Stress Testing - How to Get Started
11/17/2008
Our primary regulatory wants us to stress test our commercial and consumer loan portfolios. What should we be thinking about to get started?
BOL Guru
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Questions Answered
Key Risk Indicator Identification
11/17/2008
How should a bank identity its key risk indicators?
Risk Dashboards
11/17/2008
Our bank's regulator suggested that we set up a risk dashboard - how do we get started?
Inherent Risk
11/17/2008
Bankers keep hearing about inherent risk. Just what is inherent risk?
Performing Risk Assessments
11/03/2008
What individual risk assessments is a bank expected to perform? How do the individual risk assessments fit together with an "enterprise risk assessment"?
Eliminating Risk
11/03/2008
What is the best way to estimate risk? Do we take controls into consideration?
Annual Security Reporting to the BOD
09/24/2007
I am looking for the rules and Regs on annual security reporting to the board of directors. Where can I find this information?
Timing of Appraisal Notice on HELOCs
05/23/2005
On a Home Equity Line of Credit, do you give the Notice of Right to Receive copy of Appraisal at time of application or at closing?
What actions should my institution take in order to expand our Assessment Area(s)?
02/21/2005
What actions should my institution take in order to expand our Assessment Area(s)?
Real Estate Loan To Illegal Immigrant
05/05/2003
We have had a couple of inquires from customers regarding their ability to obtain credit for the purpose of purchasing a homestead while their legal status is that of an illegal immigrant. They claim to have a legitimate ITIN issued by the SS administration and have filed for 3-4 years worth of income taxes. It is prudent and/or legal to extend credit (real estate secured) to individuals under these circumstances, if they meet all other credit qualification?