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Risk Management Workshop
The Federal Reserve Bank of Dallas
offers a workshop on risk management for new directors of
banks or bank holding companies. The program also can be used
as a refresher course for experienced directors. The goal
of the workshop is to help directors better understand and
monitor risk management. Presented in the context of a hypothetical
board meeting, the workshop includes hands-on exercises to
apply the concepts learned. The workshop is presented by senior-level
examiners commissioned by the Federal Reserve System. Each
has significant experience in field examinations, training
and other supervisory responsibilities.
The workshop consists of three sessions,
covering various topics:
Session 1—Bank Performance
- Balance sheet components and the portfolio risks they
present.
- Use of ratio analysis to judge a bank's earnings performance,
asset quality and capital position.
Session 2—Credit Risk
- Banking practices that often lead to poor lending decisions.
- A checklist to help directors evaluate loan proposals.
- Regulation O and Section 23A of the Federal Reserve Act,
which address restrictions on lending to bank insiders and
affiliates.
- Regulation B, focusing primarily on spousal signature
requirements on loan documents.
- Elements of a loan policy, with emphasis on the loan policy
as a tool for controlling credit risk.
- Federal banking agency guidelines on real estate appraisals
and the allowance for loan and lease losses.
Session 3—Liquidity and Market Risks
- Sources of bank liquidity and ratios used to judge a bank's
liquidity position.
- Tools used to evaluate market risk and a bank's income
and equity exposure to changes in interest rates.
- Elements of the investment policy and its role in management
of liquidity and market risks.
Class Size
A range of 5 to 15 participants
is recommended. You may invite directors from more than one
institution to achieve minimum class size. For larger groups,
more than one workshop can be provided.
Workshop Length
The workshop lasts about
six hours. However, the sessions are designed to stand
alone, making it possible to present one or two sessions
when time is limited or in conjunction with a regular
board meeting. Each session takes about two hours to
complete.
Location
The workshop can be conducted at
your bank, at another site of your choice or at the Federal
Reserve Bank of Dallas. You can host your bank's regular board
of directors meeting at the Reserve Bank in conjunction with
the workshop. If you come to the Reserve Bank, we can also
arrange a tour of the facility, a presentation by an economist
and lunch for participants.
Cost
The workshop is provided at no charge.
Information and Registration
- Phone: 800-333-4460
- Earl
Anderson (ext. 6152)
- Bob
Coberly (ext. 6209)
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