Capital management is more than meeting the guidelines for being well capitalized. Determining your institution’s risk plays a central role in determining what “adequate” capital means. Take advantage of this important learning opportunity for directors and senior management.
AFTER THIS WEBINAR YOU’LL BE ABLE TO:
- Identify the risks boards are expected to manage (e.g., credit risk, interest rate risk, liquidity risk, operational risk, compliance risk, strategic risk, and reputation risk)
- Discuss how these risks often overlap and need to be considered together and not in individual silos of risk
- Observe the interplay between strategic planning and capital planning
- Discern what your organization’s level of capital adequacy should be based on its level of risk
- Meet the regulatory agencies’ expectations for appropriate board management of capital and risk
- Understand the elements of capital planning, including stress testing your balance sheet to ensure adequate capital under moderate- and high-stress periods
All too often financial institutions believe that simply meeting regulatory guidelines for “well capitalized” is all there is to capital management. However, the level of adequate capital should reflect the level of risk for your organization.
This webinar will address:
- The basic regulatory definitions of capital adequacy
- The types of risk the board should measure, monitor, and control
- Risk interaction and how strategic planning, stress testing, and capital planning need to be aligned
- Regulators’ expectations that the board should properly manage risk and provide adequate capital to ensure your organization is safe and sound
- Considerations for determining the level of adequate capital based on your organization’s risk profile
WHO SHOULD ATTEND?
This informative session is designed for directors and senior managers responsible for managing the organization’s risk and capital adequacy, including CEOs, CFOs, chief risk officers, chief credit officers, and others who manage risk.
- Risk analysis toolkit to assist in measuring the degree, weight, and direction of risk in an organization
- Outline of a basic capital plan
- Employee training log
- Interactive quiz
SPEAKER: Bob Viering, Young & Associates, Inc.
Bob Viering is a Senior Consultant and Manager of Lending Services at Young & Associates, Inc. He brings over 30 years of banking experience and now concentrates primarily on loan review and credit-related support for clients. Prior to joining Young & Associates, Bob was a de novo bank organizer, CEO, market president, and regional credit officer with large and regional financial institutions. He has extensive experience in credit underwriting and lending management, including commercial, agricultural, and consumer loans. In addition, he has provided expert witness reports on lending issues for state and federal courts.
Bob was an interim chief lending officer for a troubled bank that successfully recovered. He has served as an advisor for de novo bank formation and bank mergers and acquisitions, including merger integration, credit process improvement, ALLL management, and management of formal and informal regulatory agreements. Bob is a graduate of the University of Illinois, the National Commercial Lending School, and the American Management Association’s Executive Effectiveness program.