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How To Write An Effective Credit Policy

Webinar: ID# 1014471
Recorded CD
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About This Course:
All financial institutions must have a written policy that establishes the rules and a framework to prudently operate and administer their credit exposure.

Writing a credit policy that adequately addresses all activities that create credit risk can be a very daunting task. An effective credit policy establishes the institution's lending philosophy consistent with its business strategies, and provides clear, concise credit standards and guidelines.

However, credit policy cannot address every possible situation and therefore must also be flexible enough to meet the legitimate credit needs of the customers served by the institution. This live webinar will provide persons responsible for writing all or parts of credit policy with information to achieve those objectives and more.

Other topics that will be discussed include best practices for developing or changing policy, minimum required versus additional desired content, differentiating between policy and procedure, using technology to provide access to the policy, using credit policy to educate and inform rather than merely directing the users, important issues to regulators, and ensuring that the policy is appropriate for the complexity and scope of the institution.

Agenda

Overview
    Credit Policy Objectives
    • Lending Philosophy
    • Standards and Guidelines
    • Educate and Inform Users
    Credit Policy Process
    • Development and Revision
    • Review and Approval
    • Communication
    Organization
    • Required vs. Desired Content
    • Policy vs. Procedure
    Helpful Hints
FACULTY

Peter W. Jaworski
  • Executive vice president and chief credit officer – WesBanco Bank, Inc., a $6 billion dollar banking company headquartered in Wheeling, West Virginia with over 100 offices in West Virginia, Ohio, and Pennsylvania
  • More than 25 years of banking experience in loan administration, credit analysis, underwriting, customer relationship management, loan documentation, problem loan administration and loan review
  • Responsibilities include establishing credit policy, monitoring and managing credit risk, and executive oversight of various credit administration functions
  • Credit Risk Certified by the Risk Management
  • Member of the American Institute of Certified Public Accountants
  • Guest lecturer at the West Virginia University College of Law, providing a lender’s perspective on real estate secured loan transactions
  • Presenter at West Virginia Bankers Association annual credit conference
  • Previously conducted seminars and live webinars on various topics for Lorman Education Services
  • Graduate, Wheeling Jesuit University, Wheeling, West Virginia
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How To Write An Effective Credit Policy
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