Stress testing results are not only crucial to identifying higher-risk portfolios and individual borrowers, but even more critically, the potential impact on your capital level. Assessing the impact of one segment of your loan portfolio does not account for the total potential impact on capital. Learn how to use data from all loan portfolio segments as part of your overall capital adequacy testing and capital planning process. The purpose of stress testing is to understand how a loan portfolio could react under varying degrees of stress, because it’s better to understand what could happen in stressed times far enough ahead to allow for adjustments to lessen the impact. CRE loans are the most sensitive to increased stress, however this webinar will not only cover CRE loans but also ag, C&I, owner-occupied CRE loans, and consumer loan portfolios. You’ll learn the types of stress factors to assess for each and how to construct realistic, useful, scenarios. Once the results of the stress tests are known, how can the data be used? The data can highlight the segments – and specific borrowers – that will be most impacted and allow time to adjust your underwriting, risk appetite, and portfolio management to lessen the impact when the next, and inevitable, economic downturn occurs. In addition, this webinar will cover the regulatory expectations based on recent guidance and exams. Many of the concepts in this webinar can be adapted to other parts of your organization as you perform stress analysis in your capital planning process.
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
- Identify the uses and limitations of stress testing
- Know how to stress test at both the portfolio and individual borrower levels
- Construct realistic risk scenarios for assessing each segment of your loan portfolio
- Further analyze your stress test results and what to include in your stress test analysis
- Better understand how to take the concepts of stress testing your loan portfolio and apply them to other aspects of your organization
- Comprehend how stress testing is a key component of your institution’s capital planning
- Understand the regulatory expectations in today’s environment
TAKE-AWAY TOOLKIT
- Checklist of items to consider when determining your stress scenarios
- List of resources for stress testing, including where to find the data needed to construct stress scenarios
- Employee training log
- Interactive quiz
- PDF of slides and speaker’s contact info for follow-up questions
- Attendance certificate provided to self-report CE credits
WHO SHOULD ATTEND?
This informative session is designed for CFOs, chief risk officers, chief credit/lending officers, credit analysts, and anyone involved in capital planning, loan portfolio risk management, and stress testing CRE, C&I, and ag borrowers.
NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.
MEET THE PRESENTER
Robert L. Viering, RiverPointUSA LLC
Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee. Prior to becoming a consultant, Bob was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Bob held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.
THREE REGISTRATION OPTIONS – WHAT YOU GET
1. LIVE WEBINAR
- Unlimited live connections with shareable access within your institution
- Available to view on desktop, mobile & tablet devices
- Take-away toolkit
- Live Q&A session & the presenter's contact info for follow-up questions
- Access the webinar training from your User Portal
2. ON-DEMAND WEBINAR
- Unlimited and shareable access to the recording within your institution,
starting two business days after the live date
- Available to view 24/7 on desktop, mobile & tablet devices
- Take-away toolkit
- Ability to download the webinar video and toolkit items
- Presenter's contact info for follow-up questions
- Access the webinar training from your User Portal
3. BUNDLE & SAVE
- Save when you Bundle the Live + On-Demand Webinar Registration
- Includes all the items listed above
- Full registration descriptions can be found here
