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Risk Guidance on Commercial Real Estate Concentrations

 

Commercial real estate (CRE) and multifamily concentrations are an area of scrutiny for regulators in the current exam cycle.

The regulatory agencies have gone on record stating that 'concentrations are bank killers' - and that most of the banks that failed during the great recession were 'CRE Concentrated'. Community banks due to their lending products and foot print tend to be concentrated by default, and need to recognize that managing concentration risk is a priority. Regulators are concerned that underwriting standards on CRE loans has loosened nationwide and will continue to be focused on in exams. Like in 2006, the agencies are issuing guidance on tightening CRE underwriting standards and enhancing credit concentration management.
This topic will discuss why concentration management is considered so critical to bank health, and what steps to put in place to ensure that proactive concentration management becomes part of a bank's credit culture. We will take a holistic view of regulatory context, data management, credit policy and tools like stress testing to support effective CRE concentration management. Takeaways include a road map for the implementation of a successful concentration management program and a live demonstration of a successful CRE concentration based stress test. Ardmore Banking Advisors has been assisting community banks in effectively managing credit risk for more than 25 years, and is a nationally recognized thought leader in CRE credit management.

Agenda

Faculty

Peter L. Cherpack

Peter L. Cherpack

Ardmore Banking Advisors

  • Executive vice president and principal of Ardmore Banking Advisors
  • Brings more than 30 years of experience in banking, where he has specialized in information technology, operations, business analysis, and high-level project management
  • Works with clients to recommend the appropriate application of technology solutions to enhance and improve their lending and credit processes, and delivers and supports the installation of Ardmore Banking Advisors’ credit portfolio management and stress testing tools, myCreditInsight™, to more than 70 banking institutions across the United States
  • Featured in a number of recent publications including the Journal of Risk Management, the RMA Journal, Bank Director, American Banker and The Independent Community Banker
  • Recent speaking engagements include the Tennessee, Pennsylvania and California Bankers Associations, the Conference of State Bank Supervisors, the FFIEC Supervisory Updates and Emerging Issues Seminar, the RMA Annual National Conference, The Bank Directors Institute and the Web Equity and CSI Annual Customer Conferences
Louis J. Dunham

Louis J. Dunham

Ardmore Banking Advisors

  • Senior Vice President and Senior Director of Risk Consulting at Ardmore Banking Advisors with more than 40 years of experience in the financial services industry
  • Has served as President, Chief Executive Officer, Interim Chief Executive Officer, Bank Director, Chief Risk Officer and Chief Credit Officer at commercial banks and thrifts ranging from $100 million to $3.3 Billion in assets
  • An accomplished executive with wide-ranging management abilities in corporate governance, lending, credit, finance, business development, policy development, as well as compliance and regulatory matters at several public and private financial institutions
  • Extensive experience in policy development and implementation for all bank and bank subsidiaries including investment portfolio management, commercial, commercial real estate, consumer, and mortgage underwriting, credit related technology, commercial and consumer workout units, collections, OREO disposition, charge off and recovery, and loan documentation

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