Effective Credit Administration-Tools and Techniques
A frequent speaker, instructor, advisor, and writer on credit risk and commercial banking topics and issues, Dev is the principal of Devon Risk Advisory Group and engages in consulting, speaking and training on a wide range of risk, credit, and lending topics. As a 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 RMA's Florida Commercial Lending School, the Stonier Graduate School of Banking, the Southwestern Graduate School of Banking, the Pacific Coast Banking School, 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 ABA's Commercial Insights, 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 an ex-officio board
member of the Florida and Atlanta RMA chapters. 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).
This session is intended to provide guidance on how to develop and maintain a Credit Administration (CA) function that will provide guidance to anyone involved in the credit function of the bank. The session also highlights the safeguards to manage the bank’s loan portfolio in a safe and sound manner.
CA supports credit risk management by watching over credit policy, credit analysis and underwriting, credit approval, credit extension, loan administration and portfolio management. It also includes ensuring that credit policy exceptions and loan documentation exceptions are mitigated, that credit files and loan documentation are secure.
- Credit policy—critical components and maintenance
- Credit analysis and underwriting—guidance on determining repayment ability from cash flow, collateral, and guarantees; global cash flow and debt service ratios, collateral loan-to-values, adjusting net worth of guarantors
- Credit approval—lending authorities, risk ratings, and pricing guidance
- Loan closing, booking, and funding—appropriate loan documentation
- Portfolio management—credit policy and loan documentation exceptions, covenant compliance, asset quality tracking
- Credit and loan documentation files—confidentiality and security
- Problem asset management—policy and practice
Course Level - Basic/Intermediate
Who Should Attend
- Credit Policy Officer
- Credit Department Manager
- Credit Administration Manager
- Chief Credit Officer
- Loan Review Officers
Why Should You Attend
administration (CA) connects the organization’s credit strategy, credit
approval, credit extension, and credit management tasks into a coherent
credit risk management function. Whether in the backroom or the front
room, CA is necessary to provide a smooth transition from a prospective
client to a creditworthy borrower. Analysis and approval are only part
of the story; once the loan is made, the borrower’s performance must be
monitored in order to ensure repayment on time, in full, and as agreed.