Event Calendar

Thursday, October 12, 2023

Webinar - Stress Testing Your Loan Portfolio

Start Date: 10/12/2023 9:00 AM MDT
End Date: 10/12/2023 10:30 AM MDT

United States 

Stress testing gained traction after the Great Recession. Its purpose is to help risk managers better understand how a loan portfolio could react under varying degrees of stress and appropriately adjust an institution’s risk appetite. Much of the loan portfolio-based stress testing is focused on CRE loans. This webinar will cover owner- and non-owner-occupied CRE, as well as agricultural, C&I, and consumer loan portfolios.
Each portfolio can be impacted by different types of stresses, which can be analyzed using appropriate stress testing scenarios. Once results of the analyses are determined, the next step is understanding how to use the data to appropriately adjust your underwriting and management of higher risk portfolios to lessen the impact on your organization when the next economic downturn occurs.
You’ll learn how to apply the data to analyze the entire spectrum of risk in your loan portfolio, from individual borrowers to entire segments, and even your loan portfolio as a whole, to help you understand the impact on capital as part of your overall capital adequacy testing and capital planning process. Many of these concepts can be adapted to other parts of your organization. Finally, regulatory expectations based on recent guidance and exams will be covered.


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