Risk Management for Banks: A Guide to Regulatory Compliance

Be Ready for Your Next Exam Under the Risk Management CAMELS Standard! The regulators have placed increasing emphasis on risk management. While this adds another burden to bank management's limited time and resources, the right tools can make you a proactive manager who nails down the best opportunities and keeps costs under control. This practical guide covers all the different types of risk you need to manage and gives you the hands-on guidance you want. A team of authors shares their proven, tested experience on the wide variety of topics encompassed by a comprehensive risk management program. Plus, you'll find the tools you need to develop useful, long-term risk management procedures, including: Detailed checklists for each type of risk defined by the OCC and the Fed. Clear methodology for using modern risk management tools. An introduction to quantitative risk management concepts. Sample interest rate risk management policy covering 12 separate issues. Sample credit risk policy covering credit risk in new loans, existing loans, counter parties, and depositories. In-depth discussion of how to manage liquidity risk, including a case study, sources for liquidity, and how to use liquidity gap reports. Clear examples and suggestions for using these tools and techniques. Compliance risk chapter covers 20 laws and regulations related to lending, securities, and deposits. A sample risk identification worksheet. Checklists that go from the general to the specific and let you compare your current policies and procedures to what our experts recommend. Unique matrixes that let you quickly determine if your risk in each key area is low, medium, or high