2023 - Credit Risk Management: Principles and Practices, Tools and Techniques

A strong credit culture:
Focuses the organization—everyone on the same page
Reduces organizational conflict and confusion—priorities
Minimizes the need for rigid controls
Supports commitment to the organizational vision and mission
Adds to the organization’s bottom line and enhances shareholder value
In order to achieve the advantages of a strong credit culture, there must be strong credit management achieving both means:
Employing a set of diagnostic credit discipline tools to identify your existing culture and deciding on whether to maintain it or move on to a stronger culture
Implementing the policies, processes, and procedures to implement your desired culture
Managing the supporting infrastructure of credit administration, credit policy, loan documentation, loan booking, etc.
The linkage between effective credit risk management and a strong credit culture
Types of credit cultures and methods for identifying organization’s existing credit culture
Determining which credit culture best supports your organization’s risk appetite and risk tolerance
Tools for identifying, measuring, and managing portfolio transactional, intrinsic, and concentration risks inherent in loan portfolios
Examples of effective credit risk management practices and processes
WHY SHOULD YOU ATTEND?
Credit Risk Management is the function that ensures the organization is balancing its risk appetite with its risk tolerance to attain the organization’s desired credit risk objectives. This course provides guidance on how to implement and maintain the desired level of credit risk management with practical tools and techniques. Both the market and the regulatory agencies expect credit risk management to reflect the bank’s credit culture, so the class also offers direction on how to identify the organization’s credit culture and reposition it to support the desired credit risk culture and management.
LEARNING OBJECTIVES
Elements of credit culture
Types of credit culture
Framework for implementing desired credit culture
Credit discipline tools to diagnose, maintain and improve credit culture
Managing transaction, intrinsic, and concentration credit risk
Credit policy and credit administration best practices
WHO WILL BENEFIT?
Credit Analysts
Credit Managers
Loan review officers
Work-out officers
Commercial Lenders
Credit Risk Managers
Chief Credit Officers
Senior Lenders
Senior Lending Officer
Bank Director
Chief Executive Officer
President
Board Chairman