Key Elements in Managing and Maintaining Your Credit Administration and Credit Policy
August 11, 2021 - CA USCompliance4All
compliance4all14@gmail.com
Phone:8004479407
Overview:This session by Dev Strischek 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.Why you should Attend:Credit 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 is 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.Areas Covered in the Session:Credit policy-critical components and maintenanceCredit 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 guarantorsCredit approval-lending authorities, risk ratings and pricing guidanceLoan closing, booking, and funding-appropriate loan documentationPortfolio management-credit policy and loan documentation exceptions, covenant compliance, asset quality trackingCredit and loan documentation files-confidentiality and securityProblem asset management-policy and practiceWho Will Benefit:Credit Policy OfficerCredit Department ManagerCredit Administration ManagerChief Credit OfficerLoan Review OfficersSpeaker ProfileDev Strischek 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.