How to Identify, Maintain, and Improve Your Credit Culture
Webinar Details
Overview
A strong credit culture is the foundation of effective lending, sound risk management, and long-term financial success. It shapes how an organization evaluates credit risk, makes lending decisions, manages portfolios, and responds to changing economic conditions. Without a well-defined credit culture, institutions may experience inconsistent underwriting practices, increased credit losses, regulatory concerns, and weakened financial performance.
This practical webinar provides financial institutions, lenders, and credit professionals with a comprehensive framework for building, maintaining, and strengthening a healthy credit culture. Participants will learn how leadership, policies, governance, communication, and accountability contribute to sound credit decision-making and sustainable portfolio performance.
Through practical examples and industry best practices, attendees will gain actionable strategies for assessing their current credit culture, identifying weaknesses, and implementing improvements that enhance consistency, compliance, and long-term profitability.
Why You Should Attend
A well-developed credit culture goes beyond policies and procedures—it establishes the values, behaviors, and decision-making standards that guide every lending relationship. Organizations with strong credit cultures are better equipped to manage risk, maintain asset quality, meet regulatory expectations, and navigate changing economic environments.
This webinar will provide practical tools to evaluate your organization's credit culture and implement improvements that strengthen lending practices and reduce portfolio risk.
By attending, you will learn how to:
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Understand the characteristics of a strong credit culture
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Identify strengths and weaknesses in your current lending environment
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Promote consistent underwriting and credit decision-making
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Improve communication, accountability, and governance across lending teams
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Reduce credit risk while supporting responsible portfolio growth
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Develop practical strategies for continuous improvement
Who Will Benefit
This webinar is ideal for:
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Chief Credit Officers
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Commercial and Consumer Lenders
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Credit Analysts
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Underwriters
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Loan Officers
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Risk Management Professionals
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Bank Executives and Senior Management
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Credit Administration Professionals
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Internal Auditors
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Compliance Officers
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Bank Examiners
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Financial Institution Board Members
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Anyone responsible for credit risk management or lending operations
Areas Covered in the Session
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Understanding the Foundations of a Strong Credit Culture
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Identifying Characteristics of Healthy and Weak Credit Cultures
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Leadership's Role in Shaping Credit Risk Management
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Establishing Consistent Credit Policies and Underwriting Standards
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Strengthening Credit Governance, Accountability, and Oversight
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Balancing Growth Objectives with Sound Credit Risk Practices
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Monitoring Portfolio Performance and Credit Quality Trends
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Recognizing Early Warning Signs of Credit Culture Weakness
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Continuous Improvement Through Training, Communication, and Performance Measurement
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Real-World Case Studies and Best Practices for Building a High-Performing Credit Culture
Instructor Details
Dev Strischek
Principal
Devon Risk Advisory Group
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 the ABA’s 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)