Credit Analysis & Underwriting Series:
Regulator Issues & Update for the Credit Analyst
Webinar OR Recorded Webinar + Free Digital Download
Wednesday, January 9, 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
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.
HIGHLIGHTS
- Areas of examiner concern
o Documentation for Cs of credit
o Cash flow and liquidity analysis – more than just EBITDA
o Lack of loan policy guidance and failure to adhere to written policy
o In-depth analysis of risk, based on the complexity of the credit relationship
o Identifying policy exceptions and analyzing risk mitigations
- Economic and business uncertainty
o Expectations for stress testing debt service coverage
o Loan structuring, including on-going monitoring
o 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
Attendance verification for CE credits provided upon request.
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.
Please note: 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.
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.
1. LIVE WEBINAR
The live webinar option allows you to have one internet connection from a single computer terminalYou 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.
2. 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.
3. BOTH LIVE WEBINAR & RECORDED WEBINAR + FREE DIGITAL DOWNLOAD
Options 1 and 2 described above.
AFFORDABLE, PROFESSIONAL TRAINING, WHEN AND WHERE YOU CHOOSE |
