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Credit Risk Management: Principles and Practices, Tools and Techniques
- 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.
Overview of the webinar
A strong credit culture:
- Focuses the organization—everyone on the same page.
- Reduces organizational conflict and confusion—priorities.
- Minimizes 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 a 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..
- Linkage between an 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.
Who should attend?
- 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
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 in 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 to reposition it to support the desired credit risk culture and management.
Faculty - Mr.Dev Strischek
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek is 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 more appropriate for privately held firms. He also serves as the PCC’s representative to FASB’s Credit Losses Transition Resource Group supporting the new current expected credit loss (CECL) standard. Dev is the former SVP and senior credit policy officer at SunTrust Bank, Atlanta. He was responsible for developing, implementing, and administering credit policies for SunTrust’s wholesale lines of business--commercial, commercial real estate, corporate investment banking, capital markets, business banking and private wealth management.