Calendar of Events

2017 Loan Review Conference

08/29/2017 - 08/30/2017

Embassy Suites, Ridgeland map

Lori Richardson lrichardson@msbankers.com 601-948-6366

Description:

2017 Loan Review Conference
August 29-30
Embassy Suites, Ridgeland

Why Time Has Come to Qualify Loan Review Personnel

According to the FDIC Manual of Examination Policies, “The examiner’s evaluation of a bank’s lending policies, credit administration, and the quality of the loan portfolio is among the most important aspects of the examination process. It is the quality of a bank’s loan portfolio that determines the risk to depositors and the FDIC’s insurance fund…. Emphasis on review and appraisal of the loan portfolio and its administration by bank management during examinations recognizes, that loans comprise a major portion of most bank’s assets; and, that it is the asset category which ordinarily presents the greatest credit risk and potential loss exposure to banks.”

The statement above needs no further explanation of the importance of the loan portfolio to banks.  Those who are entrusted to maintain a Safe and Sound loan portfolio are scrutinized by federal regulators, before they are hired by financial institutions and while they hold their current credit administration position.

Included in this group are those responsible for the Loan Review function of banks.  Loan Review serves as the “Eyes and Ears” of the Board of Directors, and is one of the first line of defense in guarding against a faltering loan portfolio by acting as an “Early Warning System” for potentially bad loans or negative trends.  

Personnel hired to management the Loan Review Process require certain qualifications and skills to satisfy the federal regulators concerns over the Loan Review function in banks.  As such, this creates an opportunity for your State Banking Association to provide a “Certification” process for those involved in this important bank function.

CLICK HERE for more information & to register for this conference.