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Wisconsin Credit Union Foundation

Commercial Loan Annual Credit Review

This webinar will address the four key points regulators are emphasizing and how to satisfy their expectations.

Oct 22, 2019 02:00 PM   -­­  Oct 22, 2019 03:30 PM
CT
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Type of Event
Webinar

Who Should Attend
  • Member Services
  • Lending & Collections
  • Live Webinars

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Description

Regulators expect financial institutions to have an “early warning” system in place with skilled staff that can adequately identify deteriorating credit risk in loans. The annual credit review of commercial borrowers is the critical element of this process.

This webinar will address the four key points regulators are emphasizing and how to satisfy their expectations. While regulators allow financial institutions to establish processes for performing various levels of annual credit reviews, the criteria for each level of review needs to be clearly established by board-approved policy. Policy suggestions will be provided.

Learning Objectives

  • Regulatory expectations
  • Depth of review – minimal versus in-depth
  • Scope of the review
  • Timing of reviews – tax return extensions
  • Financial risk analysis
    • Primary debt service analysis, including stress testing
    • Secondary repayment sources – guarantor support and global analysis
    • Leverage and capital review
  • Management performance
    • Working capital review and analysis
    • Long-term viability of the borrower’s business
  • Loan structuring review
  • Collateral coverage reviews and analysis

Speaker

S. Wayne Linder, Young & Associates, Inc.

Investment 

$259.00

Live and recorded webinar, handouts, quiz with answer key and training log are included.