Explores the distinct product characteristics and risk factors that affect performance and prudent credit risk management processes and practices. Identifies ways to manage and control risk levels and exposures.

Audience: Risk management and control professionals in the first, second or third line functions with primary responsibilities including monitoring and risk reporting of loan portfolios, underwriting, stress testing, audit, or governance across credit risk or financial risk categories, including liquidity and interest rate risks. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

Learning Objectives
After completing this course, students will be able to

• Identify the key product characteristics for commercial and agricultural lending

• Describe the major risk factors associated with originating commercial and agricultural loans

• Identify the primary functions of a sound credit risk rating system

• Describe the key components of a sound credit risk management framework and governance