Are You Diversifying Your Loan Portfolio Appropriately?
In the wake of the subprime mortgage crisis and crumbling U.S. real estate market, it’s time for banks to rethink their strategies and diversify their portfolios.
This session explores the new reality of loan portfolio diversification for community banks.
Commercial Real Estate loans seemed like a sure bet for the banking industry for a very long time. “You Got the Dirt You Can’t Hurt” was the school of thought and there was no end in sight to the market’s ability to produce a profit. Until the walls started tumbling down. The sub-prime mortgage crisis, combined with the crumbling U.S. real estate market, has forced banks to rethink their strategies. Turns out, dirt hurts and now it’s time to for banks to diversify their portfolios.
- Discussion of 2007-2014 banking period with emphasis on loan portfolio experience
- Guidance for loan portfolio diversification from the regulatory community
- The ALLL dilemma – where are we and where are we headed
- Finding new lending areas to expand portfolios
This session will explore the new reality of portfolio diversification and how community banks must rethink their loan portfolios. We will cover C&I lending and the pitfalls and challenges that go along with it. How do you find the right employees for this and how do you properly underwrite these types of loans? These and other questions will be answered during this interactive session.
CEOs, senior lenders, chief credit officers and lending staff.
Karl Nelson is the President and CEO of KPN Consulting, an organization engaged in the ALCO, funding and liquidity arena. His career has included senior positions with Silverton Bank, IDC Deposits and Promontory Interfinancial Network. In addition, Karl served as a SVP with the Federal Home Loan Bank of Atlanta, where he managed sales, marketing, strategic planning, trade association/regulatory outreach and served on the bank’s ALCO. Karl serves on the faculties of a number of graduate banking schools and consults regularly with community bank boards and management on business strategies.
David Ruffin is co-founder and managing member of Credit Risk Management, L.L.C (CRM). Founded in 1989, CRM provides comprehensive credit-related products and services to banks and other lending institutions throughout the U.S. David is a former bank credit officer and regional manager for Robert Morris Associates (Risk Management Association).
Jeff Berkson is a Director with CRM, focusing on business intelligence. His experience with CRM includes due diligence, quantitative modeling and ERM. Jeff led the design and development of CRM’s ERM dashboard and Dodd-Frank Act Stress Test forecasts. Prior to joining CRM, Jeff was a bank chief information officer. He also co-founded Metric Tracker, an analytics consulting firm specializing in collections, and Easy Tax Fix, a consumer-facing, web-based property tax appeal service.
Institute of Certified Bankers: Visit http://www.icbmembers.org/login.aspx for instructions regarding self-reporting. Estimated credits: 2 hours/session
Member price: $275.00 | Non member price $550.00
Member price: $295.00 | Non member price $560.00
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