14 Credit Discipline Tools for Diagnosing, Improving, and Maintaining Your Organization’s Credit Culture
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Dev is principal of Devon Risk Advisory Group and engages in consulting, speaking and training on a wide range of risk, credit, and lending topics. As 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, Dev was chief credit officer for Barnett Bank's Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, Dev's experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor in Hawaii, Missouri, and Florida. A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, he earned his M.B.A. from the University of Hawaii.
Dev serves as an instructor in the Stonier Graduate School of Banking, the Southwestern Graduate School of Banking, and the American Bankers Association's (ABA) Commercial Lending. 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.
Dev has written about credit risk management, financial analysis and related subjects for the Risk Management Association's RMA Journal, and other business professional journals. He is the author of Analyzing Construction Contractors and its related RMA workshop. A past national chair of RMA and former Florida Chapter president, Dev serves as a member of the RMA Journal's advisory board, and he also serves on the advisory board of the Atlanta Chapter of the Professional Risk Managers' International Association (PRMIA), and he has consulted on credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department's Financial Service Volunteer Corps (FSVC). He also served on the Private Company Council (PCC) of the Financial Accounting Standards Board (FASB); the PCC reviews current and proposed generally accepted principles (GAAP) and recommends revisions that simplify their use for privately held organizations.
Successful credit risk management relies on a strong credit culture to support and execute strategies and policies. In turn, the culture relies on some basic tools to maintain its strength.
These 14 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.
Learning Objectives
- Define and explain credit discipline tools’ role in diagnosing a condition of credit culture
- Learn how to use each of the 14 tools to improve an organization’s credit culture
- Learn how to monitor ongoing credit culture performance
Areas Covered
- 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 14 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
Course Level - Basic/Fundamental
Who Should Attend
- Credit managers
- Credit Risk Managers
- Credit approval officers
- Risk Managers
- Enterprise Risk Managers
- Chief Credit Officers
- Senior Lenders
- Senior Lending Officer
- Bank Director
- Chief Executive Officer
- Bank President
- Board Chairman
Why Should You Attend
The market and the regulatory community pay close attention to a financial organization’s credit culture because a strong credit culture is critical to the success of credit risk management.
Some 14 credit discipline tools help management to implement, maintain, and ensure that credit risk and the credit culture stay on track. Join Dev Strischek as he offers a credit discipline tool checklist and explains how each of the tools works.
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$200.00
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