Commercial Loan Annual Credit Review
Webinar OR Recorded Webinar + Free Digital Download
Thursday, October 24, 2019
12:00 pm – 1:30 pm Pacific
1:00 pm – 2:30 pm Mountain
2:00 pm – 3:30 pm Central
3:00 pm – 4:30 pm Eastern
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.
- 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
- TAKE-AWAY TOOLKIT
- Employee training log
- Interactive quiz
WHO SHOULD ATTEND?
This informative session is designed for credit analysts, commercial loan officers, loan review staff, chief lending officers, credit risk officers, and ALLL personnel.
DON’T MISS THIS RELATED WEBINAR!
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on Wednesday, May 1, 2019
Please note: The live webinar option allows you to have one internet connection (from a single computer terminal). You may have as many people as you like listen and watch from your office computer.
ABOUT THE PRESENTER – S. Wayne Linder, Young & Associates, Inc.
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.
THREE REGISTRATION OPTIONS
Note: All materials are subject to copyright. Transmission, retransmission, or republishing this webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.
- LIVE WEBINAR
The live webinar option allows you to have one internet connection from a single computer terminal. You may have as many people as you like listen and watch from your office computer. Registrants receive a website address and passcode that allows entrance to the seminar. The session will be approximately 90 minutes, including question and answer sessions. Seminar materials, including instructions, passcode, and handouts will be emailed prior to the broadcast. You will need the most current version of Adobe Reader available free at www.adobe.com.
- RECORDED WEBINAR + FREE DIGITAL DOWNLOAD
Can’t attend the live webinar? This option provides a recording of the live event, including audio, visuals, and handouts. We even provide the presenter’s email address for follow-up questions. You will receive an email with the recorded webinar link, which can be viewed anytime 24/7, beginning 6 business days after the webinar. You will also receive instruction on how to download a free digital copy of the webinar to your PC, which you may keep and use indefinitely.
The recorded webinar may ONLY be ordered for 6 months following the live webinar. In addition, the download must be completed within 6 months of the live webinar date.
- BOTH LIVE WEBINAR & RECORDED WEBINAR + FREE DIGITAL DOWNLOAD
Options 1 and 2 described above.
AFFORDABLE, PROFESSIONAL TRAINING, WHEN AND WHERE YOU CHOOSE