Risk Based Loan Pricing: Are your Rates Assuring your CUs Profitability?
“The key to successful risk based lending is to ensure that rates correctly reflect the risks and costs of your loans.”
NCUA Guidance Letter 174, August 1995
This webinar will assist CUs in developing a methodology to correctly and completely identify all costs associated with their lending program. Couple that with appropriate risk to ensure that their risk based rates provide a needed return to the CU.
- Thorough review of regulatory environment and requirements
- Identify all pertinent regulations affecting risk based lending
- Review a comprehensive methodology to identify and quantify loan related costs
- Discuss varied decisioning to be used for different grades of loans
- Discuss effective pricing strategies that include margins that support profitability
- Discuss accounting strategies related to risk based lending
- Discuss implications of risk based pricing on CECL implementation
Who Should Attend:
- 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: April 18, 2017 | 1:00pm MST
Prerequisites: 6 months’ minimum experience in consumer lending. Basic understanding of accounting.
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.
VirtualCorps.com 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 website: http://www.nasbaregistry.org.
About the Presenter
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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