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Commercial Lending Over the Business Cycle
- Definition of business cycle and its four phases
- Understanding how borrowers’ credit needs change over four phases of business cycle
- Identifying industries most vulnerable to recession and those industries less susceptible to recession
- Key risk indicators (KRI’s) to identify businesses and industries most vulnerable during pandemic—social distancing, % work force able to work from home, essential/non-essential, eviction risk, industry supply chain-JIT inventory risk, etc.
- Portfolio and credit management techniques and lending options over the business cycle
Overview of the webinar
As borrowers and lenders work through the business cycle, borrowers’ credit needs change, especially during the pandemic, and lenders must be ready to recognize the changes and accommodate their clients’ requirements.
Who should attend?
- Credit Analysts
- Credit Managers
- Loan review officers
- Work-out officers
- Commercial lenders
- Credit Risk Managers
- Chief Credit Officers
- Senior Lenders
- Senior Lending Officer
- Bank Director
- Chief Executive Officer
- President
- Board Chairman
Why should you attend?
Business cycles are inevitable, and bankers must understand borrowers’ funding needs through a cycle’s four phases—early expansion, late expansion, early contraction, and late contraction—as well as how to identify and evaluate clients’ relative vulnerability to recession. Particularly vulnerable are industries impacted by social distancing.
Faculty - Mr.Dev Strischek
A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Martin J. "Dev" Strischek is principal of Devon Risk Advisory Group based near Atlanta, Georgia. Dev advises, trains, and develops for financial organizations risk management solutions and recommendations on a range of issues and topics, e.g., credit risk management, credit culture, credit policy, credit and lending training, etc. Dev is also a member of the Financial Accounting Standards Board’s (FASB’s) Private Company Council (PCC). PCC’s purpose is to evaluate and recommend to FASB revisions to current and proposed generally accepted accounting principles (GAAP) that are more appropriate for privately held firms. He also serves as the PCC’s representative to FASB’s Credit Losses Transition Resource Group supporting the new current expected credit loss (CECL) standard. Dev is the former SVP and senior credit policy officer at SunTrust Bank, Atlanta. He was responsible for developing, implementing, and administering credit policies for SunTrust’s wholesale lines of business--commercial, commercial real estate, corporate investment banking, capital markets, business banking and private wealth management.