Credit Risk Ready

Interviews with senior credit and lending professionals at financial institutions across the United States, their regulators and banking advisors about how to assess and mitigate credit risk in challenging times.

#43: Risk Appetite: The Battle between Lending & Credit (and how both can win) | Ancin Cooley 09/16/2021

#42: Credit Risk Review in (and Out of) a Pandemic Recession | Ancin Cooley 08/26/2021

#41: Prudent Pandemic Loan Concessions: How Will the Regulators See It? How Can We Prepare? | Ancin Cooley 08/12/2021

#40: Pushing Out of Your Comfort Zone: How to Master Difficult Conversations in a Virtual Meeting | Allison Shapira 07/29/2021

#40: Pushing Out of Your Comfort Zone: How to Master Difficult Conversations in a Virtual Meeting | Allison Shapira You need to: reach out to your borrowers, in tough times and in triumph. present your ideas to your mentor lender, or the loan committee, in a way that accomplishes your goals and advances your career. connect with a prospective borrower and pull them in to your client base. Many people find those situations challenging and uncomfortable. In this episode, Allison Shapira, will move you into your comfort zone when using the virtual format to have a challenging conversation. Resources: YouTube: Book: Websites: About Allison Shapira: Allison Shapira is a former opera singer turned entrepreneur, keynote speaker, and expert in public speaking. She is the Founder/CEO of , a communication training firm and certified woman-owned small business that helps people speak clearly, concisely, and confidently - both virtually and in person. She teaches public speaking at the Harvard Kennedy School and has spent nearly 18 years developing leadership communication programs for Fortune 50 companies, government agencies, and non-profit organizations around the world. She also travels around the world with the nonprofit Vital Voices Global Partnership, teaching leadership communication to help women leaders grow their business, run for office, or launch a nonprofit. Allison is a Certified Virtual Presenter and a Certified Speaking Professional (CSP). She holds a master’s degree in public administration from the Harvard Kennedy School and is an internationally-renowned singer/songwriter who uses music as a way to help others find their voice and their courage to speak. Allison is the author of (HarperCollins Leadership) which was a Washington Post best-seller. She has spoken at the Fortune Most Powerful Women Next Gen Summit, the Most Powerful Women in Banking LEAD Conference, and was a finalist for 2017 Woman Business Owner of the Year by the National Association of Women Business Owners, San Diego Chapter. She lives in Washington, DC. Find out more about Linda Keith at: LinkedIn: /episode/index/show/creditriskready/id/19903178

#39: Sales and Marketing: Strategy Questions to Help (and Assess) Your Business Borrowers | Joel Block 07/15/2021

#38: Higher Expectations in Virtual Meetings: Are You Ready? | Allison Shapira 06/24/2021

#38: Higher Expectations in Virtual Meetings: Are You Ready? | Allison Shapira As we get 'back to work', expectations for polish and impact in virtual meetings will go up. The casual, lowered expectations during the recession will be replaced by an assumption that you are back in a completely professional mode. You need to reach out to your borrowers, in tough times and in triumph. You need to present your ideas to your mentor lender, or the loan committee, in a way that accomplishes your goals and advances your career. You need to connect with a prospective borrower and pull them in to your client base. In this episode, Allison Shapira, will move you back into your most professional comfort zone when using the virtual format to make your point or make your case. Resources: YouTube video: Book: Websites: About Allison Shapira: Allison Shapira is a former opera singer turned entrepreneur, keynote speaker, and expert in public speaking. She is the Founder/CEO of , a communication training firm and certified woman-owned small business that helps people speak clearly, concisely, and confidently - both virtually and in person. She teaches public speaking at the Harvard Kennedy School and has spent nearly 18 years developing leadership communication programs for Fortune 50 companies, government agencies, and non-profit organizations around the world. She also travels around the world with the nonprofit Vital Voices Global Partnership, teaching leadership communication to help women leaders grow their business, run for office, or launch a nonprofit. Allison is a Certified Virtual Presenter and a Certified Speaking Professional (CSP). She holds a master’s degree in public administration from the Harvard Kennedy School and is an internationally-renowned singer/songwriter who uses music as a way to help others find their voice and their courage to speak. Allison is the author of (HarperCollins Leadership) which was a Washington Post best-seller. She has spoken at the Fortune Most Powerful Women Next Gen Summit, the Most Powerful Women in Banking LEAD Conference, and was a finalist for 2017 Woman Business Owner of the Year by the National Association of Women Business Owners, San Diego Chapter. She lives in Washington, DC. Find out more about Linda Keith at: LinkedIn: /episode/index/show/creditriskready/id/19505609

