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Thursday, October 24, 2019

Commercial Loan Annual Credit Review

Start Date: 10/24/2019 1:00 PM MDT
End Date: 4/24/2020 2:30 PM MDT


Organization Name: Independent Bankers of Colorado

Contact:
Tara F. Hunter
Email: thunter@ibcbanks.org
Phone: 303-832-2000

Commercial Loan Annual Credit Review
1:00 pm – 2:30 pm MT


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.
 
HIGHLIGHTS

  • 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.

Continuing Education: Attendance verification for CE credits upon request. 
DON’T MISS THIS RELATED WEBINAR!
Troubled Debt Restructuring: Identifying & Accounting for Impaired Loans
on Wednesday, May 1, 2019

NOTE:  All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.
 

  MEET 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 and develops and implements written lending policies. Wayne is a popular seminar speaker with both national and international experience.