Loan Portfolio Management and Review - Regulations, Process, Loan Grading Techniques, Collateral and Documentation

Duration: 75 Minutes
In today's current economic environment, managing the Commercial and Consumer Loan Portfolio is paramount in order to maintain a safe and sound financial institution. The five regulatory agencies are becoming more demanding in their review of banks in light of the recent large bank failure that occurred on the west coast and the increased number of banks currently on their "Trouble Bank" list. Managing the loan portfolio in the face of these factors requires a different approach than in normal times. This one-day program is designed for anyone with management responsibilities of a part or the entire bank's Loan Portfolio.
Loan Portfolio Management
Instructor: Robert Hawkins
Product ID: 501527
Objectives of the Presentation
The program begins with a discussion of those Macro Economic, Industry, Business and Management factors that must be considered as part of loan portfolio management then followed by examining the quality of credit file documentation, which includes an assessment of the Credit Memorandum and Loan Documentation; then, followed by a discussion on effective management tools required to navigate the bank through today's challenges. Specifically, the course will cover the following areas: Loan Grading, Ratio Analysis, Loan Portfolio Management, Accounting, Regulations, Loan Procedures.

Why Should you Attend
Managing the loan portfolio in the face of these factors requires a different approach than in normal times. This one-day program is designed for anyone with management responsibilities of a part or the entire bank's Loan Portfolio.

Areas Covered
  • Expectations of regulators as it relates to a Bank's Loan Review Program to insure safety and soundness principles are maintained
  • Determining borrowers' creditworthiness by reviewing Financial Statement Analysis Techniques, Ratio Analysis and Cash Flow Analysis for commercial and industrial loans and commercial real estate loans
  • Review of proper loan Grading Techniques based on a clear, objective and measurable standard and the use of Credit Scoring Worksheets and Loan Grading Matrix
  • How to review Essential Loan Documentation Procedures to ensure the Bank's Collateral Position is properly attached, perfected and legally enforceable
  • Effective methods of performing an Internal Loan Review prior to the arrival of the regulators
  • Methodology required for calculating the Allowance for Loan and Lease Losses in accordance with accounting codification standard 450-20 (formerly FASB 5) and accounting codification standard 310-10-2 through 30 (formerly FASB 114) among other guidance. Review of the Prudent Commercial Real Estate Loan Workout Strategies Guidance released on October 31, 2009
Who can Benefit
CEO's, Presidents and Board Members, Credit Administrators, Senior Credit Officers, Loan Review Officers, Compliance Officers, Senior Loan Officers, Commercial and Consumer Loan Officers, Loan Operation Officers, and Loan Administrators

$300
Recorded Session for one participant
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  • Upon purchase of the recorded session a link will be updated on your OCP Account within 24 hours
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  • Presentation handouts in downloadable PDF format will be updated on your OCP Account within 24 hours of the purchase of the product
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Instructor Profile:
Robert D. Hawkins Robert began his banking career at Compass Bank (now BBVA) as a management trainee in 1978. After completing the training program, he was assigned to a branch location as an assistant branch manager and a small business lender. In May 1981, Robert joined the Federal Reserve Bank of Atlanta as an assistant bank examiner. He received his "Commission" in 1985 and was promoted to senior examiner in 1991. In the latter role, Robert led supervisory events at the District's largest and most complex banking organizations. On three occasions, he was chosen by the senior officer group to participate in the "Shared National Credit Program" which is a joint, interagency initiative that was created to evaluate and assign the appropriate risk ratings to credits, $20 million and above, shared by two or more financial institutions.

In the spring of 1994, Robert joined a community banking organization as the senior credit officer. In the role, he chaired the officers' loan committee, enforced lenders compliance with the bank's credit policy, managed special assets, and collection and recovery efforts. Robert returned to the Reserve Bank in the summer of 1998. In 2001, he was promoted to Director of Examinations and formed the Community Bank Risk Team. In 2004, Robert was promoted to Assistant Vice President in Community Bank Supervision. In this role, he supervised three examination teams, 25 banks and a myriad of bank-holding companies. Robert served as an instructor for the Federal Reserve Board of Governors' Credit Risk Analysis School and he was a frequent panelist and speaker at forums hosted and sponsored by the Community Bankers Association of Georgia.
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