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Course Details

Commercial Loan Stress Testing Fundamentals

Webinar: ID# 1014596
Recorded CD
Qty:
Commercial Loan Stress Testing Fundamentals
About This Course:
The economic downturn and other external factors have had a dramatic impact on every aspect of banking. Are economic conditions going to improve? We hope so, but what should we plan for? Offset the uncertainty of the future by being prepared.

By performing loan portfolio stress tests you can: identify potential weaknesses in your loan portfolio; detect areas of high-risk concentration and reduce your exposure; monitor potential problem sectors; prepare more effectively for regulatory scrutiny; provide a long-term outlook and valuable reports to your board; implement more rigorous underwriting standards where necessary; make better informed lending and refinancing decisions; and maintain targeted capital ratios.

This webinar takes portfolio management issues up a notch, examining and providing tools to address today's complex issues in risk evaluation. This webinar will provide you with tools and insight to help you and others better predict future credit performance while minimizing your loan portfolio risk.

Agenda

Stress Testing - What Is It?
  • Definitions
  • History of Stress Testing
  • Stress Testing as Part of Portfolio Management
  • Regulatory Definition
Stress Testing Models Considering Institution Size
  • Common Tenants
  • Data Management
  • Community Bank Models
  • Mid Sized Bank Models (DFAST)
  • Largest Bank Models (CCAR
Stress Testing Challenges for Community Banks
  • Regulatory Expectations
  • Specifics for Community Bank Stress Testing
  • Metrics
  • How the Process Works
Sample Credit Portfolio Stress Testing Output
  • Concentration Reporting
  • Top Down and Bottom up Reporting
  • Capital Impact
  • Capital Loss Rates
The Future of Stress Testing for All Banks

About The Presenters

Peter L. Cherpack
  • Senior vice president and Principal of Ardmore Banking Advisors
  • Brings more than 30 years of experience in banking, where he has specialized in information technology, operations, business analysis, and high-level project management
  • Works with clients to recommend the appropriate application of technology solutions to enhance and improve their lending and credit processes, and delivers and supports the installation of Ardmore Banking Advisors’ credit portfolio management and stress testing tools, myCreditInsight™, to more than 70 banking institutions across the United States
  • Featured in a number of recent publications including the Journal of Risk Management, the RMA Journal, Bank Director, American Banker, The Independent Community Banker
  • Recent speaking engagements include the Tennessee, Pennsylvania and California Bankers Associations, the Conference of State Bank Supervisors, the FFIEC Supervisory Updates and Emerging Issues Seminar, the RMA Annual National Conference, The Bank Directors Institute and the Web Equity and CSI Annual Customer Conferences
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Commercial Loan Stress Testing Fundamentals
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