Credit Risk Discipline Tools - Implementing 14 Tools for Credit Risk Management

Gina J. Lowdermilk

Starting at

$349


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This webinar will help you to build, implement, and maintain strong credit culture. This course offers 14 tools to test and check the strength of the organization’s credit risk management and techniques for remediating and improving credit culture and credit risk management.

Why Should You Attend:

Both bank regulators and the market expects and demands excellence in credit risk management. These 14 tools offer an expedient way to test the quality of credit risk management but also serve as techniques for remediating and improving credit culture and credit risk management.

Learning Objectives:

  • Learn elements of a strong credit culture
  • Explain linkage between credit culture and credit risk management
  • Describe the 14 credit discipline tools essential to a strong credit risk management and its culture

Areas Covered in the Webinar:

  • 4 types of credit cultures and optimal credit culture
  • Elements of credit risk management
  • Regulatory expectations for credit culture and credit risk management
  • Role of credit discipline tools in building and maintaining credit culture and credit risk management
    • Written credit policy
    • Risk-driven credit analysis
    • Uniform credit packages
    • Experienced underwriting
    • Informed decision-making
    • Proper loan approval—minimal credit policy exceptions
    • Valid, granular risk rating system
    • Reliable closing and booking—minimal loan documentation exceptions
    • Loan performance monitoring and reporting
    • Independent loan review and audit functions
    • Adequate loan loss reserve
    • Professional problem asset management
    • Credit lending and training

Who Will Benefit:

  • Senior Lenders
  • Chief credit officers
  • Chief executive officers
  • Bank presidents
  • Bank directors
  • Credit risk managers
  • Credit approval officers
Webinar Events
Live -Coming soon!

Training CD-DVD

Physical CD-DVD of recorded session will be despatched after 72 hrs on completion of payment


Recorded video

Recorded video session



Speaker: Gina J. Lowdermilk, BSA/Compliance Auditor and Consultant

Dr. Gina J. Lowdermilk,PhD (ABD), CAMS, CRMS is a highly experienced and educated BSA/AML and Financial Regulatory Compliance professional with extensive policy and procedure development and implementation, training, internal audit, monitoring, risk management, and reporting experience. Her emphasis has been working with financial institutions that are experiencing regulatory concerns and resolutions, including enforcement actions such as memorandums of understanding and cease and desist orders. Her 15 years of experience has given her the opportunity to work from small community banks to large, international financial institutions. Her roles not only included BSA/AML and Compliance, but also operations, lending services, business development, marketing, management, department development, and asset quality.

Ms. Lowdermilk has worked with all of the financial regulators and examiners. She possesses advanced Microsoft Excel, PowerPoint, Word, Internet Explorer, Visio, and Access skills. She also has experience with FiServ, BAM, CRA Wiz, TeamMate, COGNOS, and Metavante banking software. She has been responsible for creating both recurring and ad hoc executive management and board presentations. In addition to her above experience, she is also an adjunct instructor for the business and construction management programs at a local college, as well as writes numerous BSA/AML and Compliance articles, training materials, and manuals as requested from numerous clients.


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