Credit Risk Management: Principles and Practices, Tools and Techniques

Recorded Session
60 Minutes


A strong credit culture:

  • Focuses the organization—everyone on the same page
  • Reduces organizational conflict and confusion—priorities
  • Minimizes the need for rigid controls
  • Supports commitment to the organizational vision and mission
  • Adds to the organization’s bottom line and enhances shareholder value

In order to achieve the advantages of a strong credit culture, there must be strong credit management achieving both means:

  • Employing a set of diagnostic credit discipline tools to identify your existing culture and deciding on whether to maintain it or move on to a stronger culture
  • Implementing the policies, processes, and procedures to implement your desired culture
  • Managing the supporting infrastructure of credit administration, credit policy, loan documentation, loan booking, etc.
  • The linkage between effective credit risk management and a strong credit culture
  • Types of credit cultures and Methods for identifying organization’s existing credit culture
  • Determining which credit culture best supports your organization’s risk appetite and risk tolerance
  • Tools for identifying, measuring, and managing portfolio transactional, intrinsic, and concentration risks inherent in loan portfolios
  • Examples of effective credit risk management practices and processes

WHY SHOULD YOU ATTEND?

Credit Risk Management is the function that ensures the organization is balancing its risk appetite with its risk tolerance to attain the organization’s desired credit risk objectives. This course provides guidance on how to implement and maintain the desired level of credit risk management with practical tools and techniques. Both the market and the regulatory agencies expect credit risk management to reflect the bank’s credit culture, so the class also offers direction on how to identify the organization’s credit culture and reposition it to support the desired credit risk culture and management.

LEARNING OBJECTIVES

  • Elements of credit culture
  • Types of credit culture
  • Framework for implementing desired credit culture
  • Credit discipline tools to diagnose, maintain and improve credit culture
  • Managing transaction, intrinsic, and concentration credit risk
  • Credit policy and credit administration best practices

WHO WILL BENEFIT?

  • Credit Analysts
  • Credit Managers
  • Loan review officers
  • Work-out officers
  • Commercial Lenders
  • Credit Risk Managers
  • Chief Credit Officers
  • Senior Lenders
  • Senior Lending Officer
  • Bank Director
  • Chief Executive Officer
  • President
  • Board Chairman

Credit Risk Management is the function that ensures the organization is balancing its risk appetite with its risk tolerance to attain the organization’s desired credit risk objectives. This course provides guidance on how to implement and maintain the desired level of credit risk management with practical tools and techniques. Both the market and the regulatory agencies expect credit risk management to reflect the bank’s credit culture, so the class also offers direction on how to identify the organization’s credit culture and reposition it to support the desired credit risk culture and management.

  • Elements of credit culture
  • Types of credit culture
  • Framework for implementing desired credit culture
  • Credit discipline tools to diagnose, maintain and improve credit culture
  • Managing transaction, intrinsic, and concentration credit risk
  • Credit policy and credit administration best practices
  • Credit Analysts
  • Credit Managers
  • Loan review officers
  • Work-out officers
  • Commercial Lenders
  • Credit Risk Managers
  • Chief Credit Officers
  • Senior Lenders
  • Senior Lending Officer
  • Bank Director
  • Chief Executive Officer
  • President
  • Board Chairman
Currency:
Webinar Option
Transcript (PDF Transcript of the Training)
Downloadable Recorded Session
DVD/USB

Speaker Profile

ins_img Dev Strischek

A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek principal of Devon Risk Advisory Group based near Atlanta, Georgia.  Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc.  Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC).  PCC’s purpose is to evaluate and recommend to FASB revisions to current and proposed generally accepted accounting principles (GAAP) that are …

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