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The financial crisis proved that traditional credit risk metrics weren't enough. Bank boards that thought their institutions had excellent credit quality watched them fail when real estate values fell and the recession hit. Nowadays, banks of all sizes are either forming or have advanced enterprise risk management programs looking at the bank's overall risks into the future. So how is that changing the analysis of loans and credit quality? Credit Risk Management co-founder David Ruffin explains how to make sure your bank has an excellent credit risk management program in place.Read Full Article
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In this video CRM presents using our Credit Risk Migration Analysis (CRMA®) process as a foundation for effective loan portfolio stress testing.Watch Video
In this video CRM presents our two phased approach to loan portfolio due diligence. Phase I of this approach incorporates a remotely performed portfolio analysis with credit loss estimation which can be used to make a go/no go decision before proceeding to a boots on the ground detailed file review and refined credit loss estimate in Phase II. This process is useful for all Merger, Acquisition, Capital Raise and/or Equity Investment transactions involving any type of loan portfolio.Watch Video
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In this video, CRM presents various ways to calculate the Present Value of a loan in the context of impairment calculations. This includes an Excel demonstration of both the PV() function and the NPV() function.Watch Video
In this video, CRM answers frequently asked questions about the Present Value of a loan in the context of impairment calculations.Watch Video
In this video CRM presents 10 "Tips and Tricks" for more effective use of the Global Cash Flow Workbook in our CRM Toolbar®.Watch Video
In this video CRM presents how to prepare for Basel III, with particular focus on the Supervisory Assessment Process.Watch Video
In this video CRM presents the interconnectivity between interest rate risk and credit risk in a rising rate environment. This includes a high-level approach to assess the sensitivity of the loan portfolio to interest rate shocks.Watch Video
In this video CRM presents issues concerning compliance with spousal signatures and marital status discrimination.Watch Video
In this video CRM presents issues concerning compliance with flood insurance requirements and calculating sufficient flood insurnace coverage for condos and second leins.Watch Video
In this video CRM presents 4th quarter 2013 manual updates, focused mainly on updates that apply to regulatory compliance. This is in part an explanation of what's in the manual, how to use it effectively and your responsibilities for updating information that is specific to your bank.Watch Video
In this video CRM presents an overview of the customizations required for CRM tools and services that you subsribe to. We review a number of factors related to the new Dodd Frank regulations that went in to effect January 14, 2014, including: