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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.Regulators have indicated that they will focus on banks which have had significant growth in CRE or are approaching or already exceeding regulatory thresholds for CRE concentrations. However, having a CRE concentration is not necessarily a bad thing. In fact, many community banks have successfully managed their CRE portfolios through several economic cycles. This topic will help you ensure that you have an effective risk management framework to demonstrate your ability to manage your CRE concentration risk. We will discuss how to manage this type of concentration risk, including lessons learned from past cycles and current industry best practices. Topics covered include limit structures, underwriting/policy requirements, MIS and reporting, stress testing and Board oversight. This topic will enable banks to be proactive with their regulators in showing that they have sufficient capital to support a CRE concentration, and the necessary information and oversight to allow the Board and management to continually assess whether the bank’s CRE strategy remains appropriate given current market conditions and portfolio trends.
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Over 30 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Agenda

Why the Current Concern About CRE Concentrations?
  • Data From Last Downturn
  • Current Underwriting Trends
  • Current CRE Market Trends
How to Implement Elements of an Effective Risk Management Framework
  • Board and Management Involvement and Oversight
  • Portfolio Management
  • Management Information Systems
  • Market Analysis
  • Credit Underwriting Standards
  • Stress Testing
  • Credit Review
Stress Testing - Essential to Justifying Concentrations
  • Different Methodologies
  • Support Existing Limits and Contemplated Increases in Limits
  • Proactively Demonstrate Capital Adequacy to Support Concentration Levels
Other Implications
  • Considerations for Allowance for Loan and Lease Losses
  • Diversifying the Loan Portfolio – Risks and Benefits
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Why Lorman?

Over 30 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Credits

Audio & Reference Manual

  • AK CLE 1.0
     
  • Arizona CLE 1.0
     
  • CA MCLE 1.0
     
  • CT CLE 1.0
     
  • GA CLE 1.0
     
  • HI CLE 1.0
     
  • IL CLE 1.0
     
  • ME CLE 1.0
     
  • MO CLE 1.2
     
  • MT CLE 1.0
     
  • NJ CLE 1.2
     
  • NV CLE 1.0
     
  • UT CLE 1.0
     
  • VT CLE 1.0
     
  • WA CLE 1.0
     
  • WV MCLE 1.2
     
The CLE Code is ONLY a requirement when applying for CLE Credit in California (for participatory credit), Kansas, New Jersey or New York. Other states do not need to supply the CLE Code to apply for CLE credit.

This program format does NOT qualify, nor meet the National Standard for NASBA accreditation.

MP3 Download

  • AK CLE 1.0
     
  • Arizona CLE 1.0
     
  • CA MCLE 1.0
     
  • CT CLE 1.0
     
  • HI CLE 1.0
     
  • IL CLE 1.0
     
  • ME CLE 1.0
     
  • MO CLE 1.2
     
  • MT CLE 1.0
     
  • NJ CLE 1.2
     
  • NV CLE 1.0
     
  • UT CLE 1.0
     
  • VT CLE 1.0
     
  • WA CLE 1.0
     
  • WV MCLE 1.2
     
The CLE Code is ONLY a requirement when applying for CLE Credit in California (for participatory credit), Kansas, New Jersey or New York. Other states do not need to supply the CLE Code to apply for CLE credit.

This program format does NOT qualify, nor meet the National Standard for NASBA accreditation.

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More Program Information

Why Lorman?

Over 30 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Faculty

Elizabeth Williams

Elizabeth Williams

CEIS Review

  • Managing director of Special Projects at CEIS Review and has more than 25 years’ experience in banking and consulting
  • Manages CEIS’ advisory engagements as well as those pertaining to the Allowance for Loan and Lease Losses (including methodology validation), stress testing programs and various projects for clients involving “complex” portfolios, process and procedure and other specific needs
  • Previously worked at Bank of America and legacy institutions FleetBoston and BankBoston, and began her career at Chase Manhattan Bank
  • Has held leadership positions in risk management, loan review, credit, and portfolio management
  • Positions held have included Commercial Credit Policy executive, managing director in Credit Review, and senior credit officer responsible for firm-wide lending to national retailers, restaurants and food and beverage companies
  • Has also led loan review examination teams assessing lending and risk management in Latin America, Asia and in a number of specialized industries
  • M.B.A. degree, Northeastern University in Boston; undergraduate degree in economics, College of William and Mary in Williamsburg, VA
  • Can be contacted at 212-967-7380 or lwilliams@ceisreview.com
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Product ID: 399688
Published 2017
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