Credit Risk Management

What is Credit Risk Management?

The credit risk management definition has widened given the growing number of risks that banks must manage and the importance of risk management policy has increased. However, mitigating losses associated with the non-payment of loans made to businesses and people is a primary responsibility. Credit risk management can be summed up as how a bank measures, manages, and monitors its exposures to achieve a desired return on its capital. Credit risk managers are tasked with making decisions that impact the composition and performance of the loans..

In the past, managing the credit portfolio was considered good credit risk management. But in today's broader, more complex environment, best-practice institutions understand the importance of measuring and managing risk across the entire enterprise. RMA recognizes that managing credit risk is essential to enterprise-wide risk management, so we provide credit risk analysis training and credit risk management training for risk professionals at every stage of their career with a wide offering of credit risk courses. RMA is the premier provider of commercial credit risk management education and information.

Browse our credit risk management courses and resources below:

RMA's Risk Readiness Webinar Series 

  • Stay ahead of the industry's top risks with best practices from our webinar series. The webinar series will feature two 1-hour webinars every first and third Tuesday of the month on a variety of current topics. Register Today.


      Recorded Web Seminars

      • Make the most efficient use of your credit and operational risk training dollars by registering for RMA Web Seminars On Demand. Unlike traditional, classroom training courses, our Web seminars are informational learning opportunities viewed via a Web browser at your convenience. So you can gather as many people around a computer as you would like and pay one affordable price.

      Credit Risk Regulatory Issues (Members Only)

      Your Source for the Latest Regulatory Updates

      With a finger on the pulse of the financial services industry, RMA acts as a liaison between institutions and bank regulatory agencies to bring you the latest updates, meeting often with industry regulators to discuss issues of mutual concern. Of particular interest for members only is the Regulatory BulletinLog in to access the Bulletin.

      Interested in becoming a member of the Risk Management Association? 

      Learn more about the value of becoming a member and the various memberships we offer.

      Comments or questions relating to Credit Risk within RMA may be addressed to Laurie Foster, CRC, Associate Director - Credit Risk. 

      Related Events

      Mon 10 Feb

      Credit Analysis Manager Seminar (349529-20)

      The course is designed to provide you with the resources to be successful in strategically managing the day-to-day realities while developing a plan to move your team in the right direction.

      February 10, 2020 – Grand Rapids, MI

      Register Now

      Mon 10 Feb

      Detecting Problem Loans (301010-20)

      A process for recognizing and dealing with problem loans.

      February 10, 2020 – Sacramento, CA

      Register Now

      Tue 11 Feb

      Real Estate Lending Academy (314004-20)

      Explores both qualitative issues and traditional quantitative analysis.

      February 11-13, 2020 – Little Rock, AR

      Register Now

      Annual Statement Studies

      Trusted for over 95 years, RMA's Annual Statement Studies gives you access to accurate industry ratio benchmarking data for financial statement analysis.

      Learn More


      Searching for information on a specific industry? Learn more about eMentor, a comprehensive market intelligence tool featuring industry-specific credit information.

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      Credit Risk Certification (CRC)

      Learn more about Credit Risk Certification (CRC) from RMA. Get the study materials you need and take our credit risk management certification practice test to see if you're ready for the exam.

      Learn More