The first four C’s—capacity, conditions, collateral, and character-evaluate a borrower’s ability to repay, but character forces the lender to examine closely the borrower’s willingness to repay, especially since the rise in fraud that accompanied the Great Recession and the more recent Pandemic Recession. Knowing your customer has become more challenging in an environment in which personal contact has been supplanted with remote, unobtrusive data gathering, e.g., credit reports, centralized underwriting, and approval, hunter-skinner processes, etc.
Areas Covered:-
Why You Should Attend:-
Bankers have relied on the 5 C’s of credit—capacity, conditions, collateral, capital, and character for many years, but what do these terms really mean, and how do lenders use them to determine whether a potential borrower is creditworthy? This credit model is simple to understand and easy to use. Attend the session to C for yourselves.
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A frequent speaker, instructor, advisor, and writer on credit risk and commercial banking topics and issues, Dev Strischek is the principal of Devon Risk Advisory Group and engages in consulting, speaking, and training on a wide range of risk, credit, and lending topics. As a 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 RMA’s Florida Commercial Lending School, the Stonier Graduate School of Banking, and as both an instructor and as a member of the American Bankers Association's (ABA) Commercial Lending and Graduate Banking School advisory board. 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.
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