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

Why Should You Attend:

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 webinar is designed for anyone with management responsibilities of a part or the entire bank’s Loan Portfolio.

Learning Objectives:

After completing this course the participant will:

• Understand the regulations as it relates to insure that all guidelines of a loan review are met.
• Learning in totality the Creditworthiness of the borrower through the loan reviewing process.
• loan grading techniques and standard use of credit scoring
• Understanding Collateral and various aspects of the loan documentation process
• The steps and various check points that are needed to complete a full loan review

Areas Covered in the Webinar:

• 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 Upon 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
• Review 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

Who Will Benefit:

• Commercial Loan Officers
• Consumer Loan Officers
• Credit Analysts
• Loan Review Personnel
• Compliance Officers
• Internal Auditors
• Branch Managers
• Credit Administration
• Loan Operations Staff

Instructor Profile:

Robert Hawkins began his banking career at Compass Bank (now BBVA) as a management trainee in 1978. In May 1981, he 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, Mr. Hawkins 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 2004, he 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. He served as an instructor for the Federal Reserve Board of Governors’ Credit Risk Analysis School and he was a frequent panelist and speaker. He retired from the Reserve Bank recently.

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