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Credit risk is the primary financial risk in the banking system and exists in virtually all income-producing activities. How a bank selects and manages its credit risk is critically important to its performance over time.

Office of the Comptroller of the Currency
Thank you for participating in this effort to gauge the state of credit risk readiness in America as we start into 2018.

Our sponsors are dedicated to your success and have provided some additional resources for your use.

Sponsor Resources For You

Take tax return and financial statement analysis training on to help you better understand your borrower, determine debt repayment ability, and make more good loans.

See training details and a full module list here.

Make More Good Loans

More than just numbers, formulas and spreadsheets, Tax Return Analysis is about understanding the borrower and their business, getting the story behind the numbers and making a good loan decision.

Spotting and resolving concerns, red flags, something that should stop you in your tracks, is a key aspect which is often learned haphazardly as things go wrong!

As important, lending and credit professionals need to differentiate when something that initially seems like a red flag has an explanation that resolves the concern.

Download Linda's 20 page guide Red Light or Green Light?
Sageworks offers lending, credit risk and portfolio risk software to efficiently grow and improve the borrower experience. Sageworks uniquely provides integrated solutions and industry expertise to more than 1,100 financial institutions that achieve an average 38% higher loan growth than peers.

Grow profitably while mitigating risk

Sageworks' Lending, Credit Risk and Portfolio Risk solutions help over 1,200 banks eliminate manual processes and errors and spend more time analyzing results, strengthening their methodologies, bringing in new business and serving customers. The solutions also improve examiner relationships with well-documented and compliant processes.

Download Sageworks' complimentary Commercial Risk Rating Considerations.

The CEIS Review mission is to be the preeminent provider of independent outsourced loan review, loan portfolio stress testing, ALLL methodology validation or refinement, as well as being a provider of related commercial credit management techniques to financial institutions worldwide.

Commercial Loan Review

CEIS Review’s cornerstone business is in providing commercial loan review programs for financial institutions. These programs are implemented by seasoned banking professionals who have senior lending and executive management experience. CEIS’ professionals have been associated with community banks, regional banks, money center banks, and commercial finance companies.

See The CEIS Quarterly Q4 2017 here.

View CEIS Review's Independent Loan Review white paper here.

The Institute for Extraordinary Banking is the only independent advocate for the community banking industry. Founded by banking thought leader Roxanne Emmerich, and backed by a who’s who of modern American business leaders, the Institute exists to promote the importance of community banks to our nation, our economy and our communities.

How Banks Can Get More Low-Cost Deposits

Join Roxanne Emmerich, New York Times best-selling author, award-winning speaker, and 3-time Entrepreneur of the Year, as she shares her Low-Cost Deposit Attraction Blueprint.

In this Master Class for High-Performance Banks you'll learn why not to use traditional approaches to gathering deposits, how to avoid competing on price, and the formula for repeatedly landing million-dollar checking accounts.

Register for the Master Class here.

In Partnership With The University of Northern Colorado

The Social Research Lab at the University of Northern Colorado is conducting this Study.

They are assisting with interview questions, study design, and guarantee complete anonymity for participants.

Need help with your research project?

The Social Research Lab handles a variety of data collection and analysis projects to meet your specific needs. Client projects include everything from surveys to focus groups and they customize reports to help you decide what to do with your data. Call 970-351-3385 or email for a free consultation. Give access code CRRS2018 and receive 10% off of any services they provide.

Continuing Resources

Linda Keith CPA Inc is committed to helping your lenders say 'yes' to good loans. One of our most popular, complimentary services is the 'Ask Linda' emails. Several times each month Linda answers a question on k-1s, pass-through entities, global cashflow, the impact on the new tax law on lending, and other actual questions from lenders.

Try it out yourself and suggest it to your team.