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Best Practices for the Modern Banker.

This White Paper explains how a strong credit risk culture will support sustainable growth and differentiate your bank in a highly competitive marketplace.

A copy of the "Building a Strong Credit Culture" white paper will be sent to you.
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Topics Covered In The White Paper

Four key elements that develop a strong credit culture.

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Leadership
 

Examples illustrate the effect of senior management's actions on the organizations' credit culture.

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Organizational Structure
 

The way that management organizes the various lending-related roles in the enterprise has a direct impact on its credit culture.

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Policies, Procedures,
and Processes

Balancing centralized risk management with empowerment of line lenders by engraining clear expectations in terms of their policies and processes.

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People
 

The daily, route application of skills and judgment by individuals is tantamount for sustaining excellence in managing credit risk.

Quotes From The White Paper

No loan is to be granted without applying human judgment. This value keeps people in control of credit risk, and the investment in training sustains their control.

Institutions that lack a strong credit culture often end up making most credit decisions at or near the top of the organization. When vision and values are not effectively translated into practice by all levels in the organization, the staff tends to lack confidence in credit judgment and risk management.

Institutions with the strongest credit cultures recognize the importance of early immersion of new hires. For these organizations, training includes both skill-based content as well as orientation to the expected practices and informal routines of the credit culture.

Modern Banking Requires a Modern Approach

Find out why credit culture matters...

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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 the credit skills to source and structure high-quality, profitable loans to help grow a profitable, low-risk, high-value loan portfolio. Our proven-successful, credit and credit sales skills training curriculum augments your organization's value proposition, helping you compete and differentiate your business in a crowded marketplace where lending organizations should be evaluated based on sound lending practices, credibility, and ability to deliver customer-centric loan solutions.