Effective Loan Review in a Stable Credit Environment

Is Your Loan Review Function Looking Beyond Existing Risk Rating Quality?
Aired: Thursday, October 26, 2017


2.0 CLBB

Now more than ever an effective loan review function is key. Over the last three years most institutions have seen a decrease in the number of downgrades initiated by their loan review group (external and or internal) as a byproduct of the environment (low delinquencies and stable credit quality). As many have learned from the last recession period (2007/2008), waiting to observe an increased downgrade percentage is a delayed reaction. Many times when this trend is observable it is already too late to react.

Simply focusing on risk rating trends is not enough. Bank audit committees and management need a more proactive, robust, and innovative loan review approach in order to proactively and effectively manage their portfolio in the existing environment. Maybe it is time for your institution to ask "is what we are doing for loan review today fundamentally the same as what we were doing in 2007/2008?" If your answer is yes, it is the same or yes, it is very similar, your institution needs to reflect on how effective that approach was in 2007/2008. If you are using the same approach as 2007/2008 and it was not effective at that time, why would it be effective if the economy/loan market takes a turn again? Listen to this 90-minute recording and get answers to your questions.

This recording focuses on:

  • Providing an overview of the banking environment the last 3-5 years (as well as the year ahead) including regulatory point of view and perspectives we have learned from clients we service
  • Examining why a strong loan review function is more critical than ever
  • How bank management and audit committees can push their existing loan review function for more beyond risk rating including some items which should be considered for loan review scope
  • What a strong loan review function looks like
  • Some dynamic and innovative ways of approaching loan review and an overview of adding value beyond risk rating accuracy with real life examples

Speakers:

  • Steve Krase, Managing Consultant, Crowe Horwath LLP
  • Giulio Camerini, Senior Managing Consultant, Crowe Horwath LLP
 
 

 Continuing Education Credits

 
ABA Professional Certifications has approved this program for 2.0 CLBB continuing education credits for the live program and the recording.

CPE logoRecordings are not eligible for CPE credits.

American Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.
Questions? Please contact Linda Shepard / Cari Hearn for more information.
 

 Pricing & Purchasing

 

Streaming Online Recording
Now Available

ABA Member • $235
Non-Member • $365

 

 Who Should Attend

 
  • Chief Lenders
  • Chief Credit Officers
  • Chief Risk Officers
  • Internal Audit Managers
  • Bank Data Warehouse, or Chief Data Managers
  • Loan Review Department Managers
  • Bank Audit Committee Members
  • Bank Board Members
 

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