Credit Risk Management: Principles and Practices, Tools and Techniques
Learn to align credit risk management with your bank's credit culture, diagnose and improve that culture, and manage transaction, intrinsic and concentration risk.
Speaker
Dev Strischek
Credit risk advisor · Devon Risk Advisory Group · Former SVP, SunTrust Bank
Overview
Credit risk management balances an organization's risk appetite with its risk tolerance to meet its credit risk objectives. This 60-minute credit risk management webinar explains how to put the right level of management in place and keep it there, using practical tools and techniques.
A strong credit culture keeps everyone focused on the same priorities, reduces conflict and confusion, lessens the need for rigid controls, supports the organization's vision and mission, and adds to the bottom line and shareholder value.
You'll look at the types of credit culture and how to identify your current one, decide which culture best fits your risk appetite and tolerance, and use credit discipline tools to keep or strengthen it. The session also covers policies and processes, credit administration and loan documentation, and tools for transaction, intrinsic and concentration risk in loan portfolios.
Why attend: The market and regulators both expect a bank's credit risk management to reflect its credit culture. This course shows you how to identify that culture and reposition it to support the credit risk culture and management you want. It suits credit analysts and managers, loan review and work-out officers, commercial and senior lenders, credit risk managers, chief credit officers, bank directors, CEOs, presidents and board chairs.
What’s covered
- Elements and benefits of a strong credit culture
- The link between effective credit risk management and a strong credit culture
- Types of credit culture and how to identify your organization's existing culture
- Choosing the credit culture that supports your risk appetite and risk tolerance
- Credit discipline tools to diagnose, maintain and improve credit culture
- A framework of policies, processes and procedures for your desired culture
- Managing the infrastructure: credit administration, credit policy, loan documentation and loan booking
- Tools for identifying, measuring and managing transaction, intrinsic and concentration risk in loan portfolios
- Examples of effective credit risk management practices and processes
Who should attend
What you get
About the speaker
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek principal of Devon Risk Advisory Group based near Atlanta, Georgia. Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc. Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC). PCC’s purpose is to evaluate and recommend to FASB revisions to current and proposed generally accepted accounting principles (GAAP) that are more appropriate for privately held firms. He also serves as the PCC’s representative to FASB’s Credit Losses Transition Resource Group supporting the new current expected credit loss (CECL) standard to be implemented in fiscal year 2019 for public companies and 2020 for private firms.
The former SVP and senior credit policy officer at SunTrust Bank, Atlanta, he was responsible for developing, implementing, and administering credit policies for SunTrust’s wholesale lines of business--commercial, commercial real estate, corporate investment banking, capital markets, business banking and private wealth management. He also spent three years as managing director and credit approver in SunTrust’s Florida commercial lending and corporate investment banking areas, respectively. Prior to SunTrust, he was chief credit officer for Barnett Bank’s Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, his experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor.
A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, Dev earned his M.B.A. from the University of Hawaii. Mr. Strischek serves as an instructor in several banking schools, including the Stonier Graduate School of Banking, and the Southwest Graduate School of Banking. 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.
Mr. Strischek has written some 200 articles on credit risk management, financial analysis and related subjects, and he is the author of Analyzing Construction Contractors and instructor of a contractor analysis workshop. A past national chair of RMA and former RMA Florida Chapter president, Dev has consulted on credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department’s Financial Service Volunteer Corps (FSVC).
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