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ALM: Comparison of Earnings at Risk (EAR) to Value at Risk (NEV)

ALM: Comparison of Earnings at Risk (EAR) to Value at Risk (NEV)

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Presentations from regulators discuss the use of Value of Risk (NEV) and Earnings at Risk (EAR) in the management of CU IRR. Interagency directive from the OCC (Office of Comptroller Currency) ”Encourages all financial institutions to use income simulations.” 2012.  

This webinar will take a detailed look at each methodology and discuss their pros and cons. Participants will be guided to see the effects of each methodology in the IRR domain.


  • Thorough review of regulatory environment and requirements
  • Understand Value at Risk (NEV)
  • Understand the role of assumptions in NEV
  • Understand the underlying constructs supporting EAR
  • Understand the implications of each methodology in managing IRR
  • Discuss accounting strategies related to IRR management

Who Should Attend:

  • CEOs/Managers
  • CFOs
  • Lending Officers
  • Compliance Officers
  • ALCO Committee Members
  • Certified Public Accountants (CPAs)
  • Internal Auditors or others working in accounting roles at the CU

By purchasing this webinar, you are registering for this session. Additional registration information will be sent to you in a response from this commerce site that requires logging onto and signing in through a webex link. In order to be awarded the full credits, you must respond to three out of the four polling questions asked during the program. (Please note Webinar Event Time & Date).

Participants will earn 1.0 CPE credit.

Field of Study: Finance

LIVE DATE: March 14, 2017 | 1:00pm MST

Additional Information


Minimum 6 months of ALCO/accounting experience in the credit union. Exposure to IRR management is helpful.

Advanced Preparation: None

Program Level: Intermediate

Delivery Method: Group Internet Based

Refund and Cancellations: Requests for refunds must be received in writing within 7 days of initial purchase and will be subject to a cancellation fee. For more information regarding refund, complaint, and/or program cancellation policies please contact our offices at 406-315-2809. is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit.  Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its web site

About the Presenter

Randy Thompson

Risk-based Lending / Credit Migration / Pricing

Randy’s background includes more than 10 years in banking, 15 years in higher education and 4 years in state and national government. He has held various positions in his banking career including branch manager, senior commercial loan officer, and Division Vice President. During his banking tenure he created a cutting edge methodology for pricing commercial loans. His research and teaching focused on the development of effective behavior change models.



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