Jeffery Johnson
Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a
Management Trainee and progressed to Vice President and Senior Lender of
SouthTrust Bank and Senior Vice President and Commercial Banking Division
Manager for Citizens Trust Bank of Atlanta.
Most of his career has been spent in Credit Administration, Lending, Business
Development, Loan Review, Management and Training & Development. He has
managed loan portfolios representing a cross section of loan types including:
Large Corporate, High Net Worth Individual, Middle Market Companies, Small
Business, Real Estate and Non-Profit Organizations.
Mr. Johnson is now a training professional in the financial industry by
leading various seminars covering important topics relating to issues in
financial institutions. He teaches actively for fifteen state banking
associations in the United States, Risk Management Association (RMA) and
individual financial institutions nationwide. He co-authored a training course
entitled "Lending to Service and Other Professional Organizations" for RMA in
2001.
Mr. Johnson earned a B.A. Degree in Accounting from Morehouse College in
Atlanta; a MBA in Finance from John Carroll University in University Heights,
Ohio; Banking diploma from Prochnow School of Banking at the University of
Wisconsin and a Graduate Certificate in Bank Management from the Wharton School
of Business at the University of Pennsylvania.
Tuesday, August 3rd, 2010
10:00 am - 12:00 pm
CST
The "A" in the CAMELS rating system utilized by bank
regulators is perhaps one of the most important factors they consider when
examining financial institutions. The “A” represents Asset Quality and it is
scrutinized extensively when banks are examined. Studies continue to indicate
the primary reason why banks failed is due to poor Asset Quality followed
closely by poor policies, procedures and management. Asset Quality is so
important that it forms the basis of capital requirements assigned by regulators
and is viewed by investment community to establish value.
Banks approximates Asset Quality and the potential for complete repayment by
utilizing Risk or Credit Ratings. Credit Ratings are based on the financial
institution’s underwriting standards. If a financial institution's underwriting
standards are weak, then the Credit Ratings will not reflect the risk in the
loan portfolio properly.
Regulators expect community banks to have credit risk management systems that
produce accurate and timely risk ratings. They consider accurate classification
of credit risk among its top supervisory priorities.
This course is designed to establish or improve the risk rating system within
your financial institution.
Covered Topics:
- Underwriting Standards Required to Expose and Establish the proper Credit
Risk Rating
- Key Control Attributes Required for the Grading System to be Effective
- Regulatory Classification of Assets
- Areas of Exposure to Consider When Assigning a Risk Rating
- Latest Developments in Rating Credit Risk
- Establishing a Clear and Measurable Method of Assigning Credit Rating that
is More Objective and Less Subjective
- Utilizing Credit Risk Rating to Establish and Maintain an Adequate Allowance
for Loan and Lease Losses
Who Should Attend?
Senior/Chief Credit Officers, Consumer Loan Officers,
Loan Review Officers, Branch Managers, Commercial Loan Officers, Credit
Analysts, Compliance Officers, Senior Loan Officers