Emerging Leader Education: Consumer Loan Portfolio Grading: Assessing Strengths & Mitigating Weaknesses

Registration Options & Pricing

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Recorded Webinar Includes

  • Recording of the Live Webinar
  • Can be viewed anytime 24/7, beginning 2 business days after the webinar
  • Handout and Take-Away Toolkit
  • Available on Desktop, Mobile & Tablet
  • Free Digital Download, yours to keep
  • Share link with anyone at your credit union
  • Presenter’s contact info for follow-up

Risk grading consumer loans is necessary due to increased regulatory emphasis on credit portfolio management and accounting standards required disclosures. This leads to assessment of the credit risk level in the various segments of the consumer loan portfolio and whether the current risk level is within the board’s risk tolerance guidelines. The next step is developing a roadmap to the future. Managing a loan portfolio starts with knowledge of where you are and a clear vision of where you want to be.

Regulators are requesting financial institutions to explicitly set forth the nature and risk level they want to assume (their risk appetite) and explain how they will adhere to it in the face of aggressive business goals, increasing competitive pressures, and changing economic conditions.

Recorded Thursday, January 23, 2014

Attendance certificate provided to self-report CE credits.


  • Reasons for risk grading consumer loans
  • Regulatory guidance on credit risk grading systems
    • Grading matrix for consumer lending
    • Risk indicators to capture on management information systems
  • Credit risk – the roadmap
    • Directors and credit risk requirements
    • Use of forward-looking models
    • Establishing credit risk tolerance levels
  • Assessing strengths and mitigating weaknesses
    • Assessment process
    • Findings from client engagements
    • Managing credit risk at the portfolio level

    • Employee training log
    • Quiz you can administer to measure staff learning and a separate answer key


This informative session is designed for CEOs, presidents, CFOs, chief risk officers, the risk management team, senior credit officers, and loan officers.

NOTE:  All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.


Young & Associates, Inc.
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