RW Advantage - Webinars

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Event Name:Predicting Portfolio Credit Quality
Date:Monday, January 30, 2017 11:00am CST
Presented By:BankersHub
Panelist(s) Info: John Barrickman President New Horizons Financial Group
Credits:1.5 CPE Credits

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.  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?  

This program 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 subjects covered in the webinar include:

  • Institution’s risk appetite, tolerance for risk and risk culture
  • 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
  • Identifying potential problem industries/borrowers
  • Industry trends potentially impacting portfolio credit quality and earnings