compliance and ensuring timely annual and independent review strategies should be prioritized to give adequate attention to these heightened suspects. • Quality Loan Review: A bank’s credit team must always see loan review as a risk assessment partner. Under greater stress, the scope of the review must be expanded and performed by reviewers with real credit experience. • Portfolio Analysis: Banks should mine their non-public loan data vigorously to detect emerging trouble spots early. Waiting for public call report data to determine the bank’s credit risk profile will prove even more costly in a credit downturn. There is no clear direction on short- to interim-term credit quality trends, but the bank’s vigilance toward any future credit risk degradation is essential. David Ruffin’s extensive experience in the financial industry includes an emphasis on credit risk in a variety of roles that range from bank lender and senior credit officer to the co-founder of IntelliCredit and its technology that is revolutionizing a decadesold loan review process. David was also a co-founder of the successful Credit Risk Management LLC consultancy and a professor at several banking schools. A prolific publisher of credit-focused articles, he is a frequent speaker at national and state trade association forums, where he shares insights gained by helping lending institutions evaluate credit risk — in both its transactional form as well as the risk associated with portfolios based on a more emergent macro strategy. Over the course of decades, David has led teams providing thousands of loan reviews and performed hundreds of due diligence engagements focused on M&A and capital raising. 800.228.2581 MHM.INC Now more than ever people want self-service options. With our core integrated ITMs we can make this a reality both in the lobby and in the drive-up of your branch. SELF-SERVICE BANKING NEBRASKA INDEPENDENT BANKER 19
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