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Consumer Loan Portfolio Grading: Assessing Strengths & Mitigating Weaknesses (Emerging Leader Series)

Date: January 23, 2014

Time: 3:00pm - 4:30pm

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Risk grading consumer loans is necessary due to increased regulatory emphasis on credit portfolio management and accounting standards required disclosures. This leads to assessment of the credit risk level in the various segments of the consumer loan portfolio and whether the current risk level is within the board’s risk tolerance guidelines. The next step is developing a roadmap to the future. Managing a loan portfolio starts with knowledge of where you are and a clear vision of where you want to be.

Regulators are requesting financial institutions to explicitly set forth the nature and risk level they want to assume (their risk appetite) and explain how they will adhere to it in the face of aggressive business goals, increasing competitive pressures, and changing economic conditions.

Continuing Education: Attendance verification for CE credits upon request

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  • Reasons for risk grading consumer loans
  • Regulatory guidance on credit risk grading systems
    • Grading matrix for consumer lending
    • Risk indicators to capture on management information systems
  • Credit risk – the roadmap
    • Directors and credit risk requirements
    • Use of forward-looking models
    • Establishing credit risk tolerance levels
  • Assessing strengths and mitigating weaknesses
    • Assessment process
    • Findings from client engagements
    • Managing credit risk at the portfolio level
    • Employee training log
    • Quiz you can administer to measure staff learning and a separate answer key


This informative session is designed for CEOs, presidents, CFOs, chief risk officers, the risk management team, senior credit officers, and loan officers.

Webinar content is subject to copyright and intended for your individual credit union’s use only.