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Coffee Talk Q&A: Banker Perspective on Loan-Level Stress Testing
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Friday, April 25 at 10:00 am ET
Featured Speakers:
Larry Poole, Managing Director, IntelliCredit
David Ruffin, Principal, IntelliCredit
LaNell DeLoach,
Director Credit Policy, Governance, and Innovation, Blue Ridge Bank
We're excited to welcome guest panelist LaNell DeLoach of Blue Ridge Bank on our Loan-Level Stress Testing Coffee Talk. LaNell will share the reasons behind her bank's decision to incorporate a more detailed level of stress testing, their experience working with the team at IntelliCredit, and the usefulness and value of the deliverables provided. This will be an interactive session, so bring your questions or email to info@intellicredit.com.
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LOAN DATA COFFEE TALK WITH GUEST BANKER
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Friday, May 9 at 10:00 am ET
Featured Speakers:
Cindy Cheng, SVP & Chief Credit Officer Lending, PCBB
David Littleton, Director, Data Analytics and Product Management, IntelliCredit
Shawn O'Brien, President QwickRate
Wondering if Portfolio Analyzer would be a win for your bank? You won't want to miss this one! We're welcoming Cindy Cheng, SVP & Chief Credit Officer of PCBB to discuss and demonstrate how they are using Portfolio Analyzer to stay on top of their loan data and credit risk—without bogging down their team. With today's uncertainty around credit quality, this Coffee Talk will be a valuable and important discussion. Grab a coffee and join us!
Can't make the date? Schedule a quick tour.
Watch a replay.
CREDIT QUALITY: NAVIGATING 2025 CHALLENGES AND OPPORTUNITIES
Featured Speakers:
David Ruffin, Principal, IntelliCredit
Banks are reporting heightened regulatory scrutiny of loan review processes, with agencies increasingly testing their adequacy and effectiveness. In this webinar, IntelliCredit experts discussed the current credit landscape, focusing on heightened Commercial Real Estate (CRE) concerns and strategies to ensure your bank maximizes its loan review value. You will gain insights on enhancing loan review processes to meet regulatory expectations and navigate the complex credit environment of 2025 and beyond.
2024 BY THE NUMBERS AND WHAT’S AHEAD
Featured Speakers:
Shawn O’Brien, President, QwickRate
David Ruffin, Principal, IntelliCredit
Dan Marks, President, Infusion Marketing Group
Community banks are heading into 2025 with cautious optimism, confronting persistent challenges of margin compression and credit quality, while maintaining a focus on product profitability and operational efficiency. In this webinar, our experts analyze 2024's results, share what we’re hearing for 2025, and highlight areas where there’s cause for concern and action.
Q3 TRENDS & A LOOK AHEAD
Featured Speakers:
Shawn O’Brien, President, QwickRate
David Ruffin, Principal, IntelliCredit
Dan Marks, President, Infusion Marketing Group
It's that time of year when we're focused on 2025 —not to mention the implications of the impending election. Community banks are preparing for growth while continuing to monitor costs, credit and liquidity. On the credit side, irrespective of the Fed's short-term rate cut, banks are beginning to deal with fallout from loan repricing, which inevitably degrades debt service coverage. At the same time, regulatory scrutiny is intensifying, and stress testing for all banks is becoming a universal expectation. Join our experts as they review Q3 performance using our QwickAnalytics Index of 'true' community banks, and take a look ahead to the challenges and opportunities that 2025 may present.
LOAN DATA COFFEE TALK
Featured Speakers:
Shawn O’Brien, President, QwickRate
David Littleton, Director, Data Analytics and Product Management, IntelliCredit
With regulatory expectations increasing, banks are looking for an easier and better way to access, analyze and create reporting from their loan data. In this Coffee Talk, we share tips and showcase examples of how banks are creating analyses and reports to gain and share deeper insights of their portfolio's subsets and concentrations — so they can explain and defend their bank's position to regulators. Contact us with any questions!
