Community Bank CRE Stress Testing: From Start to Finish


Presented by: Michelle Lucci    


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The 2006 Joint Interagency Guidance on CRE Concentrations is still widely cited in regulatory enforcement actions. In addition, the OCC issued additional Guidance in October 2012 on Stress Testing.

The Top-Down approach is a start but where do you go from there? How does your bank perform a Bottom-Up approach? Then what exactly do you do with the results?

This fast-paced two hour webinar will walk you through the Bottom Up approach. You will learn what data is required to perform the test but you will also learn how to estimate and calculate certain fields that are needed to perform the analysis. Once the data is tabulated you will learn how to apply the results in many areas of risk management, including: capital and strategic planning; budget analysis; underwriting new loans; concentration management; as well as individual lending decisions.

  • Regulatory Guidance History
  • What is and what isn't stress testing?
  • Approaches to Stress Testing
  • Should we sample or test the entire portfolio?
  • Data Requirements - what do we have to supply and what can we calculate and estimate?
  • What is a Multi-Variable Stress Test?
  • How do I calculate the effects on my banks Earnings and Capital?
  • After the test, now what?
  • How do the results affect my bank?
  • Will my capital accounts be protected?
  • How do I convey the results of the test to senior management and the board of directors?
  • What strategies can help mitigate the concentration risk?
  • Loan operations personnel
  • Credit administrators
  • Senior Lending Officers
  • Chief Executive Officers
About the Speaker: Michelle M. Lucci, CRCM, CAMS is a CRE Risk Management Consultant for Bankers Toolbox. She has over twenty five years of experience working in the banking industry. She originally worked on the retail side of banking and then upon graduating Georgian Court University in New Jersey with honors she became an examiner for the FDIC based in the New York and Atlanta regions. She earned the Commissioned Examiner designation for both Safety and Soundness as well as Consumer Compliance. For over eight years she conducted numerous examinations on institutions ranging from large metropolitan institutions to small community banks. Upon resigning from the FDIC she worked at Citigroup for several years conducting financial analysis and regulatory reporting for multi-billion dollar thrift institutions. Subsequently she was employed by a community bank as Compliance, BSA, OFAC, and CRA Officer where she earned the prestigious designations, the CRCM (Certified Regulatory Reporting Manager) and CAMS (Certified Anti-Money Laundering Specialist). At Bankers Toolbox she specializes in commercial real estate stress testing and has had articles published in the ABA Community Banker and Bank Technology News.

You have the right under this license agreement for this CD-ROM to use this presentation on a single-workstation. Use on a network is in violation of the copyright agreements. CD may be used by multiple users at a given institution but may not be placed on a network or in any other multi-user environment.

This program was recorded in its entirety in July 2013. The CD-ROM includes program slides, materials (if available) and follow-up Q & A document.

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  • Model: cd_cre0713
  • Manufactured by: Glia Group, Inc.

This product was added to our catalog on Friday 19 February, 2010.

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