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Predicting Portfolio Credit Quality
September 24, 2018 @ 2:00 pm - 3:30 pm EDT
$249Banks have traditionally relied on historical credit performance as a good predictor of future portfolio credit quality. Yet, history suggests prior credit performance is a very poor predictor of future credit performance. Many banks enjoyed historically good portfolio credit performance from 2002 to 2007 only to experience significant credit problems from 2008 to 2012 and several of those banks failed. What other indicators might have been better predictors of future credit performance?
This loan webinar will introduce tools which have been proven to be much better predictors of future credit performance. Participants will have the opportunity to assess the vulnerability of their bank to potential volatility in portfolio credit performance.
Specific subjects covered in the loan webinar include:
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Institution’s risk appetite, tolerance for risk and risk culture
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Strategic risk management
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Priorities
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Culture
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Risk strategy
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Risk controls
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Three Deadly Sins of Portfolio Management
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Poor distribution of asset quality ratings
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Excessive exposure to higher risk types of lending
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Excessive portfolio concentrations
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Institution’s risk profile
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Risk rating framework
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Industry/types of lending risk assessment
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Concentrations
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Identifying potential problem industries/borrowers
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Industry trends potentially impacting portfolio credit quality and earnings
Pricing$249 for Webinar and Playback* Dates of EventMonday, September 24, 2018
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Credits
Your SpeakerJohn Barrickman |
About the SpeakerFor 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group. |