Dates of Event & Pricing

$295 for Webinar and Playback*

*Playback has no expiration.

  • Wednesday, June 3, 2020

  • 12:00 – 1:30 pm (Eastern Time)

  • 11:00 – 12:30 pm (Central Time)

  • 10:00 – 11:30 am (Mountain Time)

  • 9:00 – 10:30 am (Pacific Time)

Curriculum

Banks have traditionally relied on historical credit performance as a good predictor of future portfolio credit quality.  Yet, history suggests prior credit performance is a very poor predictor of future credit performance especially when events occur that the bank nor the borrower could have predicted e.g. the bankruptcy of Lehman Brothers and the seizing of worldwide financial markets.  Many banks enjoyed historically good portfolio credit performance from 2002 to 2007 only to experience significant credit problems from 2008 to 2012 and several of those banks failed.  What other indicators might have been better predictors of future credit performance particularly in the context of the impact of COVID-19 on the domestic and world economies. 

This loan webinar will introduce tools which have been proven to be much better predictors of future credit performance.   Participants will have the opportunity to assess the vulnerability of their bank to potential volatility in portfolio credit performance.

Specific topics to be addressed include:  

  • Institution’s risk appetite, tolerance for risk and risk culture
  • Congruence of elements of Strategic Risk Management
    • Priorities
    • Culture
    • Risk Strategy
    • Risk controls


  • Three Deadly Sins of Portfolio Management

    • Poor distribution of asset quality ratings
    • Excessive exposure to higher risk types of lending


  • Excessive portfolio concentrations Institution’s risk profile
    • Risk rating framework 
    • Industry/types of lending risk assessment
    • Concentrations and covariance/contagion among those concentrations


  • Identifying potential problem industries/borrowers
  • Political and economic events potentially impacting portfolio credit quality and earnings


Who should attend:

  • Executive Management
  • Senior Lenders
  • Senior Credit Officers
  • Loan Review Personnel
  • Lenders and Credit Personnel as appropriate

Instructor

  • John Barrickman

    John Barrickman

    New Horizons Financial Group / President


    For 27 years, John Barrickman has served as President of New Horizons Financial Group, a financial services industry consulting firm nationally recognized as an expert in the areas of comprehensive credit risk management, credit process, loan policy formation, asset quality rating frameworks, risk based pricing and lender development. John is a frequent speaker and subject matter expert on credit policies and procedures at industry events nationwide. John is also a Consulting Associate for Capital Performance Group.

Credits

1.5 CPE Credits