19 August 2008

Credit

Use Case Studies to Build Credit Analysis Skills

Experienced risk managers and commercial lenders need advanced analytical skills and knowledge to effectively evaluate complex commercial lending opportunities.

Advanced analytical techniques:

• Speed analysis,
  
• Improve accuracy, and
  
• Minimize portfolio risk, enabling commercial lenders to recommend loan structures appropriate to the conditions.
  

Case studies are an ideal way to build lenders' advanced credit analysis and management skills. Each case study should focus on a unique set of commercial risk management issues and challenge lenders to perform an intensive financial analysis to identify and mitigate the business and financial risks to both the prospective borrower and your institution. The information gathered is then used to structure appropriate credit solutions.

As a result of working through the case studies, lenders gain the skills to make better commercial credit decisions, thus reducing the risk of non-performing loans that could erode your institution's credit quality and profitability.

Learn more about improving credit performance ...

Sales & Service

Observe the Customer Experience

Observing an entire conversation with a real customer will help you provide specific coaching to your employees about what they are doing well and how they can improve their skills and knowledge. These situations can even be used to impress the customer.

When you tell customers about your practice of observing conversations in order to provide the best service possible, it demonstrates two very important things:

• That you're committed to excellence, and
  
• That you're highly professional and focused on the customer.
  

That is what highly service-oriented retail and service establishments like Nordstrom, Saks, the Ritz-Carlton and others do. They proudly tell customers about the role of the coach in monitoring the quality of customer service.

Learn more about improving sales and service performance ...

Leadership

Be Resilient in the Face of Change

Change is inevitable. By developing resiliency, you can take charge of your bank's next change initiative and successfully navigate through the process.

Cultivate your change resilience by: '

• Understanding the state of your own change readiness as well as that of individual team members and the team as a whole.
  
• Maintaining a positive attitude throughout the process.
  
• Focusing on achieving the goals and objectives intended by the change initiative.
  
• Remaining flexible, organized, and proactive when leading people through change.
  
• Recognizing and rewarding employees for embracing the change.
  

Learn more about improving leadership performance ...

IFRS Opinion Survey

Take a few moments to complete our survey and tell us how the convergence of GAAP (Generally Accepted Accounting Principles) and IFRS (International Financial Reporting Standards) is affecting you and your business.

Take the Survey

Web Events You Won't Want to Miss

International Financial Reporting Standards
Learn why IFRS is a game changer for commercial lending in the U.S.

August 28, 2008
12:00 PM - 1:00 PM Eastern Time (U.S. & Canada)
More information and to register

What Kind of Executive Coach Are You?
Learn how using coach-the-coach techniques can help you drive business results.

September 9, 2008
10:00 AM - 11:00 AM Eastern Time (U.S. & Canada)
3:00 PM - 4:00 PM British Standard Time (U.K.)
More information and to register

Sustaining Learning Beyond the Training Event
Ensure new behaviors gained in training yield greater business results for your organization.

September 17, 2008
12:00 PM - 1:00 PM Eastern Time (U.S. & Canada)
More information and to register

U.S. Public Seminar

Understanding Corporate Finance
A one-day, highly interactive seminar where you will learn how to effectively assess risk and build profitable client relationships -- the key to long-term success in today's sophisticated commercial banking environment.

November 6, 2008
Chicago, Illinois

November 13, 2008
Cleveland, Ohio

More information and to register

New Articles

"When You Are Up to your Waist in Alligators it is Hard to Remember You Started Out to Drain the Swamp" or, "Remember When Real Estate Loans Made Us Lots of Money?"

It is no secret that the commercial real estate market is following the same negative trends we have seen in the residential real estate markets over the past year. It is also no secret that many financial institutions have long held to the premise that: "If you lend on dirt, you can't get hurt." We are now seeing that this long-held premise has all of the validity of an old wives tale. Download the complete article, authored by Dr. Jerry Crigger, Omega Performance's vice president and senior consultant: credit and risk.

Download Now

Knowledge Currency

Published in Mortgage & Finance Brief (Aug./Sept. 2008 issue)

Online learning offers many advantages for time-poor brokers and programs can be individually customized to suit specific education needs. Get your complimentary copy of this article, authored by Howard Cook, Omega Performance's new business and alliances manager, Australia, now.

Download Now

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