Every institution has its own risk appetite, which should directly inform its loan portfolio stress testing methodology.
After This Webinar You’ll Be Able To:
- Identify the uses and limitations of stress testing
- Know how to stress test both the portfolio and individual borrowers
- Construct realistic risk scenarios for assessing each segment of your loan portfolio
- Properly analyze your stress test results and know what to include in your stress test analysis
- Better understand how the concepts of stress testing your loan portfolio can be applied to other aspects of your organization
- Realize how stress testing is a key component of your organization’s capital planning
- Understand the regulatory expectations in today’s environment
Stress testing gained traction after the Great Recession. Its purpose is to help risk managers better understand how a loan portfolio could react under varying degrees of stress and appropriately adjust an institution’s risk appetite. Much of the loan portfolio-based stress testing is focused on CRE loans. This webinar will cover owner- and non-owner-occupied CRE, as well as agricultural, C&I, and consumer loan portfolios.
Each portfolio can be impacted by different types of stresses, which can be analyzed using appropriate stress testing scenarios. Once results of the analyses are determined, the next step is understanding how to use the data to appropriately adjust your underwriting and management of higher risk portfolios to lessen the impact on your organization when the next economic downturn occurs.
You’ll learn how to apply the data to analyze the entire spectrum of risk in your loan portfolio, from individual borrowers to entire segments, and even your loan portfolio as a whole, to help you understand the impact on capital as part of your overall capital adequacy testing and capital planning process. Many of these concepts can be adapted to other parts of your organization. Finally, regulatory expectations based on recent guidance and exams will be covered.
Who Should Attend?
This informative session is designed for CFOs, chief risk officers, chief credit/lending officers, credit analysts, and anyone involved in capital planning, loan portfolio risk management, and stress testing CRE, C&I, and ag borrowers.
- Checklist of items to consider when determining your stress scenarios
- List of resources for stress testing, including where to find the data needed to construct your stress scenarios
- Employee training log
- Interactive quiz
- PDF of slides and speaker’s contact info for follow-up questions
- Attendance certificate provided to self-report CE credits
NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.
Robert L. Viering — RiverPointUSA LLC
Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.
Prior to becoming a consultant, Viering was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Viering held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.
- $279 – Live Webinar Access
- $279 – OnDemand Access + Digital Download
- $379 – Both Live & On-Demand Access + Digital Download