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Contenido proporcionado por Mark Treichel and Mark Treichel's Credit Union Exam Solutions. Todo el contenido del podcast, incluidos episodios, gráficos y descripciones de podcast, lo carga y proporciona directamente Mark Treichel and Mark Treichel's Credit Union Exam Solutions o su socio de plataforma de podcast. Si cree que alguien está utilizando su trabajo protegido por derechos de autor sin su permiso, puede seguir el proceso descrito aquí https://es.player.fm/legal.
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Rating Commercial Credit Risk What You Need to Know

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Manage episode 444513777 series 3303439
Contenido proporcionado por Mark Treichel and Mark Treichel's Credit Union Exam Solutions. Todo el contenido del podcast, incluidos episodios, gráficos y descripciones de podcast, lo carga y proporciona directamente Mark Treichel and Mark Treichel's Credit Union Exam Solutions o su socio de plataforma de podcast. Si cree que alguien está utilizando su trabajo protegido por derechos de autor sin su permiso, puede seguir el proceso descrito aquí https://es.player.fm/legal.

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.


Guest: Vin Vieten, former commercial lender and NCUA regulator

https://www.linkedin.com/in/mark-treichel/

Key Points:
1. Credit risk rating systems are a standard practice in commercial lending and now required by NCUA regulations
2. A good credit risk rating system should be dynamic, accurate, and updated regularly
3. Credit risk ratings typically use a scale of 1-8, with 1-4 being "pass" grades and higher numbers indicating increasing risk
4. Both quantitative and qualitative factors should be considered when assigning credit risk ratings
5. Regular monitoring and updating of credit risk ratings can benefit both the credit union and the borrower

Key Quotes:
"Rating credit risk is a standard practice accepted practice. In managing commercial loan risk, all the other regulators focus on it..."

"To be effective, the risk rating system should be accurate at all times..."

"I personally believe that the quantitative is the easy part. It's that qualitative. And that's where your skills as a lender come in."

Resources Mentioned:
1. NCUA Part 723 (MBL/Commercial Lending Rule)
2. NCUA Examiner's Guide on Rating Credit Risk
3. Interagency Guidance on Credit Risk Review
4. OCC Handbook on Rating Credit Risk (2001)

Takeaway: Implementing and maintaining an accurate credit risk rating system is crucial for effective commercial lending management and regulatory compliance.

  continue reading

224 episodios

Artwork
iconCompartir
 
Manage episode 444513777 series 3303439
Contenido proporcionado por Mark Treichel and Mark Treichel's Credit Union Exam Solutions. Todo el contenido del podcast, incluidos episodios, gráficos y descripciones de podcast, lo carga y proporciona directamente Mark Treichel and Mark Treichel's Credit Union Exam Solutions o su socio de plataforma de podcast. Si cree que alguien está utilizando su trabajo protegido por derechos de autor sin su permiso, puede seguir el proceso descrito aquí https://es.player.fm/legal.

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.


Guest: Vin Vieten, former commercial lender and NCUA regulator

https://www.linkedin.com/in/mark-treichel/

Key Points:
1. Credit risk rating systems are a standard practice in commercial lending and now required by NCUA regulations
2. A good credit risk rating system should be dynamic, accurate, and updated regularly
3. Credit risk ratings typically use a scale of 1-8, with 1-4 being "pass" grades and higher numbers indicating increasing risk
4. Both quantitative and qualitative factors should be considered when assigning credit risk ratings
5. Regular monitoring and updating of credit risk ratings can benefit both the credit union and the borrower

Key Quotes:
"Rating credit risk is a standard practice accepted practice. In managing commercial loan risk, all the other regulators focus on it..."

"To be effective, the risk rating system should be accurate at all times..."

"I personally believe that the quantitative is the easy part. It's that qualitative. And that's where your skills as a lender come in."

Resources Mentioned:
1. NCUA Part 723 (MBL/Commercial Lending Rule)
2. NCUA Examiner's Guide on Rating Credit Risk
3. Interagency Guidance on Credit Risk Review
4. OCC Handbook on Rating Credit Risk (2001)

Takeaway: Implementing and maintaining an accurate credit risk rating system is crucial for effective commercial lending management and regulatory compliance.

  continue reading

224 episodios

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