43 episodes

Interviews with senior credit and lending professionals at financial institutions across the United States, their regulators and banking advisors about how to assess and mitigate credit risk in challenging times.

Credit Risk Ready Linda Keith

    • Business

Interviews with senior credit and lending professionals at financial institutions across the United States, their regulators and banking advisors about how to assess and mitigate credit risk in challenging times.

    Risk Appetite: The Battle between Lending & Credit (and how both can win) | Ancin Cooley

    Risk Appetite: The Battle between Lending & Credit (and how both can win) | Ancin Cooley

    Lending and Credit have a different outlook on risk. Sometimes it seems like a battle. And yet, both groups need a volume of performing loans to carry the day.
    Today we'll look at how risk appetite, usually a purview of the Board of Directors and Management, impacts the loan originators as well. And how they can work together to help each other get everyone to the finish line.
     
    Resources:
    Synergy Credit Union Consulting: https://syncuc.com
    Synergy Bank Consulting: https://synbc.com
    YouTube: https://www.youtube.com/channel/UC_dkqDh0BVb2aWXZi7DQ0xQ
    Linkedin: www.linkedin.com/in/ancincooley
    Interagency Credit Risk Review Guidance:
    https://www.federalregister.gov/documents/2020/06/01/2020-10292/interagency-guidance-on-credit-risk-review-systems
     
    About Ancin Cooley:
    Ancin Cooley is certified and certifiable. He is a CIA (Certified Internal Auditor), CISA (Certified Information Systems Auditor) and is the founder and principal of Synergy Credit Union Consulting, Inc., and Synergy Bank Consulting, Inc. Synergy provides a suite of risk management services to financial institutions, which include loan reviews, information technology audits, internal audits, directors' exams, and regulatory compliance reviews.
    He comes by that knowledge from a wealth of experience. Prior to founding the firm, he worked as an OCC examiner working with banks from $100 million to $8 billion dollars in total assets. And he worked for a regional accounting with a focus on internal audits, loan and pre-regulatory examiner reviews.
     
    Find out more about Linda Keith at:
    www.LindaKeithCPA.com
    www.LendersOnlineTraining.com
    LinkedIn: https://www.linkedin.com/in/lindakeith/

    • 31 min
    Credit Risk Review in (and Out of) a Pandemic Recession | Ancin Cooley

    Credit Risk Review in (and Out of) a Pandemic Recession | Ancin Cooley

    Loan review is always an important risk management function. Some would say it becomes more important in turbulent times. I would say that good loan review practices even when we are on easy street, set the stage for successfully weathering the turbulence. Today we will focus on the loan review function, and how the pandemic might, or might not, impact it.
    Resources:
    Synergy Credit Union Consulting: https://syncuc.com
    Synergy Bank Consulting: https://synbc.com
    YouTube: https://www.youtube.com/channel/UC_dkqDh0BVb2aWXZi7DQ0xQ
    Linkedin: www.linkedin.com/in/ancincooley
    Interagency Credit Risk Review Guidance:
    https://www.federalregister.gov/documents/2020/06/01/2020-10292/interagency-guidance-on-credit-risk-review-systems
     
    About Ancin Cooley:
    Ancin Cooley is certified and certifiable. He is a CIA (Certified Internal Auditor), CISA (Certified Information Systems Auditor) and is the founder and principal of Synergy Credit Union Consulting, Inc., and Synergy Bank Consulting, Inc. Synergy provides a suite of risk management services to financial institutions, which include loan reviews, information technology audits, internal audits, directors' exams, and regulatory compliance reviews.
    He comes by that knowledge from a wealth of experience. Prior to founding the firm, he worked as an OCC examiner working with banks from $100 million to $8 billion dollars in total assets. And he worked for a regional accounting with a focus on internal audits, loan and pre-regulatory examiner reviews.
     
    Find out more about Linda Keith at:
    www.LindaKeithCPA.com
    www.LendersOnlineTraining.com
    LinkedIn: https://www.linkedin.com/in/lindakeith/

    • 32 min
    #41: Prudent Pandemic Loan Concessions: How Will the Regulators See It? How Can We Prepare? | Ancin Cooley

    #41: Prudent Pandemic Loan Concessions: How Will the Regulators See It? How Can We Prepare? | Ancin Cooley

    How are the regulators approaching examinations with 2020 in the rear-view mirror? Is it the same or different than past examinations? And how will it change as we start into a recovery? We cover why you need to:
    Create criteria for pandemic-related modifications and show they are followed
    Document current conditions and the basis for deciding the problem is short-term
    Show the regulators how the sausage is made in loan decision-making
     
    Resources:
    Synergy Credit Union Consulting: https://syncuc.com
    Synergy Bank Consulting: https://synbc.com
    YouTube: https://www.youtube.com/channel/UC_dkqDh0BVb2aWXZi7DQ0xQ
    Linkedin: www.linkedin.com/in/ancincooley
    Interagency Credit Risk Review Guidance:
    https://www.federalregister.gov/documents/2020/06/01/2020-10292/interagency-guidance-on-credit-risk-review-systems
     
    About Ancin Cooley:
    Ancin Cooley is certified and certifiable. He is a CIA (Certified Internal Auditor), CISA (Certified Information Systems Auditor) and is the founder and principal of Synergy Credit Union Consulting, Inc., and Synergy Bank Consulting, Inc. Synergy provides a suite of risk management services to financial institutions, which include loan reviews, information technology audits, internal audits, directors' exams, and regulatory compliance reviews.
    He comes by that knowledge from a wealth of experience. Prior to founding the firm, he worked as an OCC examiner working with banks from $100 million to $8 billion dollars in total assets. And he worked for a regional accounting with a focus on internal audits, loan and pre-regulatory examiner reviews.
     
    Find out more about Linda Keith at:
    www.LindaKeithCPA.com
    www.LendersOnlineTraining.com
    LinkedIn: https://www.linkedin.com/in/lindakeith/

    • 26 min
    Pushing Out of Your Comfort Zone: How to Master Difficult Conversations in a Virtual Meeting | Allison Shapira

    Pushing Out of Your Comfort Zone: How to Master Difficult Conversations in a Virtual Meeting | Allison Shapira

    You need to:
    reach out to your borrowers, in tough times and in triumph.
    present your ideas to your mentor lender, or the loan committee, in a way that accomplishes your goals and advances your career.
    connect with a prospective borrower and pull them in to your client base.
     
    Many people find those situations challenging and uncomfortable. In this episode, Allison Shapira, will move you into your comfort zone when using the virtual format to have a challenging conversation.
     
    Resources:
    YouTube:
    Allison Shapira
    Book:
    Speak with Impact: How to Command the Room and Influence Others
    Websites:
    www.allisonshapira.com
    www.globalpublicspeaking.com
     
    About Allison Shapira:
    Allison Shapira is a former opera singer turned entrepreneur, keynote speaker, and expert in public speaking.  She is the Founder/CEO of Global Public Speaking LLC, a communication training firm and certified woman-owned small business that helps people speak clearly, concisely, and confidently - both virtually and in person.
    She teaches public speaking at the Harvard Kennedy School and has spent nearly 18 years developing leadership communication programs for Fortune 50 companies, government agencies, and non-profit organizations around the world. 
    She also travels around the world with the nonprofit Vital Voices Global Partnership, teaching leadership communication to help women leaders grow their business, run for office, or launch a nonprofit. 
    Allison is a Certified Virtual Presenter and a Certified Speaking Professional (CSP). She holds a master’s degree in public administration from the Harvard Kennedy School and is an internationally-renowned singer/songwriter who uses music as a way to help others find their voice and their courage to speak.
    Allison is the author of Speak with Impact: How to Command the Room and Influence Others (HarperCollins Leadership) which was a Washington Post best-seller. She has spoken at the Fortune Most Powerful Women Next Gen Summit, the Most Powerful Women in Banking LEAD Conference, and was a finalist for 2017 Woman Business Owner of the Year by the National Association of Women Business Owners, San Diego Chapter. She lives in Washington, DC. 
     
    Find out more about Linda Keith at:
    www.LindaKeithCPA.com
    www.LendersOnlineTraining.com
    LinkedIn: https://www.linkedin.com/in/lindakeith/

    • 22 min
    Sales and Marketing: Strategy Questions to Help (and Assess) Your Business Borrowers | Joel Block

    Sales and Marketing: Strategy Questions to Help (and Assess) Your Business Borrowers | Joel Block

    Success in business is dependent on success in sales and marketing. In this episode we will tackle three key strategies successful businesses employ.
     
    If you lend to businesses or business owners, understanding these keys to success will lead to more helpful relationship-building conversations and an improved ability to assess the likelihood of their continued success.
    Bonus, you can use these ideas in your sales activities, as well.
     
    Resources:
    Winners take the Inside Track. Here's the Intel you need to join them...
    The Business Trend Report for 2021
    Podcast:
    Profit From the Inside: Straight Talk on Business and Profits With Insiders in the Know
     
    About Joel Block:
    Joel’s a futurist and longtime venture capitalist/hedge fund manager (gobbledygook for professional
    investor) who lives in a Shark Tank world like on TV. Since selling his publishing company to a Fortune
    500 company, Joel’s cage-rattling keynotes expose Wall Street insights and the inside track on high-
    velocity innovation, empowering business executives and their teams to “Disrupt Their Competitors’
    Future.”
    Savvy industry leaders come to Joel for the high-impact advisory services that drive our disruption-
    resistant success strategies. His unique approach to innovative business model development helps
    structure, implement, and enable sustained results.
    Joel@BullseyeCap.com
    www.JoelBlock.com
     
    Find out more about Linda Keith at:
    www.LindaKeithCPA.com
    www.LendersOnlineTraining.com
    LinkedIn: https://www.linkedin.com/in/lindakeith/

    • 23 min
    Higher Expectations in Virtual Meetings: Are You Ready? | Allison Shapira

    Higher Expectations in Virtual Meetings: Are You Ready? | Allison Shapira

    As we get 'back to work', expectations for polish and impact in virtual meetings will go up. The casual, lowered expectations during the recession will be replaced by an assumption that you are back in a completely professional mode.
    You need to reach out to your borrowers, in tough times and in triumph.
    You need to present your ideas to your mentor lender, or the loan committee, in a way that accomplishes your goals and advances your career.
    You need to connect with a prospective borrower and pull them in to your client base.
    In this episode, Allison Shapira, will move you back into your most professional comfort zone when using the virtual format to make your point or make your case.
     
    Resources:
    YouTube video:
    Five steps to prepare for virtual meetings and presentations
    Book:
    Speak with Impact: How to Command the Room and Influence Others
    Websites:
    www.allisonshapira.com
    www.globalpublicspeaking.com
     
    About Allison Shapira:
    Allison Shapira is a former opera singer turned entrepreneur, keynote speaker, and expert in public speaking.  She is the Founder/CEO of Global Public Speaking LLC, a communication training firm and certified woman-owned small business that helps people speak clearly, concisely, and confidently - both virtually and in person.
    She teaches public speaking at the Harvard Kennedy School and has spent nearly 18 years developing leadership communication programs for Fortune 50 companies, government agencies, and non-profit organizations around the world. 
    She also travels around the world with the nonprofit Vital Voices Global Partnership, teaching leadership communication to help women leaders grow their business, run for office, or launch a nonprofit. 
    Allison is a Certified Virtual Presenter and a Certified Speaking Professional (CSP). She holds a master’s degree in public administration from the Harvard Kennedy School and is an internationally-renowned singer/songwriter who uses music as a way to help others find their voice and their courage to speak.
    Allison is the author of Speak with Impact: How to Command the Room and Influence Others (HarperCollins Leadership) which was a Washington Post best-seller. She has spoken at the Fortune Most Powerful Women Next Gen Summit, the Most Powerful Women in Banking LEAD Conference, and was a finalist for 2017 Woman Business Owner of the Year by the National Association of Women Business Owners, San Diego Chapter. She lives in Washington, DC. 
     
    Find out more about Linda Keith at:
    www.LindaKeithCPA.com
    www.LendersOnlineTraining.com
    LinkedIn: https://www.linkedin.com/in/lindakeith/

    • 25 min

You Might Also Like