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Bank Directors’ Guide to Controlling Credit Risk
The Kentucky Bankers Association is pleased to offer our members Bank Directors’ Guide to Controlling Credit Risk by Dr. William F. Staats. The author for thirty years was the Hermann Moyse, Jr. Distinguished Professor of Finance and Louisiana Bankers Association Chair of Banking at Louisiana State University. Staats was a founding director of a community bank and was appointed by the Federal Deposit Insurance Corporation as a founding director of the nation’s first bridge bank. In addition, he has served as an expert witness in more than 25 legal cases involving the duties of bank directors and officers. Each of those cases involved a failed institution. Staats has examined the files related to several hundred loans at failed banks and savings and loan associations.
This 50-page paperback contains definition of risk in banking, the elements essential to a sound loan policy, a discussion of the several steps in underwriting a loan, a description of major loan underwriting deficiencies, how to control credit risk at the portfolio level, how to maintain capacity to absorb credit losses, and how directors can monitor credit risk. In addition, Dr. Staats has interspersed the publication with real-world situations.
Click here to order directly from the Graduate School of Banking site.