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With the dramatic rise in unemployment, community banks must assess credit risks carefully to make informed underwriting decisions to avoid financial losses. Furthermore, if your examiner detects compliance weaknesses or failures, it has a broad range of corrective tools – from informal comments to formal enforcement action – so your institution has strong incentives to stay in compliance.
Credit Managers’ Risk Mitigation was designed to help you protect your bank from the adverse impact of downward economic cycles while helping to preserve profits earned during upward cycles.
The manual includes the following key sections:
From credit planning to appraisals to documentation, this manual guides you through the credit process with clear guidelines you can use for your operation. The principles, practices, and techniques discussed in this manual are based on tried and true methods institutions have used in modern times to protect against losses while meeting regulatory and accounting requirements.
Upon your payment for Credit Managers’ Risk Mitigation, you will receive the companion CD, which contains the entire contents of the book, in a searchable, portable PDF format, as well as supplemental regulatory issuances, checklists, and worksheets.
Gary M. Deutsch is the founder and president of BRT Publications LLC. BRT develops research, education and training materials to help industry professionals effectively manage risks while complying with laws and regulations. Gary 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. Gary 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. Gary 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. See all works by Mr. Deutsch