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Avoiding Regulatory Examination Problems: Effective Procedures to Manage ADC Loan Interest Reserves focuses on the proper use of interest reserves in ADC lending and will provide insight to help you avoid being cited in regulatory examinations.

Acquisition, development and construction (ADC) loans are on the agenda of regulators because of the growing risk of default. The FDIC is becoming increasingly more vocal about ADC risks as they focus on the costs to the insurance fund. At the heart of the FDIC’s concerns are examiner observations of underwriting weaknesses in ADC loan portfolios-- lenders added extra interest reserves when the underlying real estate project was not performing as expected. According to the FDIC, this practice can mask loans that would otherwise be reported as delinquent and erode collateral protection, increasing a lender’s exposure to credit losses. To make matters worse, FDIC examiners have observed instances where ADC loans with interest reserves made up a substantial proportion, or even a multiple, of bank capital.

Join this interactive audio conference as our expert covers the following critical risk management areas:

• Assessing underwriting risks and properly structuring interest reserves
• Developing effective procedures that comply with regulatory guidance on the use of interest reserves
• Implementing procedures to manage “red flags” that alert lenders to potential problems at each stage of the ADC cycle
• Managing troubled ADC project interest reserves in compliance with regulatory guidance and accounting requirements
• And much more!

Registration Includes:

• Admittance to the 90-minute call for as many people as you can fit in a room with a speakerphone
• Access to the specially created presentation handouts (made available 48 hours in advance) which can be printed and used
• Participation in a 30-minute live Q&A with the speaker following the presentation
• Certificates of completion for all audio conference attendees

About Our Speaker

Gary M. Deutsch, CPA MBA CMA CBA CIA has worked extensively with financial institutions in audit, lending, financial, and operational areas. He has served in senior positions for regional banks as VP of Finance, Real Estate Loan Officer and Senior Audit Manager. Mr. Deutsch served as a consultant to financial institutions in strategic planning, profit improvement, financial management, and merger- and acquisition-related studies while working at KPMG. He was the CFO at a start-up bank, where he organized the accounting, finance, and investment functions to manage significant growth.

Mr. Deutsch is the President of BRT Publications LLC, a professional authoring company serving the financial industry. Some of his published works for AlexInformation include ALM Management Manual, Loan Procedures Manual, Practices and Procedures for Financial Institutions Risk Management, Bank Controller’s Manual, Internal Audit Procedures Handbook, and Risk-Based Audit for Financial Institutions.

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