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. Michael Porter's framework for analyzing industries and competitors helps you assess a company’s ability to succeed. Understanding how an industry affects a business can help you interpret the repayment risks associated with lending to that business.
  3. 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.
  4. 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.
  5. 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®.
  6. 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.

  7. In Part 3 of the 3 part series, the RMA Credit Risk Council report addresses the following 2 topics: 1.) How to stay balanced as risk managers in today's benign environment and 2.) Data governance.
  8. In Part 2 of the 3 part series, the RMA Credit Risk Council report addresses the following 3 topics: 1.) The changing role of the underwriter 2.) Appraisal issues and 3.) Commercial real estate issues.
  9. In Part 1 of the 3 part series, the RMA Credit Risk Council report addresses the following 3 topics: 1.) Political and economic uncertainty in the Trump era 2.) The rise and risks of lending to non-depository financial institutions. and 3.) Managing risk in indirect auto loan portfolios.

  10. 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.
  11. 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. 

  12. 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.
  13. November 01, 2016

    The craft beer business is booming. But when will this market reach oversaturation? That’s difficult to say, but you can take steps to mitigate the risk in this competitive and rapidly growing industry. Download “Will the Beer Bubble Burst?” and get tips on lending to craft breweries. 

  14. The RMA Credit Risk Council’s annual review of the critical credit topics currently affecting the industry is now available to you. This paper provides insights on the emerging risks in oil and gas markets, prepping for the next downturn, the talent gap, the multi-family lending bubble, matters requiring attention this year, leveraged lending and SNC recent issues, the small business lending outlook, and the data gap regarding CECL.
  15. "Spilled Milk" articles from The RMA Journal illustrate how to avoid pitfalls in lending. This month, read about a banker who thought that his credit to a car wash operator was clean and how the borrower—and, subsequently, the bank—quickly ran into trouble. Learn about the four missteps that caused loss and what elements of lending you should keep in mind to avoid ending up in hot water. 

  16. 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.

  17. Learn what your peers have to say about interest rate risk (IRR) management policies and practices. “15 Things You Should Know about Interest Rate Risk Management” discloses how your peers handle organizational structure and governance, IRR circumstances, risk measurement, and derivative usage. 

  18. Get 10 incredibly useful insights for bankers in your free copy of the RMA’s Credit Risk Council’s “2015 Industry Insights: Perspectives from the Front Line.” This annual review of the critical credit topics currently affecting our industry looks at stress testing, HELOC, HVCRE, underwriting standards, leveraged, multi-family, and cyclical lending, and more. 

  19. 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.

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