Best Practices for a Credit-Driven Financial Institution

This white paper outlines best practices for building a foundation of credit skill and knowledge among all employees and discusses how creating a strong risk management culture will protect the financial safety of the institution.

A copy of "Whose Job is Credit Risk? Ensuring Institutional Financial Security" will be sent to you.
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Learn How Each Group Can Help Build a Strong Credit Risk Culture

Anecdotes from the White Paper

A financial institution followed a practice of absorbing loan charge-offs centrally while basing bonuses on profit at the individual group level. After some deliberation, this practice was changed so that each group was required to absorb its own loan losses on its respective P&L.

Take the example of a large bank lacking an institutionally uniform understanding of cash flow—while actively engaged in lending to different markets. Some units relied heavily on EBITDA concepts; others favored a UCA cash flow approach; and others still used net profit plus depreciation.

Building a Strong Risk Management Culture Protects Financial Safety

Find out how you can help build this culture...

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About Omega Performance

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Bank Training Excellence Since 1976.


Omega Performance, founded in 1976, equips banks and lending organizations across the globe with training skills to source and structure high-quality, profitable loans to help grow a profitable, low-risk, high-value loan portfolio. Our credit and conversation skills training curriculum helps you compete and differentiate your business in a crowded marketplace. Through Omega Performance training, your employees will better understand your customers, be able to apply that knowledge effectively, and consistently differentiate your bank in order to win more profitable business.