BEGIN:VCALENDAR VERSION:2.0 METHOD:PUBLISH PRODID:-//Telerik Inc.//Sitefinity CMS 13.3//EN BEGIN:VTIMEZONE TZID:Central Standard Time BEGIN:STANDARD DTSTART:20231102T020000 RRULE:FREQ=YEARLY;BYDAY=1SU;BYHOUR=2;BYMINUTE=0;BYMONTH=11 TZNAME:Central Standard Time TZOFFSETFROM:-0500 TZOFFSETTO:-0600 END:STANDARD BEGIN:DAYLIGHT DTSTART:20230301T020000 RRULE:FREQ=YEARLY;BYDAY=2SU;BYHOUR=2;BYMINUTE=0;BYMONTH=3 TZNAME:Central Daylight Time TZOFFSETFROM:-0600 TZOFFSETTO:-0500 END:DAYLIGHT END:VTIMEZONE BEGIN:VEVENT DESCRIPTION:Credit analysts must understand current regulatory expectations and\nconcerns. Before the onset of COVID-19\, asset quality was generally sound.\nNow regulators are closely watching credit concentrations and wea kening\nunderwriting. This webinar will provide insight on those issues an d more and\non how to prepare for your next safety and soundness exam. Is everything\nship shape?\n\nLearning Objectives\n\n Comment on current r egulatory guidance\n \n Understand regulatory expectations for basic underwriting skills\, including:\n \n Analysis/calculation of t he Cs of credit\n \n Cash flow and liquidity analysis\n \n Analysis of risk based on the complexity of the credit relati onship\n \n Compliance with your institution&rsquo\;s policy requirements and guidelines\n \n Identifying policy excepti ons and analyzing risk mitigation\n \n \n \n Implement for ward-looking credit analysis\n Identify prudent loan workout and modifi cation strategies\n \n Understand when a modification is considered a TDR\n Evaluate eased underwriting practices that examiners identified prior to COVID-19\n \n Identify and account for economic and busine ss uncertainty\n \n Document and defend your credit analysis\n \n Manage credit concentration issues\, including CRE\n \n\nPrior to t he onset of COVID-19\, asset quality was generally sound industry wide. Ho wever\,\nconcerns over deteriorating underwriting standards and credit con centrations continue to\nattract regulatory attention\, accounting for a s ignificant share of matters requiring\nattention (MRAs) and matters requir ing board attention (MRBAs). As the impacts of\nCOVID-19 continue to unfol d\, it is imperative that credit personnel review policy\,\nprocedures\, a nd practices to limit the potential decline in asset quality. \;\nCAME LS ratings are now forward-looking. Therefore\, historically low delinquen cies and\ncharge-offs will no longer automatically earn an institution a & ldquo\;1" rating in asset quality.\nFinancial institutions are expected to base credit analysis processes on the complexity of\neach credit and the risk profile of each institution.\nFinancial regulators will evaluate the quality and depth of your institution&rsquo\;s credit analysis\,\nincludin g the awareness of existing or emerging risk concerns\; stressing for an u ncertain\nfuture\; tying current and new underwriting to the institution&r squo\;s risk appetite statement\;\nand adequacy of post-funding monitoring and analysis.\nThis webinar will focus on current regulatory credit issue s and provide insights on\nhow to prepare for your next safety and soundne ss exam. DTEND:20201021T203000Z DTSTAMP:20240329T050426Z DTSTART:20201021T190000Z LOCATION: SEQUENCE:0 SUMMARY:Regulator Update for the Credit Analyst UID:RFCALITEM638472674665383536 X-ALT-DESC;FMTTYPE=text/html:
Credit analysts must understand current reg ulatory expectations and\nconcerns. Before the onset of COVID-19\, asset q uality was generally sound.\nNow regulators are closely watching credit co ncentrations and weakening\nunderwriting. This webinar will provide insigh t on those issues and more and\non how to prepare for your next safety and soundness exam. Is everything\nship shape?\n
\nLearning Objectives< /p>\n
Prior to the onset of COVID-19\, asset quality was gen erally sound industry wide. However\,\nconcerns over deteriorating underwr iting standards and credit concentrations continue to\nattract regulatory attention\, accounting for a significant share of matters requiring\natten tion (MRAs) and matters requiring board attention (MRBAs). As the impacts of\nCOVID-19 continue to unfold\, it is imperative that credit personnel r eview policy\,\nprocedures\, and practices to limit the potential decline in asset quality. \;
\nCAMELS ratings are now forward-looking. T herefore\, historically low delinquencies and\ncharge-offs will no longer automatically earn an institution a &ldquo\;1" rating in asset quality.\nF inancial institutions are expected to base credit analysis processes on th e complexity of\neach credit and the risk profile of each institution.\nFi nancial regulators will evaluate the quality and depth of your institution &rsquo\;s credit analysis\,\nincluding the awareness of existing or emergi ng risk concerns\; stressing for an uncertain\nfuture\; tying current and new underwriting to the institution&rsquo\;s risk appetite statement\;\nan d adequacy of post-funding monitoring and analysis.\nThis webinar will foc us on current regulatory credit issues and provide insights on\nhow to pre pare for your next safety and soundness exam.
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