ABA Conference for Community Bankers

I am very honored to have been asked to speak at the ABA Conference for Community Bankers coming up in February 2012 in Palm Desert, CA.  Overall, I believe this conference will be very beneficial and informative to those in the community banking industry.  Hopefully it will also be an opportunity to meet many of you and answer any questions you might have.  Below is a summary of what I will be discussing in my session.  I hope to see you there!

CRE Loan Stress Testing for the Community Banker
Hazardous lending concentrations and the lack of robust risk management practices have led to increasing failures among community banks, which has in turn renewed federal regulators' commitment to focusing on the issue of better CRE concentration analysis and stress testing capabilities.  After this session, you will be better prepared to comply with regulatory expectations because we will cover how to identify and monitor risky segments and concentrations in your own commercial real estate loan portfolio.  This session will also teach you how to properly perform and interpret the results of portfolio level CRE stress testing in a community bank, and you will be given a clear understanding of what to do with those results once you have them

Learning Objectives:

• Identify and monitor CRE concentrations
• Perform portfolio level CRE stress testing
• Interpret the results and assess the impact of the institution's capital, asset quality, and earnings