White Papers

White Papers

  1. Managing third party risk is a top priority for financial institutions. As regulatory expectations continue to evolve, institutions need to remain diligent in developing a program that mitigates the risks posed from outside vendors and protects its data, operations, and finances.
  2. As risk managers reflect on the industry’s evolutionary development and contemplate the fundamental questions of “where did we come from” and “where are we going,” it is prudent to consider historical industry dynamics and anticipate future industry trends to compose the skill profile of the next decade’s agile risk manager.
  3. The following piece discusses shocks or imbalances in the economy, loan growth, and sector risks. Learn about these factors and more affecting the commercial lending and commercial real estate lending sectors.
  4. This document helps promote greater consistency in the spreading of bank financial statements. The guidelines provided match the spreading practices at most banks.
    Many of those spreads make up the financial information contained in the RMA Annual Statement Studies®.
  5. Midstream companies perform an essential service in the energy market. The role and complexity of this segment gives it a different risk profile from that of reserve-based lending. Learn about midstream company characteristics and underwriting standards and practices.

  6. Prudent real estate underwriting uses quantitative analysis. However, real estate math isn't just a black‐and‐white exercise, nor is it simple formula lending. Many qualitative judgments feed into your estimates of property cash flow, coverage, and value that come from quantitative analysis.
  7. The Current Expected Credit Loss (CECL) methodology requires vigorous data collection methods. Download this white paper to find out what your bank needs to do to start capturing, storing, and reporting on loan-level loss information. You'll also get a list of CECL resources. 

  8. The RMA Operational Risk Management Framework accommodates scalability regardless of the size, scale, or complexity of your institution and serves as the foundation for associated principles.  Find out how each principle aligns with the framework and learn how you can create highly functional ORM programs.
  9. Prudent real estate underwriting uses quantitative analysis. However, real estate math isn't just a black‐and‐white exercise nor is it simple formula lending. Download “What You Really Need to Know about Commercial Real Estate Underwriting: Back to Basics” to learn about quantitative analysis and integrating qualitative factors, underwriting guidelines, regulatory guidance, and value and cash flow analyses.

  10. The approval and execution of high-dollar loans is a risky responsibility. In order to avoid taking on dangerous loans, approval staff are obligated to be thorough and detailed in their analysis of potential relationships.

  11. This paper provides an overview of the best practices in lending. The practices will benefit all lenders, regardless of their regulatory standards.