COFFEE TALK: LOAN-LEVEL STRESS TESTING HANDLED BY INTELLICREDIT
Featured Speakers:
David Ruffin, Principal, IntelliCredit
Larry Poole, Managing Director, IntelliCredit
Stress testing is no longer optional, with regulators increasingly emphasizing its importance during examinations, particularly for loan-level stress tests. We’re committed to making this an easy process for your bank by performing your loan-level stress test for you. With an approach that is practical, bank-specific and relevant to the current banking environment, we combine our credit expertise and technology to provide a more accurate assessment of credit risk and current losses within your portfolio. In this Coffee Talk, we have a discussion about loan-level stress testing including IntelliCredit’s methodology and process. Let us know if you need more information or how we can support your bank.
Better Risk Management: Tie Stress Testing to Loan Review
Featured Speaker:
David Ruffin, Principal, IntelliCredit
Your loan review is the most real-time, effective assessment of your loan portfolio. So why aren't banks leveraging it in combination with stress testing? In this webinar, we explored the emerging approach that integrates loan review and stress testing into a synergistic process. By combining these tools, banks can enhance their risk management strategies through real-time evaluations of Loan-to-Value (LTV) ratios, Debt Service Coverage and more. We outline the steps banks can take to effectively merge these processes, resulting in a more efficient and comprehensive risk management framework.
IS YOUR CURRENT LOAN REVIEW STRATEGY GOOD ENOUGH?
Featured Speakers:
David Ruffin, Principal, IntelliCredit
Steve Huntington, Director of QwickAnalytics Design & Development, QwickRate
Shawn O’Brien, President, QwickRate
Loan reviews have always been crucial for managing credit risk, but with heightened regulatory scrutiny, particularly over CRE exposures, and emerging quantifiable credit stress, now is the time to reassess the quality and role of your loan review as a key component of your risk management strategy. Is it adequately identifying emerging credit hotspots? Is it being conducted by seasoned credit experts, rather than just junior CPAs? In this webinar, we discuss current credit trends, highlight areas of concern from recent loan reviews, and share best practices for banks to ensure their loan review is as effective as possible in today's changing credit environment.
STRESS TESTING: BE PROACTIVE & EXAMINER-READY
Featured Speakers:
David Ruffin, Principal, IntelliCredit
Steve Huntington, Director of QwickAnalytics Design & Development, QwickRate
Shawn O’Brien, President, QwickRate
With past due loans on the rise, don't wait for a regulator to ask if you've performed a credit stress test. Document — NOW — that you know what your capital buffer is. In this webinar recording, we demonstrate how QwickAnalytics and IntelliCredit can assist your bank in staying a step ahead by discussing stress testing options available to banks.
LOAN DATA COFFEE TALK Q&A (JULY 2024)
Featured Speakers:
Shawn O’Brien, President, QwickRate
David Littleton, Director, Data Analytics and Product Management, IntelliCredit
Headlines don’t tell the whole story. With increased regulatory scrutiny ahead, it’s important to peel back the layers of your loan data and proactively present your credit story to regulators. This Loan Data Coffee Talk showcases more client examples, using both standard and custom analyses and reports, to highlight the types of insights that can help you identify and act on weaknesses early, mitigating risk. Remember, our Portfolio Analysis tool provides easy access to your loan data, with immediate insights and reports. We’re offering a 6-month free trial so you can see the benefits for yourself.
LOAN DATA COFFEE TALK Q&A (May 2024)
Featured Speakers:
Shawn O’Brien, President, QwickRate
David Littleton, Director, Data Analytics and Product Management, IntelliCredit
In this Coffee Talk, we dive deeper into how clients are using IntelliCredit to respond to questions from regulators, their Board and management. With easy access to their loan data (something that is virtually impossible with their core system), our experts share how clients are gaining a better understanding of the subsets and concentrations in their portfolios, and arming their team to proactively explain and defend their bank’s position. Actual client scenarios presented. In addition, we discuss what you can expect when you take advantage of our 6-month fee trial including how our team will assist your bank in the process.
