Objectives of the Presentation:
- Review management's concentration assessments
- Evaluate the adequacy of the risk management process to detect concentrations
- Review board and management concentrations oversight related to:
- - Portfolio management
- - Portfolio stress testing and sensitivity analysis
- - Credit risk review function
- - Market analysis
- - Assessment of capital adequacy
- - Adequacy of management information systems
- Evaluate the status of supervisory oversight of concentrations
Why Should you Attend?
Loan concentrations must be properly monitored, managed and supported by adequate capital. When market and economic conditions are improving, concentrations can result in significant profit improvements for institutions. When conditions deteriorate, impairments and losses begin to surface. Market demand results in loan concentrations that management and the board notice after-the-fact. Those concentrations may later be viewed by regulators as risky. Without proper oversight, it may be too late to protect an institution from outsized losses that could result from having loan concentrations.
- Conduct Review of Concentration Risk Assessments
- Evaluate the Adequacy of Risk Assessments to Detect Concentrations
- Evaluate the Adequacy of Board and Management Oversight of Concentrations:
- - Risk Management Techniques
- - Market Monitoring and Analysis
- - Concentration Modeling
- - Loan Portfolio Diversification
- Status of Supervisory Oversight of Concentrations
BRT Publications LLC
Mr. Deutsch is a licensed CPA in Maryland and has a B.A. in accounting and an MBA in finance from Loyola University Maryland. He has also achieved the Certified Management Accountant, Certified Internal Auditor and Certified Bank Auditor designations. Mr. Deutsch is the founder and president of BRT Publications LLC.Mr. Deutsch has trained thousands of financial institution professionals in all aspects of risk management and has written numerous books in the U.S. and Europe on topics such as credit risk, internal audit and compliance with Generally Accepted Accounting Principles.
Mr. Deutsch has extensive risk management and internal audit experience through his association with financial institutions of all sizes as well as through his role leading the KPMG financial institution consulting practice in the Mid-Atlantic region.