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Risk Rating: The Cornerstone of Credit Risk Management

Aired: Tuesday, February 13, 2018

1.25 CLBB, 1.25 CERP

Timely and accurate risk ratings are not only a regulatory expectation but also good business practice. This one-hour program provides concrete ways to improve the risk rating process.

The recording begins by creating a common vision of why risk rating is important to the credit risk management process. The presenters discuss six areas where commercial lenders should be using risk rating to drive their processes: new loan generation, loan pricing, resource management, portfolio rhythms, ALLL and regulatory expectations.

The recording continues by following the high-level process of creating, using, and controlling commercial credit risk ratings.

For each process step, the presenters discuss key elements to answer common questions for that step. Questions include but are not limited to the following:

  • What are leading industry practices for creating risk rating scorecard templates?
  • What are leading industry practices when including industry in the rating?
  • What role should expert judgment play in assigning a risk rating?
  • How can banks govern the risk rating process effectively and efficiently?

This recording focuses on:

  • Considerations for incorporating qualitative and quantitative factors in a rating scorecard
  • Recommendations on policy and controls for risk rating assignment
  • Ways to use risk rating to manage the portfolio more effectively


  • Alison Trapp, Advisory Services, Sageworks
  • Jason Soto, Senior Vice President and Senior Credit Executive, Webster Bank



 Continuing Education Credits


ABA Professional Certifications has approved this program for 1.25 CLBB and 1.25 CERP 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:

​Program Questions? Please contact Linda Shepard / Cari Hearn.


 Pricing & Purchasing


Streaming Online Recording
Now Available

ABA Member • $210
Non-Member • $310


 Who Should Attend

  • Chief Risk Officers
  • Chief Operational Risk Officers
  • Directors and Managers of Third Party Risk Management
  • Chief Procurement Officers
  • Chief Information Security Officers
  • CRCMs and CPAs

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