Agenda

Sep 24, 2026
11:00 am - 12:30 pm EST

Strong credit analysis does not end when a loan is approved. Credit analysts must be able to recognize changing risk, determine how borrower or market conditions could affect repayment, and recommend appropriate action before weaknesses become serious problems.

This webinar will provide a practical framework for identifying, assessing, and mitigating risk in commercial loans. Participants will learn how to recognize warning signs in borrower financial performance, cash flow, operations, and collateral. The program will examine concerns such as declining debt-service coverage, inconsistent revenue, shrinking margins, increasing leverage, collateral shortfalls, outdated or unsupported valuations, and other indicators of emerging credit deterioration.

Participants will also learn how to conduct basic stress tests and scenario analyses involving interest-rate increases, revenue declines, expense increases, commodity-price changes, and higher vacancy rates. The program will demonstrate how analysts can translate stress-test results into stronger monitoring requirements, loan structures, covenants, collateral controls, and recommendations to lenders and loan committees.

Throughout the session, the emphasis will be on helping developing analysts move beyond simply reporting financial results. Participants will learn to explain what the identified risks mean, how significant those risks may be, and what the financial institution can do to reduce or manage its exposure.

Topics

KEY WEBINAR TAKEAWAYS:

• Early warning signs of credit deterioration in borrower financial statements, cash flow, operations, and collateral
• Practical stress-testing techniques to evaluate how changing interest rates, declining revenue, rising costs, vacancy, and other adverse conditions could affect repayment capacity
• Assessing collateral vulnerabilities, including valuation concerns, lien and documentation issues, marketability, and reliance on collateral as a secondary source of repayment
• Clear, supportable recommendations for monitoring, structuring, and mitigating identified credit risks

This webinar is part of the Commercial Credit Analyst Series

Speaker(s)

Robert L. Viering
RiverPointUSA LLC & RegVision LLC

Bob is the principal of RiverPointUSA LLC, a national consulting and training firm dedicated to helping community banks and credit unions strengthen credit risk management, strategic planning, and sustainable growth. With over 40 years of experience in commercial banking, Bob brings expertise in C&I, CRE, and agricultural lending, as well as portfolio management, stress testing, CECL, liquidity, and capital planning.

Bob’s career includes roles as a de novo bank founder, CEO, Chief Lending Officer, regional credit officer, board member, and audit committee member. He has also served as an expert witness in state and federal courts. Bob is a past board member of state and national banking associations and a frequent speaker on banking topics across the country.

In addition to his work at RiverPointUSA, Bob co-founded RegVizion LLC, which develops AI-driven credit tools. Bob is also a founder of RegVizion LLC, developing AI-driven credit tools, and actively serves on the board of the Chicago Chapter of ProSight (formerly RMA) and is a member of their national Chapter Advisory Group.

Fees

Live Webinar - $279

• Unlimited connections for your institution
• Available on desktop, mobile & tablet
• Take-away toolkit
• Presenter’s contact info for questions

On-Demand Webinar - $279

• Unlimited & shareable access starting two business days after live stream
• Available on desktop, mobile & tablet devices 24/7
• Take-away toolkit
• Ability to download webinar video
• Presenter's contact info for questions

Live + On-Demand - $379

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact