Lending to Borrowers Over the Business Cycle

On Demand Course

Instructor: Dev Strischek

Duration:

What You'll Learn

Overview

As borrowers and lenders work through the business cycle, borrowers’ credit needs change, so lenders must be ready to recognize the changes and accommodate their clients’ requirements, and credit approvers must be prepared to evaluate and adjudicate the impact of these changes on underwriting, approval, and credit risk management.

Business cycles are inevitable, and bankers must understand borrowers’ funding needs through a cycles four phases—early expansion, late expansion, early contraction, and late contraction—as well as how to identify and evaluate clients’ relative vulnerability to both economic and COVID recession.

Topics discussed include:

Defining the business cycle and its four phases
Understanding how borrowers’ credit needs change over four phases of business cycle
Identifying industries most vulnerable to recession and those industries less susceptible to recession
Offering portfolio and credit management techniques and lending options over the business cycle
Reviewing recession checklist to diagnose and improve commercial loan portfolio management over the business cycle

*This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

About the Author:

Dev Strischek

A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek is principal of Devon Risk Advisory Group based near Atlanta, Georgia. Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc. Dev is the 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. Prior to SunTrust, Mr. Strischek was chief credit officer for Barnett Bank’s Palm Beach market. Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC).

On-Demand Course