Risk Management & Credit Risk Blog | RMA

Changing Credit Culture in a Dynamic Regulatory Environment

Regulatory expectations continue to increase, including credit management challenges like concentrations, CRE, CECL, and other proactive risk management practices. A healthy credit culture can more easily adapt to meet these challenges.

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RMA Wisconsin Chapter Supports College Students with 1st Annual Commercial Lending Case Competition

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Washington, The Week Ahead - June 24-28, 2019

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How to Manage the Governance, Operational, and Other Implications of CECL

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Latest Trends in Underwriting Small Business Loans

Are banks centralizing their operations to increase efficiency or are they keeping decisions local and close to customers? In the kickoff to RMA's 2017–18 Credit Risk Management Audio Conference Series, John O’Connor, Partner, Praxis Advisors LLC, discussed these questions facing small business lending leadership.

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RMA Wisconsin Chapter Supports College Students with 1st Annual Commercial Lending Case Competition

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Washington, The Week Ahead - June 24-28, 2019

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How to Manage the Governance, Operational, and Other Implications of CECL

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Current Appraisal Issues

Appraisals continue to be a very important and required valuation tool for both owner occupied and investor real estate transactions. Independent ordering and review separate from relationship managers and approval officers remains critical. There are, however, ongoing discussions about issues with appraisals and a few are outlined below. 

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RMA Wisconsin Chapter Supports College Students with 1st Annual Commercial Lending Case Competition

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Washington, The Week Ahead - June 24-28, 2019

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How to Manage the Governance, Operational, and Other Implications of CECL

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Being a Banker Today – The Changing Role of the Underwriter

Before the financial crisis, the primary role of the bank underwriter was to make good decisions in deploying the bank’s resources to help loan applicants achieve their goals. The scorecard for how well the banker or underwriter did their job could be seen in their unit’s income statement.

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RMA Wisconsin Chapter Supports College Students with 1st Annual Commercial Lending Case Competition

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Washington, The Week Ahead - June 24-28, 2019

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How to Manage the Governance, Operational, and Other Implications of CECL

Read More

Managing Risk in Indirect Auto Portfolios

Recent finance industry media coverage has shown concern over the impact of new car volumes on resale prices, and concurrent competitive pressure on vehicle loan pricing. 

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RMA Wisconsin Chapter Supports College Students with 1st Annual Commercial Lending Case Competition

Read More

Washington, The Week Ahead - June 24-28, 2019

Read More

How to Manage the Governance, Operational, and Other Implications of CECL

Read More