Speaker: S. Wayne Linder, Young & Associates,
About the Program
Risk grading consumer loans is necessary due to increased regulatory
emphasis on credit portfolio management and accounting standards
required disclosures. This leads to assessment of the credit risk level
in the various segments of the consumer loan portfolio and whether the
current risk level is within the board’s risk tolerance
guidelines. The next step is developing a roadmap to the future.
Managing a loan portfolio starts with knowledge of where you are and a
clear vision of where you want to be.
Regulatory guidance on credit risk grading systems
Grading matrix for consumer lending
Risk indicators to capture on management information systems