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Event Name:Breakthrough Strategies on how to measure and reserve for Credit Risk
Date:Tuesday, March 7, 2017 2:00pm CST
Presented By:Farin & Associates
Panelist(s) Info: Rob Newberry, Senior Vice President, Farin & Associates, Inc.  (Bio)

Rob has over 20 years of experience in the financial services industry. Rob spent 15 years at Wells Fargo & Co in various strategic and leadership roles. These roles included time in Finance, Servicing, Fair Lending, Pricing Strategy, Business Intelligence and Delivery Innovation. For the past 5 years Rob has worked closely with financial institution leaders and regulatory agencies to develop a credit administration suite of tools specifically designed for community banks and credit unions.
Rob is a faculty member of the Graduate School of Banking in Madison, Wisconsin. Rob also teaches for both the Financial Managers Society and LexisNexis Sheshunoff eLearning on topics ranging from loan grading, ALL calculations, and stress testing.

Credits:Earn up to 2 hours of CPE credit.


Is your financial institution prepared to identify and survive another economic downturn? The recent financial crisis demonstrated how rapid deterioration in market conditions and unexpected economic downturns can significantly harm an institution’s financial condition and viability. Since then, the regulatory environment has increased pressure to improve the credit administration and portfolio management process.
With heightened regulatory scrutiny now, and a 2019 implementation date for the new FASB Current Expected Credit Loss (CECL) rule, institutions must change the way they set aside capital for loan losses. This change requires a better process for predicting loan losses which begins with the overall credit granting and administration control process. To be ready for implementation, institution’s must begin now to effectively change systems, methods and processes around this crucial risk management function.
This 100 minute webinar is broken into 2-parts that will help you identify the critical elements of an effective loan portfolio management process and evaluate your current practices to identify areas of need or growth.

Part 1 will focus on how to create a consistent and objective based risk scoring model that still allows for subjective adjustments. We will highlight significance of leveraging a dual loan grading and underwriting system to monitor your loan portfolio. Our expert will provide practical advice on incorporating the 5 C’s into your loan grade and how to select an appropriate loan grading scale for your institution. You’ll also learn how to forecast out potential ALLL provisions based on the current GAAP guidelines and get an overview of the changes upcoming with the new CECL methodology.

Part 2 will showcase how to create and incorporate loan portfolio stress testing system into your Enterprise Risk Management framework. This session will outline the importance and benefits of a stress testing system and show you how to source economic information. Further, our expert will offer advice on creating meaningful stress testing scenarios that align with the new OCC and FDIC guidance on stress testing for community banks under $10 Billion. Lastly we will discuss the importance of keeping your loan policy updated and relevant in this ever changing regulatory environment.

Learning Objectives

At the conclusion of this webinar attendees should be able to understand, discuss and evaluate:

  • Regulatory examiners expectations
  • Loan grading scales & dual loan grading systems
  • Financial statement analysis
  • ALLL Impairments & reserve analysis (ASC 450 & 310 and CECL)
  • Define and differentiate types of stress testing
  • Understand and evaluate regulatory examination expectations
  • Identify sourcing for national and local economic information
  • Measuring the impact of the stress test
  • Automating your Loan Policy

Who Should Attend
The target audience includes CFO’s, CCO’s, lending staff and other management wishing to gain a comprehensive picture of credit risk across their financial institution.

Level: Intermediate
Prerequisites: None
Advance preparation: None
Field of Study: Specialized Knowledge
Instructional Method: Group Internet Based
Fees Include: One phone and one internet connection for the live presentation. Handouts and other resource material for attendees. Unlimited access for your organization to the recording of the seminar presentation for 90 days after the conclusion of the program.

Farin & Associates is registered with the National Association of State Boards of Accountancy as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses. Complaints regarding sponsors may be addressed to: The National Registry of CPE Sponsors, 150 Fourth Avenue, North, Suite 700, Nashville, TN 37219-2417 Web: