The following webinar is no longer available.

If you have any questions or comments please give us a call at 1.800.348.1831 or submit a form here and we will get back to you as soon as possible. Please visit our Educational Services page for more webinars.

Event Name:Regulatory Expectations of Bank and CU Credit Processes (2-Part Series)
Date:Monday, November 26, 2018 11:00am CST
Presented By:BankersHub
Panelist(s) Info: John Barrickman  (Bio)

For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide.  John is also a Consulting Associate for Capital Performance Group.

Credits:3.0 CPE Credits

The current credit environment and regulatory pressure have forced the management of many financial institutions to reassess the institution’s credit process.  Several institutions have found their credit process does not provide adequate sophistication to properly manage increasing portfolio risk.  Other institutions have determined that as the bank or credit union has grown, the regulators’ expectations of required sophistication of the institution’s credit process have changed.

New tools are being developed to predict portfolio performance and proactively manage portfolio risk.  These tools are being employed effectively by community banks and credit unions as well as large banks to not only better manage portfolio credit risk but also build competitive advantage.

This up-to-date credit webinar will provide participants a critical overview of best practices in credit risk management.  Regardless of whether the best practices covered are new or refresher material, participants will be able to benchmark their institution against regulatory expectations and industry best practices.

Best Practices covered in this 2-part loan webinar:

  • Determining risk appetite and risk tolerance
  • Developing a sound credit culture
  • Defining the model portfolio
  • Loan policy/procedures
  • Organization of the lending function
  • Asset quality rating framework
  • Loan officer responsibilities, workload, performance, appraisal and incentives
  • Comprehensive portfolio monitoring/reporting
  • Regulatory guidance for institutions with concentrations in commercial real estate, including HVCRE-ADC
  • Portfolio stress testing in an environment of rising interest rates
  • Allowance for loan and lease losses methodology (CECL)
  • S2155 Economic Growth, Regulatory Relief and Consumer Protection Act (EGRRCPA)
  • Current Regulatory Concerns
Air Max Hyperposite