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Validity : 30th Mar'26 to 09th Apr'26
How to Diagnose Your Credit Culture and Reposition It to Support Your Risk Appetite and Risk Tolerance
- 4 types of credit cultures and optimal credit culture
- Balance between risk appetite and risk tolerance
- Elements of credit risk management
- Transaction, intrinsic, and concentration risk assessment
- 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
Overview of the webinar
- Learn elements of a strong credit culture
- Explain linkage between credit culture and credit risk management
- Identify, evaluate, and manage organization’s transaction, intrinsic, and concentration risks
- Learn how to employ credit discipline tools essential to a strong credit risk management and its culture
Who should attend?
- Credit analysts and lenders
- Senior lenders
- Credit risk officers
- Executive management
- Bank directors
Why should you attend?
Bank regulators expect financial organizations to build, implement, and maintain strong credit cultures. The key element in a strong credit culture is strong credit risk management, and this course offers some credit risk discipline tools to test and check the strength of the organization’s credit risk management.
Both bank regulators and the market expects and demands excellence in credit risk management, and that begins with identifying your current credit, selecting the culture that supports your organization’s risk appetite and risk tolerance, and then moving your current culture to the desired culture. The move requires you to identify, evaluate, and manage your organization’s transaction, intrinsic, and concentration risk. Several credit risk discipline tools offer an expedient way to test the quality of credit risk management but also serve as techniques for remediating and improving credit culture and credit risk management
Faculty - Mr.Dev Strischek
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek is 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. Dev is 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.