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:Stress tested? Not you\, your credit union&rsquo\;s transaction s! Although credit analysts work in the background\, they play an extremel y crucial role in identifying\, measuring\, and monitoring credit risk. St ress testing is one tool they can use. This in-depth webinar will explain transaction-level stress testing for both commercial non-real estate and c ommercial real estate loans.\nLearning Objectives\n\n Recognize the ne ed for stress testing at the borrower level\n Determine which factors ( based on loan type) should be considered in stressing a borrower&rsquo\;s repayment ability for both commercial real estate and commercial and indus trial loans\n Understand the impact of stressed cash flow on both repay ment ability and commercial real estate value\n Distinguish between str ess testing based on predetermined factors and the breakeven point for ind ividual borrowing entities\n Describe the impact of borrower stress tes ting within a loan presentation and how the stress test impacts loan decis ioning and risk rating\n\nCredit analysts are charged with identifying\, m easuring\, and monitoring credit risk in any\ngiven transaction. An analys t must understand the borrower&rsquo\;s sustainable repayment\nability\, i ncluding both primary and secondary repayment sources. Repayment ability i n a\n&ldquo\;normal&rdquo\; or positive market condition can be relatively easy to determine and used as a\nbasis for the loan decision and risk rat ing. However\, market conditions are not always\nfavorable and adverse con ditions can arise relatively quickly (as in 2020). When\nunderwriting\, cr edit analysts should apply factors which reflect the impact of an adverse\ nmarket on a borrower&rsquo\;s primary and secondary repayment sources. Th is presentation will\nprovide insight for credit professionals regarding t ransaction-level stress testing\, including\nimpact to operating income\, guarantor support\, and collateral\, and will include\nconsiderations for both commercial non-real estate and commercial real estate loans. DTEND:20210505T203000Z DTSTAMP:20240329T011356Z DTSTART:20210505T190000Z LOCATION: SEQUENCE:0 SUMMARY:Loan Stress Testing for the Credit Analyst UID:RFCALITEM638472536368269476 X-ALT-DESC;FMTTYPE=text/html:
Stress tested? Not you\, your credit union& rsquo\;s transactions! Although credit analysts work in the background\, t hey play an extremely crucial role in identifying\, measuring\, and monito ring credit risk. Stress testing is one tool they can use. This in-depth w ebinar will explain transaction-level stress testing for both commercial n on-real estate and commercial real estate loans.
\nLearning Objectiv es
\nCredit analysts are charged with i dentifying\, measuring\, and monitoring credit risk in any\ngiven transact ion. An analyst must understand the borrower&rsquo\;s sustainable repaymen t\nability\, including both primary and secondary repayment sources. Repay ment ability in a\n&ldquo\;normal&rdquo\; or positive market condition can be relatively easy to determine and used as a\nbasis for the loan decisio n and risk rating. However\, market conditions are not always\nfavorable a nd adverse conditions can arise relatively quickly (as in 2020). When\nund erwriting\, credit analysts should apply factors which reflect the impact of an adverse\nmarket on a borrower&rsquo\;s primary and secondary repayme nt sources. This presentation will\nprovide insight for credit professiona ls regarding transaction-level stress testing\, including\nimpact to opera ting income\, guarantor support\, and collateral\, and will include\nconsi derations for both commercial non-real estate and commercial real estate l oans.
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