How to Make Commercial Loans through the Business Cycle and Prepare for Recession and the Pandemic 2021 | Western Bankers Association | 28 October 2021 | Webinar

As borrowers and lenders work through the business cycle, borrowers’ credit needs change, so lenders must be ready to recognize the changes and accommodate their clients’ requirements and credit approvers must be prepared to evaluate and adjudicate the impact of these changes on underwriting, approval, and credit risk management. Business cycles are inevitable, and bankers must understand borrowers’ funding needs through a cycle’s four phases—early expansion, late expansion, early contraction, and late contraction—as well as how to identify and evaluate clients’ relative vulnerability to recession and pandemic.

Who Should Attend:
• Credit & Lending Professionals
• Commercial Loan Specialists

Learning Objectives:
• Defining the business cycle and its four phases
• Understanding how borrowers’ credit needs change over four phases of business cycle
• Identifying industries most vulnerable to recession and pandemic and those industries less susceptible to recession and pandemic
• Learning how to employ key risk indicators such as social distancing, percentage of labor force able to work from home, essential/non-essential businesses, risk of eviction, supply chain risk, etc. to measure pandemic risk to borrowers and industries
• Offering portfolio and credit management techniques and lending options over the business cycle
• Reviewing recession checklist to diagnose and improve commercial loan portfolio management

2021 Speaker

Dev Strischek
Principal, Devon Risk Advisory Group