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Commercial Loan Annual Credit Review

Dec 15 2:00 PM - Dec 15, 2021 3:30 PM
Dec 15, 2021 2:00 PM - 3:30 PM
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Regulators are emphasizing four key points when evaluating annual credit review processes. Do you know what they are? Is your institution identifying deteriorating commercial credits early enough to proactively mitigate default?

Learning Objectives

  • Discuss regulatory expectations surrounding the periodic review of credits as part of your institution’s credit management practice
  • Distinguish between different review scopes and depths of review based on risk characteristics
  • Define and discuss key attributes of the periodic review, including the surrounding primary, secondary, and tertiary repayment sources
  • o Guarantor support and global analysis
  • o Understanding “whom” to include as part of the annual or periodic review
  • Understand the need for ongoing collateral monitoring and the importance it plays in the periodic review of credit risk
  • Clearly identify red flags that may prompt a change in risk rating, or elevation to a more substantial review process (i.e., warning indicators of imminent default)

Regulators expect financial institutions to have a process in place (staffed by skilled individuals) that serves as an early warning system to identify deteriorating credit risk in loans. The annual credit review of commercial borrowers is the critical element of this process.

Regulators are emphasizing four key points. This webinar will cover each point and address how to satisfy regulatory expectations. In addition, while regulators allow financial institutions to establish processes for performing various levels of annual credit reviews, the criteria for each level needs to be clearly established by board-approved policy. Suggestions will be provided.

Agenda

Speakers

Aaron Lewis, Young & Associates, Inc.

Aaron Lewis is a senior consultant at Young & Associates, Inc. With over 15 years in the banking industry, his expertise is now dedicated to the lending division of Young &Associates where he assists financial institutions with loan, ALLL, policy, and credit process and compliance reviews. He also conducts seminars on credit risk and compliance.

Prior to joining Young & Associates, Aaron was the Vice President Credit Administrator of a community financial institution in southeast Michigan and managed all facets of the lending function, including originations, underwriting, ALLL analysis, servicing, and secondary market compliance. He holds a Bachelor’s in finance from Michigan State University and graduated from the Graduate School of Banking, University of Wisconsin.

Location

Fees

$259.00 

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

Your registration includes unlimited locations (until further notice), making it easier to share and learn with remote staff during the coronavirus crisis. Training materials will be available to download the day of the event.

Additional Info

Event Type

Webinar

Topics Covered

  • Live Webinars
  • Lending & Collections