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Course/Product Description
Title:

Using Credit Risk Ratings to Determine Asset Quality (Asset Quality Ratings)

SKU:WT- 1000644
Format: Webcast/Audio Conference/Interview/Podcast
Description:

Using Credit Risk Ratings to Determine Asset Quality (Asset Quality Ratings)

The "A" in the CAMELS rating system utilized by bank regulators is perhaps one of the most important factors they consider when examining financial institutions. The "A" represents Asset Quality and it is scrutinized extensively when banks are examined.

Studies continue to indicate the primary reason why banks failed is due to poor Asset Quality followed closely by poor policies, procedures and management. Asset Quality is so important that it forms the basis of capital requirements assigned by regulators and is viewed by investment community to establish value.

Banks approximates Asset Quality and the potential for complete repayment by utilizing Risk or Credit Ratings. Credit Ratings are based on the financial institution's underwriting standards. If a financial institution's underwriting standards are weak, then the Credit Ratings will not reflect the risk in the loan portfolio properly.

Regulators expect community banks to have credit risk management systems that produce accurate and timely risk ratings. They consider accurate classification of credit risk among its top supervisory priorities.

This course is designed to establish or improve the risk rating system within your financial institution.

Covered Topics:

  • Underwriting Standards Required to Expose and Establish the proper Credit Risk Rating
  • Key Control Attributes Required for the Grading System to be Effective
  • Regulatory Classification of Assets
  • Areas of Exposure to Consider When Assigning a Risk Rating
  • Latest Developments in Rating Credit Risk
  • Establishing a Clear and Measurable Method of Assigning Credit Rating that is More Objective and Less Subjective
  • Utilizing Credit Risk Rating to Establish and Maintain an Adequate Allowance for Loan and Lease Losses

Who Should Attend?

Senior/Chief Credit Officers, Consumer Loan Officers, Loan Review Officers, Branch Managers, Commercial Loan Officers, Credit Analysts, Compliance Officers, Senior Loan Officers

The Presenter

Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Mr. Johnson is now a training professional in the financial industry by leading various seminars covering important topics relating to issues in financial institutions. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual financial institutions nationwide. He co-authored a training course entitled "Lending to Service and Other Professional Organizations" for RMA in 2001.

Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in Atlanta; a MBA in Finance from John Carroll University in University Heights, Ohio; Banking diploma from Prochnow School of Banking at the University of Wisconsin and a Graduate Certificate in Bank Management from the Wharton School of Business at the University of Pennsylvania.

About The Provider: Since 1983 Total Training Solutions has produced dozens of videotapes, CD-Roms, DVD's and web-based training modules. In addition to off-the-shelf products, Total Training Solutions also develops custom training products and consults with financial institutions to develop their own training curriculum.

For timely delivery of training topics, webinars or web conferencing is an unbeatable option. We now offer over 100 live programs per year and you can even purchase the recorded or ondemand session if you are unable to attend the live program.

We have worked exclusively with the financial industry since our founding. Because of this, we understand the needs of training departments in financial institutions and are alert to changes which affect the industry.

Webinar Descriptions:

Live Session:
Attend the live session with the opportunity to ask questions to the presenter. You also receive a link to the handouts. All registrations for a live event will be given access to the OnDemand recording, at no additional cost, for seven days following the event. This will allow a flexible alternative when last minute conflicts intrude on scheduled events.

Recorded CD:
CD-Rom includes audio and video of recorded webinar plus hard copy handouts. You will also receive 6 months access to the OnDemand weblink as an added free bonus.

OnDemand:
Includes a weblink for unlimited viewing for 6 months after the date of the webinar as well as a link to handouts.

Live + Recorded:
Includes all three options above. Live session, OnDemand Weblink, and CD-Rom plus Hardcopy Handouts.

Live + OnDemand:
Includes two of the options above. Live session and 6 months access to OnDemand Weblink plus link to handouts.
Price: $265.00
More Info: Contact Us For More Information
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Currently Scheduled Dates For This Webcast
Course TitleDatePrice
Using Credit Risk Ratings to Determine Asset Quality (Asset Quality Ratings)CD/On-Demand$325.00

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