HOW TECHNOLOGY IS SIMPLIFYING INTERNAL LOAN REVIEWS AND CREDIT ANALYSIS: A BANKER'S PERSPECTIVE
Featured Speakers:
Shawn O’Brien, President, QwickRate
David Littleton, Director, Data Analytics and Product Management
Mitch Moss, SVP, Credit Analyst, Outdoor Bank
Loan Reviews are an important component of managing credit risk right now — and technology can be a game-changer in simplifying the process. In this replay, you’ll see specific examples of the value that technology can bring to the table for internal loan reviews and credit analysis. Our panelists include Mitch Moss, SVP, Credit Analyst of Outdoor Bank, and IntelliCredit's David Ruffin, Principal, and David Littleton, Director, Data Analytics and Product Management.
TODAY’S LOAN REVIEW FOR TODAY’S CREDIT RISK
Featured Speakers:
David Ruffin, Principal, IntelliCredit
David Littleton, Director, Data Analytics and Product Management
Loan review is a vital part of early detection—and can lead to fewer credit losses. Market and external conditions are rapidly changing the credit risk environment. Due to the unrest, examiners are placing even more emphasis on credit risk, plus the safety and soundness of lending programs. Loan reviews play a big role in managing credit risk—and they involve far more than just checking a box. Loan reviews can be a huge asset, helping you proactively identify potential credit weaknesses, gain a clear understanding of subsegments in your portfolio, and detect any vulnerabilities that may exist. In this webinar, we discuss new trends in loan reviews that help ensure the most thorough and efficient loan reviews possible.
WHAT IS YOUR LOAN DATA TELLING YOU (AND REGULATORS)?
Featured Speakers:
Shawn O’Brien, President, QwickRate
David Littleton, Director, Data Analytics and Product Management
Zane Smith, EVP, Chief Credit Officer & Chief Risk Officer, American Bank
Understanding your loan data — and what it’s telling you — is the best way to stay ahead of the curve. And with the uncertainty around credit quality, this intelligence is critical in arming your bank to write your own credit script BEFORE outside stakeholders do it for you. The problem is that most banks don’t have easy access to their loan data or the time (or tools) to analyze it. In this webinar, Zane Smith, EVP, Chief Credit Officer & Chief Risk Officer of American Bank joins us to show you how his bank uses our Portfolio Analyzer tool to gain quick access to insightful analysis of his bank’s credit portfolio, enabling them to identify hotspots/emerging credit risk, drill down to loan-level details, and benefit from standard and custom queries/reporting.
LOAN REVIEW: BEST PRACTICE TRENDS
Featured Speakers:
David Ruffin, Principal, IntelliCredit
Larry Poole, Director, IntelliCredit
Don’t be lulled into complacency. Regardless of what the numbers may show, regulators sense that uncertainty is looming in loan portfolios post COVID. To detect and minimize potential credit risk ahead, NOW is the time to consider best practices and industry trends that can help you conduct the most thorough and efficient loan reviews possible. Watch the recording of this webinar to see what’s needed to ensure highly productive and effective loan reviews.
LOAN REVIEW TOOL: HOW TO REDUCE EFFORT, TIME, INTRUSIONS
Featured Speaker:
David Ruffin, Principal, IntelliCredit
Loan reviews don’t have to be like going to the dentist — with you dreading those endless intrusions that keep you from doing your day job. Finally, there’s technology available to bring you out of the old, manual approach and into an online, real-time loan review process that generates major efficiencies and time savings. (And without diminishing the quality of your review.) Attend this webinar to see how your staff can benefit — from eliminating endless meetings, using real-time exception monitoring and clearing, reducing intrusions, catching up on COVID-delayed reviews — and save huge amounts of time and effort.
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