2019 - Credit Risk Discipline Tools - Implementing 14 Tools for Credit Risk Management

4 types of credit cultures and optimal credit culture
Elements of credit risk management
Regulatory expectations for credit culture and credit risk management
Role of credit discipline tools in building and maintaining credit culture and credit risk management
Written credit policy
Risk-driven credit analysis
Uniform credit packages
Experienced underwriting
Informed decision-making
Proper loan approval—minimal credit policy exceptions
Valid, granular risk rating system
Reliable closing and booking—minimal loan documentation exceptions
Loan performance monitoring and reporting
Independent loan review and audit functions
Adequate loan loss reserve
Professional problem asset management
Credit lending and training