Credit Analysis & Underwriting Series: Regulator Issues & Updates for the Credit Analyst

Date: 
Jan 09, 2019
Program Overview: 

PDF Brochure   Wednesday, January 9, 2019       3:00 - 4:30 pm

While asset quality continues to be generally sound industrywide, concerns over deteriorating underwriting standards and credit concentrations continue to attract significant regulatory attention, accounting for the largest share of matters requiring attention (MRAs) and matters requiring board attention (MRBAs). 

Regulators will evaluate the quality and depth of financial risk and underwriting analysis, including the awareness of existing or emerging risk concerns, stressing for an uncertain future, tying current underwriting and new deals to the institution’s risk appetite statement, and adequacy of post-funding monitoring and analysis. 

CAMELS ratings are now forward-looking.  Therefore, lenders with historically low delinquencies and charge-offs will no longer automatically get a “1” asset quality rating.  It’s expected that the credit analysis process will be based on the complexity of the credit and each institution’s risk profile.  This program will focus on regulatory credit issues and provide insight on preparing for your next safety and soundness exam.

 



Topics: 
  • Areas of examiner concern
    • Documentation for Cs of credit
    • Cash flow and liquidity analysis – more than just EBITDA
    • Lack of loan policy guidance and failure to adhere to written policy
    • In-depth analysis of risk, based on the complexity of the credit relationship
    • Identifying policy exceptions and analyzing risk mitigations
  • Economic and business uncertainty
    • Expectations for stress testing debt service coverage
    • Loan structuring, including on-going monitoring
    • Annual financial statement collection
  • Documented support for conclusions and assigned credit risk grade
  • CRE lending, including concentration management 

Take-Away Toolkit

  • Employee training log
  • Quiz to measure staff learning and a separate answer key

 

Speaker: 

A thirty-year banking veteran, Wayne Linder was formerly the CEO of a community bank.  As a Senior Consultant with Young & Associates, Wayne works as a lending and management consultant.  He assists financial institutions under regulatory enforcement agreements, develops and implements written lending policies, and develops educational material for in-house lending training.  Wayne is a popular seminar speaker with both national and international experience.

 

Agenda: 

WHO SHOULD ATTEND
This informative session is designed for everyone that is involved in the underwriting and approval of commercial loans, including executive management on the loan approval committee, commercial loan officers, credit analysts, commercial loan underwriters, branch managers with commercial lending authority, loan reviewers, and auditors.

 

 

 

 

 

 

 

Fees: 

MEMBER

Live Webinar
    $255.00 Single Location
    $150.00 Each Additional Location

Recorded Webinar & Free Digital Download
    $255.00

Premiere Package (Live & Recorded Webinar with Free Digital Download)
    $375.00

NON-MEMBER

Live Webinar
    $510.00
    $300.00 Each Additional Location

Recorded Webinar & Free Digital Download 
    $510.00

Premiere Package (Live & Recorded Webinar with Free Digital Download)
    $750.00

Association Contact: 

If you have any questions or need additional information, please contact Marcy Borden at 317-387-9380 or mborden@indianabankers.org

Cancellation Policy: 

Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. If your bank is unable to participate after registering, you can select to purchase the on-demand presentation.

Webinar Options: 

1.  Live Webinar
The LIVE WEBINAR option allows you to have one telephone connection for the audio portion and one Internet connection (from a single computer terminal) to view online visuals as the presentation is delivered.  You may have as many people as you like listen from your office speaker phone. Registrants receive a toll-free number & pass code that will allow entrance to the seminar. Seminar materials, including instructions, pin number, and handouts will be emailed to you prior to the broadcast.  You will need the most current version of Adobe Reader available free at www.adobe.com.

2.  Recorded Webinar & Free Digital Download
Can’t attend the live webinar?  The recorded webinar & Free Digital web link is a recording of the live event, including audio, visuals, & handouts. We even provide the presenter’s email address so you may ask follow-up questions.  Approximately one week prior to the webinar, you will receive an email with the web link.  This web link can be viewed anytime 24/7, beginning 6 business days after the webinar and will expire 6 months after the live program date.  

LIMITED AVAILABILITY:  The Recorded Webinar & Free Digital Download web link may ONLY be ordered for 6 months following the webinar.

3.  Both Live Webinar & Recorded Webinar & Free Digital Download
Includes options 1 and 2 above

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