During his 41-year banking career, Mike served in commercial lending and senior credit management positions with Omaha, Nebraska-area community banks. Wear retired as a Senior Analyst in the Credit Risk Administration department of First National Bank of Omaha, a $23 billion community bank, specializing in underwriting larger ($10M-100M) commercial real estate loans throughout the country. In addition, he developed curriculum and conducted multi-tier training programs in credit analytics on an enterprise-wide basis.
Owner of 39 Acres Corporation, specializing in banker training and bank consulting services in credit risk underwriting and loan portfolio risk management
41-year banking career, in commercial lending and senior credit management positions with Omaha-area community banks
Loan portfolio management section leader and faculty member at the Graduate School of Banking at the University of Wisconsin in Madison, as well as GSB’s Sales & Marketing School and IT Management School
Former adjunct professor for the University of Nebraska-Omaha
Authored articles for banking publications and served as a textbook editor/reviewer for the American Bankers Association
Banking veteran Michael Wear will share real-life credit risk management lessons from previous recessions. You will learn how to evaluate individual industries, adjust credit memos, and take additional steps to protect your institution.
Topics Covered
Which industries are vulnerable? When?
What questions should you ask borrowers?
How can you vet the responses and factor the borrowers’ answers into your recommendations?
Banking veteran Michael Wear will share real-life credit risk management lessons from previous recessions. You will learn best practices for loan portfolio triage and loan grading amid the pandemic.
This session covers:
How can you reduce your credit risk exposure for vulnerable industries?
How can you reduce the vulnerability of your loan grading system in a recession?
Do ratings adequately measure risk, given falling collateral values and uncontrollable external factors that affect loan repayment?
How should you factor industry weakness?
How can you avoid TDRs with COVID-19 loan modifications?
