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Risk
06/13/2024

What Directors Should Ask About Credit

With some banks reporting a modest worsening in credit quality metrics, directors should examine the loan process for problem spots.

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About the authors
Written by
Paul Davis Contributing Writer

Paul Davis is a contributing writer for Bank Director. He previously served as director of market intelligence at Strategic Resource Management, editor of community banking and M&A at American Banker, and news director at SNL Financial.

Paul Davis
Contributing Writer

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As credit quality becomes a hot topic for banks, it is important that directors ask the right questions to better understand how their bank has prepared for potential issues. Over the past few quarters, banks of various sizes have reported modest upticks in delinquencies, past due loans and nonperforming assets. Several have recorded charge-offs for what bankers have labeled as isolated issues in industries such as retail, food services and healthcare. At the same time, federal banking regulators have made it clear that they want directors to be more involved in discussions over strategic direction. Underwriting, monitoring and resolving issues…
WRITTEN BY

Paul Davis

Contributing Writer

Paul Davis is a contributing writer for Bank Director. He previously served as director of market intelligence at Strategic Resource Management, editor of community banking and M&A at American Banker, and news director at SNL Financial.