Regulators expect financial institutions to have an “early warning” system in place with skilled staff that can adequately identify deteriorating credit risk in loans. The annual credit review of commercial borrowers is the critical element of this process.
This webinar will address the four key points regulators are emphasizing and how to satisfy their expectations. While regulators allow financial institutions to establish processes for performing various levels of annual credit reviews, the criteria for each level of review needs to be clearly established by board-approved policy. Policy suggestions will be provided.
- Regulatory expectations
- Depth of review – minimal versus in-depth
- Scope of the review
- Timing of reviews – tax return extensions
- Financial risk analysis
- Primary debt service analysis, including stress testing
- Secondary repayment sources – guarantor support and global analysis
- Leverage and capital review
- Management performance
- Working capital review and analysis
- Long-term viability of the borrower’s business
- Loan structuring review
- Collateral coverage reviews and analysis
- Employee training log
- Interactive quiz
WHO SHOULD ATTEND?
This informative session is designed for credit analysts, commercial loan officers, loan review staff, chief lending officers, credit risk officers, and ALLL personnel.
PLEASE NOTE: The live webinar option allows you to have one internet connection (from a single computer terminal). You may have as many people as you like listen and watch from your office computer.
ABOUT THE PRESENTER – S. Wayne Linder, Young & Associates, Inc.
A thirty-year banking veteran, Wayne Linder was formerly the CEO of a community bank. As a Senior Consultant with Young & Associates, Wayne works as a lending and management consultant. He assists financial institutions under regulatory enforcement agreements, develops and implements written lending policies, and develops educational material for in-house lending training. Wayne is a popular seminar speaker with both national and international experience.