentation
List of helpful questions when evaluating the effectiveness of your risk-grading system
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Chief Credit Officers, risk managers, loan officers, credit analysts, and anyone involved in assigning, validating, or working with commercial loan grades.
ABOUT THE PRESENTER – Tommy Troyer, Young & Associates, Inc., manages the loan review function. In addition to assisting clients with loan reviews, he performs ALLL reviews, credit process reviews, and various other lending-related services. He also helps to develop and present seminars and webinars related to credit risk management. Tommy joined Young & Associates, Inc. from the Bank Supervision Group at the Federal Reserve Bank of New York, where he focused on credit risk management practices at supervised institutions. His work focused on the ALLL, stress testing, and risk monitoring and reporting practices. Prior to his time in bank supervision, Tommy worked in the Federal Reserve Bank of New York’s Research Group. Tommy holds a Bachelor’s in Economics from Wittenberg University.
No comments:
Post a Comment