Key Elements in Managing and Maintaining Your Credit Administration and Credit Policy
Instructor: Live: One Dial-in One Attendee
Corporate Live: Any number of participants
Recorded: Access recorded version, only for one participant unlimited viewing for 6 months ( Access information will be emailed 24 hours after the completion of live webinar)
Corporate Recorded: Access recorded version, Any number of participants unlimited viewing for 6 months ( Access information will be emailed 24 hours after the completion of live webinar)
This session by Dev Strischek is intended to provide guidance on how to develop and maintain a Credit Administration (CA) function that will provide guidance to anyone involved in the credit function of the bank. The session also highlights the safeguards to manage the bank’s loan portfolio in a safe and sound manner.
CA supports credit risk management by watching over credit policy, credit analysis and underwriting, credit approval, credit extension, loan administration, and portfolio management. It also includes ensuring that credit policy exceptions and loan documentation exceptions are mitigated and that credit files and loan documentation are secure.
Why should you Attend:
Credit administration (CA) connects the organization's credit strategy, credit approval, credit extension, and credit management tasks into a coherent credit risk management function. Whether in the backroom or the front room, CA is necessary to provide a smooth transition from a prospective client to a creditworthy borrower. Analysis and approval are only part of the story; once the loan is made, the borrower's performance must be monitored in order to ensure repayment on time, in full, and as agreed.
Areas Covered in the Session:
- Credit policy-critical components and maintenance
- Credit analysis and underwriting-guidance on determining repayment ability from cash flow, collateral, and guarantees; global cash flow and debt service ratios, collateral loan-to-values, adjusting net worth of guarantors
- Credit approval-lending authorities, risk ratings and pricing guidance
- Loan closing, booking, and funding-appropriate loan documentation
- Portfolio management-credit policy and loan documentation exceptions, covenant compliance, asset quality tracking
- Credit and loan documentation files-confidentiality and security
- Problem asset management-policy and practice
Who Will Benefit:
- Credit Policy Officer
- Credit Department Manager
- Credit Administration Manager
- Chief Credit Officer
- Loan Review Officers
Dev serves as an instructor in the ABA’s Stonier Graduate School of Banking, the Southwestern Graduate School of Banking, the Pacific Coast Banking School, and the American Bankers Association's (ABA) Commercial Lending. His school, conference, and workshop audiences have included participants drawn from the ABA, RMA, OCC, Federal Reserve, FDIC, FFIEC, SBA, the Institute of Management Accountants (IMA) and the AICPA.
Dev has written about credit risk management, financial analysis and related subjects for the ABA's Commercial Insights, the Risk Management Association's RMA Journal, and other business professional journals. He is the author of Analyzing Construction Contractors and its related RMA workshop. A past national chair of RMA and former Florida Chapter president, Dev serves as a member of the RMA Journal's advisory board, and an ex-officio board member of the Florida and Atlanta RMA chapters. He also serves on the advisory board of the Atlanta Chapter of the Professional Risk Managers' International Association (PRMIA), and he has consulted on credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department's Financial Service Volunteer Corps (FSVC)