Loan Review Expectations 2013
Click here for a PDF registration brochure
This seminar will discuss workouts, both commercial & consumer, classification of assets based on today’s regulatory environment, the need of new appraisals, adequacy of annual review for commercial and agricultural loans, and much more. We will also discuss recent Interagency Policy Statements.
Day 1: Reviewing Loans in Today’s Regulatory Environment
Recent Interagency Policy Statements & Issuance. The FDIC published “Stress Testing Credit Risk at Community Banks,” in their Summer 2012 Supervisory Insights, and the OCC issued “Community Bank Stress Testing,” OCC Bulletin (OCC 2012-33), dated October 18, 2012. These issuances provide guidance to community banks with $10 billion or less in total assets on using stress testing to identify & quantify risk in loan portfolios and help establish effective strategic & capital planning processes.
“Supervisory Guidance on Risk Management & Reporting Requirements: Investor-Owned One to Four Family Residential Properties,” on September 17, 2012.
“Allowance for Loan and Lease Losses: Estimation Practices for Junior Liens on Residential Properties,” Interagency Guidance Statement, dated January 31, 2012 - FDIC, FIL-4-2012; Federal Reserve, SR 12-3; OCC, Bulleting 2012-6
OCC Bulletin 2012-10, “Troubled Debt Restructurings: Supervisory Guidance on Accounting and Reporting Requirements.”
Credit Risk Grading Issues
Today’s regulatory environment regarding assignment of risk grade
- Risk grading criteria
- Weighting of criteria
- Grade all loans using the same scale
- Grading individual loans or loan relationships
Loans with guarantees
Timely adjustment of risk grades
Assessing need for recalibrating risk grading models
Reviewing Credit Analyst Analysis
Watch List Loans
Loan Workouts and Modifications
Day 2: Reviewing Individual Loans & Portfolio Segments
- Liquidity and working capital
- Analyze guarantor support
- Global cash flow analysis
- Stress testing individual high risk transactions
- How to perform stress test
- How to use results of stress test
- Updates of collateral coverage
Reviewing & Risk Grading Specific Loan Types
- CRE: Project Lending
- Investment Rentals
- Capitalization of Interest
- Interest Reserves
Reviewing Portfolio Segments
Portfolio Monitoring & Updating Collateral Valuations
Utilization of Management Information System
Monitor Portfolio Condition
Stress testing of portfolio segments
Who Should Attend
The seminar should be attended by presidents, CEO’s, senior loan officers, auditors, and loan review personnel. Regardless of title, the seminar focuses on issues that will be of importance throughout your financial institution.
About Your Presenters
S. Wayne Linder, Senior Consultant
A thirty-year banking veteran, Wayne Linder was formerly the Chief Executive Officer of a community bank. As a Senior Consultant with Young & Associates, Wayne performs loan reviews, fair lending reviews, assists banks under regulatory enforcement agreements, and develops and implements written lending policies. Over the past 30 years, Wayne has assisted financial institutions ranging in asset size from $36 million to over $2.5 billion.
Wayne is a popular seminar speaker with both national and international experience. In addition to his many published articles, he is the author of Loan Review Deskbook and Total Quality Loan Management.
Tommy Troyer, Consultant
Tommy Troyer is a consultant in the lending division at Young & Associates, Inc. and assists clients with loan reviews, ALLL reviews, and various other lending services. Tommy joined Young & Associates, Inc. from the Bank Supervision Group at the Federal Reserve Bank of New York, where he focused on credit risk management practices at supervised institutions. His work included a focus on the ALLL, stress testing, and risk monitoring and reporting practices. Prior to his time in bank supervision, Tommy worked in the Federal Reserve Bank of New York’s Research Group. Tommy holds a B.A. in Economics from Wittenberg University.
$395 Both Days
$225 March 20 Only
$225 March 21 Only
$790 Both Days
$450 March 20 Only
$450 March 21 Only
As of Jan. 1, 1994, only 50 percent of business food and beverage can be deducted. For tax purposes the cost of food and beverage for this program is $25.
Agenda Each Day
8:30 a.m. Registration
9:00 a.m. Program begins
12:00 noon Lunch (included)
1:00 p.m. Program resumes
4:00 p.m. Program adjourns
IBA Center for Professional Development
6925 Parkdale Place
Indianapolis, IN 46254
The IBA Center for Professional Development is located on the westside of Indianapolis just off of I-465. From I-465 take the 38th Street West Exit (Exit 17). When you exit go west on 38th street. Turn north/right onto Eagle Creek Parkway and then east/right onto Parkdale Place. Our address is 6925 Parkdale Place, Indianapolis, IN 46254. Click here for a map and a list of local hotels. Dress is business casual.
Everyone who registers online will receive an e-mail confirmation after the registration is submitted. Within three or more business days prior to the day of an educational program, no cancellation charge will be assessed. Within two days prior, 50% of the fee is assessed. Refunds are not provided for cancellations or absences which occur on the day of the program. Substitutions are welcome at any time.