Credit Management Services
(714) 722-4066
| Professional Banking Services Since 1976 |
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Stress Testing
Stress testing has become a universal regulatory expectation. The benefits can be significant, especially relating to future capital planning.
No matter your bank’s size, big or small, recent regulatory guidance calls for all banks to consider implementing a stress testing model.
Depending on the size and complexity of your balance sheet, you may choose to simply develop a loan portfolio stress testing model or you
may need to consider the effects of stress testing the entire balance sheet.
If you have concentration issues in Commercial Real Estate, the regulatory guidance states that your model should be more robust.
Not sure where to start? We understand that tackling a new project can be overwhelming. Don’t recreate the wheel. We make it easy. The
hardest step in building a new model is to pick up the phone and call us!
If you already have an acceptable stress testing model in place, we can also perform the required independent annual review of your
model. We will validate the adequacy of your model and provide recommendations, if warranted, to improve it going forward.
One of the most important steps of any stress testing model is to incorporate the results into your Capital Plan.
Like all new things, stress testing can be scary. It doesn’t have to be. We have built dozens of models. We will help eliminate your fears
and provide a final product that is not only easy to use but will be acceptable to your Board of Directors and regulators!
Stress testing has become a universal regulatory expectation. The benefits can be significant, especially relating to future capital planning.
No matter your bank’s size, big or small, recent regulatory guidance calls for all banks to consider implementing a stress testing model.
Depending on the size and complexity of your balance sheet, you may choose to simply develop a loan portfolio stress testing model or you
may need to consider the effects of stress testing the entire balance sheet.
If you have concentration issues in Commercial Real Estate, the regulatory guidance states that your model should be more robust.
Not sure where to start? We understand that tackling a new project can be overwhelming. Don’t recreate the wheel. We make it easy. The
hardest step in building a new model is to pick up the phone and call us!
If you already have an acceptable stress testing model in place, we can also perform the required independent annual review of your
model. We will validate the adequacy of your model and provide recommendations, if warranted, to improve it going forward.
One of the most important steps of any stress testing model is to incorporate the results into your Capital Plan.
Like all new things, stress testing can be scary. It doesn’t have to be. We have built dozens of models. We will help eliminate your fears
and provide a final product that is not only easy to use but will be acceptable to your Board of Directors and regulators!