Summits

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On April 18, IBAT will host its 2012 Credit Analysis Summit at the Sheraton Dallas.  This one day program is designed to introduce critical financial and non-financial credit analysis considerations, documentation, monitoring and other important factors central to the review of most major loan types. The program emphasizes ratio analysis, balance sheet and income statement trends, SFAS 95 cash flow analysis and non-financial considerations critical to sound underwriting principles.

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The Nuts and Bolts of Banking is a two-day summit for anyone wanting a complete banking overview – veteran bankers looking for a refresher course, new employees who need to learn the basics and bank suppliers who could use a primer on how a bank works.  This program is designed to acquaint attendees with banks and the banking environment.  You will understand how banking institutions are structured and regulated along with what banks do and how they do it.

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A recent issue of Texas Bank Report, published by the Texas Department of Banking, identified appraisal and collateral evaluation deficiencies as one of the most glaring issues facing banks in examinations.  The Department specifically identified failure on the part of banks to:

• Perform timely annual appraisals on Other Real Estate Owned;
• Update appraisals in distressed markets upon renewal; and