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.
Why should you Attend
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 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.
Areas Covered in the Session
- The linkage between effective credit risk management and a strong credit culture
- Types of credit cultures and Methods for Identifying an 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 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
- Board Chairman
Dev Strischek A frequent speaker, instructor, advisor, and writer on credit risk and commercial banking topics and issues, Dev is principal of Devon Risk Advisory Group and engages in consulting, speaking and training on a wide range of risk, credit, and lending topics. As 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. He also spent three years as managing director and credit approver in SunTrust's Florida commercial lending and corporate investment banking areas, respectively. Prior to SunTrust, Dev was chief credit officer for Barnett Bank's Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, Dev's experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor in Hawaii, Missouri, and Florida. A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, he earned his M.B.A. from the University of Hawaii.
Dev serves as an instructor in the ABA’s Stonier Graduate School of Banking, the Southwestern Graduate School of Banking, the Pacific Coast Banking School, and the American Bankers Association's (ABA) Commercial Lending. His school, conference, and workshop audiences have included participants drawn from the ABA, RMA, OCC, Federal Reserve, FDIC, FFIEC, SBA, the Institute of Management Accountants (IMA) and the AICPA.
Dev has written about credit risk management, financial analysis and related subjects for the ABA's Commercial Insights, the Risk Management Association's RMA Journal, and other business professional journals. He is the author of Analyzing Construction Contractors and its related RMA workshop. A past national chair of RMA and former Florida Chapter president, Dev serves as a member of the RMA Journal's advisory board, and an ex-officio board member of the Florida and Atlanta RMA chapters. He also serves on the advisory board of the Atlanta Chapter of the Professional Risk Managers' International Association (PRMIA), and he has consulted on credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department's Financial Service Volunteer Corps (FSVC)