Credit Policies - Writing, Implementing and Maintaining

Learn what should be in a credit policy and how to write it to be easy to understand and easy to follow and meet the regulatory expectations

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26 February 2018, Tuesday | 09:30 AM PST | 12:30 PM EST | Duration: 60 Min - Online and further on demand

What You Will Learn

  • Minimum requirements of a credit policy
  • Credit risk appetite and credit risk tolerance statement
  • Regulatory expectations for credit policy contents
  • Credit analysis and underwriting guidelines
  • Credit approval authorities
  • Lending authorities
  • Credit policy exceptions
  • Portfolio limits and concentrations
  • Loan documentation requirements
  • Satisfactory risk, higher risk, unacceptable risk borrowers
  • Credit policy maintenance

Why You Should Attend

A well written credit policy spells out clearly a financial organization’s credit culture and strategy.

If you want an effective, practical credit policy, you will learn how to write, implement and maintain a body of policy that lenders and credit approvers respect, obey and support.

Learning Objectives:

  • Understand the supporting role that credit policy plays in credit culture and credit risk management
  • Learn the basic requirements of a credit policy in meeting regulatory expectations and documenting the organization’s credit strategy
  • Explain how to write clear and concise credit policies

Who Will Benefit:

  • Credit risk management
  • Credit policy officers
  • Credit policy managers
  • Chief credit officers
  • Loan review officer
  • Auditors
  • Compliance officers
  • Risk managers

Course Curriculum

  Lecture 1
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  Main Module
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Your Instructor

Dev Strischek
Dev Strischek

A frequent speaker, instructor, advisor and writer on credit risk and commercial banking topics and issues, Dev is principal of Devon Risk Advisory Group and engages in consulting, speaking and training on a wide range of risk, credit, and lending topics.

As former SVP and senior credit policy officer at SunTrust Bank, Atlanta, he was responsible for developing, implementing, and administering credit policies for SunTrust’s wholesale lines of business--commercial, commercial real estate, corporate investment banking, capital markets, business banking and private wealth management.

He also spent three years as managing director and credit approver in SunTrust’s Florida commercial lending and corporate investment banking areas, respectively. Prior to SunTrust, Dev was chief credit officer for Barnett Bank’s Palm Beach market. Besides stints at other banks in Florida, Kansas City, and Ohio, Dev’s experiences outside of banking include CFO of a Honolulu construction company, combat engineer officer in the U.S. Army, and college economics instructor in Hawaii, Missouri, and Florida. A graduate of Ohio State University and the ABA Stonier Graduate School of Banking, he earned his M.B.A. from the University of Hawaii.

Dev serves as an instructor in RMA’s Florida Commercial Lending School, the Stonier Graduate School of Banking, the Southwestern Graduate School of Banking, the Pacific Coast Banking School, and the American Bankers Association's (ABA) Commercial Lending. His school, conference, and workshop audiences have included participants drawn from the ABA, RMA, OCC, Federal Reserve, FDIC, FFIEC, SBA, the Institute of Management Accountants (IMA) and the AICPA.

Dev has written about credit risk management, financial analysis and related subjects for the ABA’s Commercial Insights, the Risk Management Association’s RMA Journal, and other business professional journals. He is the author of Analyzing Construction Contractors and its related RMA workshop.

A past national chair of RMA and former Florida Chapter president, Dev serves as a member of the RMA Journal’s advisory board, and an ex-officio board member of the Florida and Atlanta RMA chapters. He also serves on the advisory board of the Atlanta Chapter of the Professional Risk Managers’ International Association (PRMIA), and he has consulted on credit risk issues with banks in Morocco, Egypt, and Angola through the US State Department’s Financial Service Volunteer Corps (FSVC).


Kathie Beans, Writing,editing, and marketing services for financial companies, associations, and academic and trade journals

Dev Strischek is a long-time and highly valued member of The RMA Journal Editorial Advisory Board. I’m continually amazed at his wide breadth of knowledge that extends well beyond the field of banking. And what’s best about Dev is his willingness to share his knowledge. An excellent writer, a coach to other authors, and an insightful advisor to me, Dev is frequently recognized for his outstanding work.

Frequently Asked Questions

How to join the course?
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