A strong credit culture:
- Focuses the organization—everyone on the same page
- Reduces organizational conflict and confusion—priorities
- Minimizes the need for rigid controls
- Supports commitment to the organizational vision and mission
- Adds to the organization’s bottom line and enhances shareholder value
In order to achieve the advantages of a strong credit culture, there must be strong credit management achieving both means:
- Employing a set of diagnostic credit discipline tools to identify your existing culture and deciding on whether to maintain it or move on to a stronger culture
- Implementing the policies, processes, and procedures to implement your desired culture
- Managing the supporting infrastructure of credit administration, credit policy, loan documentation, loan booking, etc.
- The linkage between effective credit risk management and a strong credit culture
- Types of credit cultures and Methods for identifying organization’s existing credit culture
- Determining which credit culture best supports your organization’s risk appetite and risk tolerance
- Tools for identifying, measuring, and managing portfolio transactional, intrinsic, and concentration risks inherent in loan portfolios
- Examples of effective credit risk management practices and processes
WHY SHOULD YOU ATTEND?
Credit Risk Management is the function that ensures the organization is balancing its risk appetite with its risk tolerance to attain the organization’s desired credit risk objectives. This course provides guidance on how to implement and maintain the desired level of credit risk management with practical tools and techniques. Both the market and the regulatory agencies expect credit risk management to reflect the bank’s credit culture, so the class also offers direction on how to identify the organization’s credit culture and reposition it to support the desired credit risk culture and management.
LEARNING OBJECTIVES
- Elements of credit culture
- Types of credit culture
- Framework for implementing desired credit culture
- Credit discipline tools to diagnose, maintain and improve credit culture
- Managing transaction, intrinsic, and concentration credit risk
- Credit policy and credit administration best practices
WHO WILL BENEFIT?
- Credit Analysts
- Credit Managers
- Loan review officers
- Work-out officers
- Commercial Lenders
- Credit Risk Managers
- Chief Credit Officers
- Senior Lenders
- Senior Lending Officer
- Bank Director
- Chief Executive Officer
- President
- Board Chairman
Credit Risk Management is the function that ensures the organization is balancing its risk appetite with its risk tolerance to attain the organization’s desired credit risk objectives. This course provides guidance on how to implement and maintain the desired level of credit risk management with practical tools and techniques. Both the market and the regulatory agencies expect credit risk management to reflect the bank’s credit culture, so the class also offers direction on how to identify the organization’s credit culture and reposition it to support the desired credit risk culture and management.
- Elements of credit culture
- Types of credit culture
- Framework for implementing desired credit culture
- Credit discipline tools to diagnose, maintain and improve credit culture
- Managing transaction, intrinsic, and concentration credit risk
- Credit policy and credit administration best practices
- Credit Analysts
- Credit Managers
- Loan review officers
- Work-out officers
- Commercial Lenders
- Credit Risk Managers
- Chief Credit Officers
- Senior Lenders
- Senior Lending Officer
- Bank Director
- Chief Executive Officer
- President
- Board Chairman
Speaker Profile

A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek principal of Devon Risk Advisory Group based near Atlanta, Georgia. Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc. Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC). PCC’s purpose is to evaluate and recommend to FASB revisions to current and proposed generally accepted accounting principles (GAAP) that are …
Upcoming Webinars

Transform Data into Insights: A Beginners Guide to Excel Pi…

Leadership: Strategic Planning and Decision Making

Onboarding Best Practices for 2025: Proven Strategies to Po…

Seeking Truth: Detecting Truth, Lies and Deception in a Wor…

Managing Difficult Employee Conversations

Copilot and HR: An Introduction for HR Professionals

How to Document Employee Discussions and Why it is Important

Dealing With Difficult People In Life & Work

How to Write Effective Audit Observations: The Principles f…

OSHA Requirements for Supervisors, Project Leaders & HR - W…

FDA Compliance And Laboratory Computer System Validation

4-Hour Virtual Seminar on Transformational Leadership - The…

3-Hour Virtual Boot Camp on Easier Excel Automation with VB…


2025 Handbook Overhaul: Navigating Critical Updates! Federa…

Excel Spreadsheets; Develop and Validate for 21 CFR Part 11…

Negotiating Skills For Professional Results - Winning Strat…

Building Thriving Teams: Proactive Strategies for Managers …

Designing Employee Experiences to Build a Culture of Compli…

Empowering Conflict Resolution: Letting Go to Gain Control

Navigating Alcohol and Drug Addiction Protections Under the…

President Trumps Executive Orders And What They Mean to Emp…

The Anti-Kickback Statute: 2025 - Year in Review

FDA Technology Modernization Action Plan (TMAP) and Impact …

Form W-9 Compliance: TIN Verification, B Notices, and Avoid…

Workplace Investigations 101: How to Conduct your Investiga…

50+ new Excel features so far this decade


FDA Regulation of Artificial Intelligence/ Machine Learning

From Challenges to Compliance: Understanding Dietary Supple…

Utilizing HR Metrics to Illustrate & Improve Human Resource…

Do's and Don'ts of Documenting Employee Behaviour, Performa…


The Importance of the first 5 seconds when presenting

Why EBITDA Doesn't Spell Cash Flow and What Does

Outlook - Master your Mailbox - Inbox Hero Inbox Zero

Policy Pops: Navigating DEI in the 2025 Workplace: Strategi…


Impact Assessments For Supplier Change Notices

The Monte Carlo Simulations in Excel for Risky Investments

Understanding the incredible uses and fallbacks of ChatGPT

California Meal and Rest Breaks: What You Don't Know Can Co…

Unlock Employee Loyalty: Stay Interviews Will Keep Them Eng…


Onboarding is NOT Orientation - How to Improve the New Empl…


Gossip-Free: Leadership Techniques to Quell Office Chatter

Female to Female Hostility @Workplace: All you Need to Know


6-Hour Virtual Seminar on Learning the Highlights of Excel …