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:

• Managing Credit Risk
• Credit Risk Management Techniques
• Managing Consumer Credits
• Managing Commercial Credits

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.

BONUS CD TOOL-KIT

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.

About Gary M. Deutsch

Gary M. Deutsch has worked extensively in management positions with both regional financial institutions and community banks in audit, lending, financial, and operational areas. He served as a KPMG financial institutions consulting practice leader in the Mid-Atlantic region delivering strategic planning, profit improvement, financial management, and merger- and acquisition services. Mr. Deutsch is the founder and president of BRT Publications LLC, a professional education and training company serving the financial industry for over ten years. In this capacity he has written numerous publications for Sheshunoff and A.S. Pratt on topics such as risk management, credit management, asset and liability management, and accounting and internal auditing. He also conducts audio conferences and webinars on current issues related to these topics. 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. See all works by Mr. Deutsch

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