Order Online: |
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| CD only: | $299.00 |  |
| Date: | Wednesday, October 22, 2008 |
| Time:* | 1:00 PM – 2:30 PM ET |
| Featured Speaker: | Gary M. Deutsch |
| Duration: | 90 Minutes |
| Location: | Your office or conference room |
| Prerequisites: | None |
If your area does NOT observe Daylight Saving Time, the time will be one hour earlier.
Now is your chance to attend this popular audio conference!
With the issuance of updated guidance on the establishment of the allowance for loan and lease losses (ALLL) at the end of 2006 together with the current safety and soundness concern over increasing mortgage foreclosures, examiners are focusing on loan quality reviews during their examinations. Although loan quality reviews are not new, this examiner focus means that financial institutions must reevaluate their own loan review programs to ensure that they meet ALLL system transparency requirements as well as safety and soundness regulations and guidelines.
An effective loan review system should have, at a minimum, the following objectives:
- To promptly identify loans with potential credit weaknesses
- To appropriately grade or adversely classify loans, especially those with well-defined credit weaknesses that jeopardize repayment, so that timely action can be taken and credit losses can be minimized
- To identify relevant trends that affect the collectibility of the portfolio and isolate segments of the portfolio that are potential problem areas
- To assess the adequacy of and adherence to internal credit policies and loan administration procedures and to monitor compliance with relevant laws and regulations
- To evaluate the activities of lending personnel including their compliance with lending policies and the quality of their loan approval, monitoring, and risk assessment
- To provide senior management and the board of directors with an objective and timely assessment of the overall quality of the loan portfolio
- To provide management with accurate and timely credit quality information for financial and regulatory reporting purposes, including the determination of an appropriate ALLL
To ensure that institutions are adequately covering these objectives, we will discuss the following areas in this time critical audio conference:
- Elements of Loan Review Systems
- Loan Classification or Credit Grading Systems
- Qualifications of Loan Review Personnel
- Independence of Loan Review Personnel
- Frequency of Reviews
- Scope of Reviews
- Depth of Reviews
- Review of Findings and Follow-Up
- Workpaper and Report Distribution
- Quality review methods discussed in this conference can be applied to all types of loans-not just residential mortgage loans
- And much more!
Who Should Attend:
- Loan Review Officers
- Chief Finance Officers
- Compliance Officers
- Loan Officers
- Everyone involved with creating and maintaining your loan quality review policies and procedures for your institution
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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