#37: Futurenomics: The Snapshot You Need to See Today | Mary C. Kelly 06/10/2021

#36: Gauges the Board and Management Should Be Watching While Emerging From the Recession | Tim Harrington 05/27/2021

#36: Gauges the Board and Management Should Be Watching While Emerging From the Recession | Tim Harrington As we emerge from the Global Pandemic Recession, the Board and Management have critical indicators to watch closely. Some of them are the usual, some of them are specific to recovery from a recession. Some of them will worry the regulators. In this episode, we'll discuss what to keep an eye on as we emerge from the recession. Resources: Book: A Credit Union Guide to Strategic Governance: Book: Eisenhower on Enlighted Leadership: Blog: Lenders’ Tax Analyzer Software: About Tim Harrington: Author, consultant and international speaker, Tim Harrington has worked with credit unions in all 50 states, Canada, Mexico, Jamaica, the Dominican Republic, The US Virgin Islands and Puerto Rico. His progressive ideas and broad knowledge of credit union issues has made Tim a valuable resource for credit unions nationwide. Tim has spoken to tens of thousands of credit union volunteers and staff and continues to inspire them to improve their credit unions. Since 1996, Tim has been President of TEAM Resources, a firm providing consulting, strategic planning, and training to credit unions from coast-to-coast. TEAM Resources’ clients range from a few million to the billions in assets. Tim is the author of several books including Eisenhower on Enlightened Leadership and co-author of A Credit Union Guide to Strategic Governance. His books inspire boards and leadership teams to lead effectively with high integrity. From 2001 to 2006, Tim was the chairman of the board of a $150 million credit union in Tucson, Arizona. He was appointed to the board of this troubled credit union in 2001 and served until 2006. During his tenure on the board the credit union evolved from losing over $2 million per year to earning a profit of nearly $2 million by 2006. Tim was formerly a partner with the nation’s 3rd largest auditor of credit unions, known today as CliftonLarsonAllen. He has been working with credit unions since 1989 when he directed the internal audit of a large credit union in Tucson, Arizona. Prior to that, he was with a national accounting firm and has been practicing accounting and consulting since 1980. Because of his knowledge, wit and unpretentious delivery, Tim is a much sought after speaker in the credit union movement. Tim has made presentations at conferences for CEOs, Directors, Supervisory Committees, lenders, marketers, and many more. Tim is on the faculty of the CUNA Finance for Non-Financial Managers and Volunteers School, CUNA Volunteer Certification School and CUNA Management School. Tucson, Arizona has been home for Tim since 1980, but he is a native of Montana. He holds a BBA in Accounting from Gonzaga University in Spokane, Washington. He has also attended universities in Morelia, Michoacan, Mexico and Florence, Italy and speaks several languages. Contact Information Timothy Harrington, CPA President, TEAM Resources Phone: 520-290-5721 Cell: 520-906-7501 Fax: 520-290-8378, Address: 7049 Tanque Verde, PMB 136 Tucson, AZ 85715 Find out more about Linda Keith at: LinkedIn: /episode/index/show/creditriskready/id/19225088

#35: How 'Invisible Capital' Helps Your Business Borrowers Succeed | Joel Block 05/13/2021

#34: Leadership Succession Planning for Business and Banking | Mary C. Kelly 04/29/2021

#33: Risk Appetite: How the Board Decides, Defines, and Communicates Their Choice | Tim Harrington 04/15/2021

#33: Risk Appetite: How the Board Decides, Defines, and Communicates Their Choice | Tim Harrington Risk appetite is a responsibility of both the Board of Directors and of Management. How exactly does it get decided, defined and communicated? How do Directors and Management insure they are in sync? And how do they decide it is time to intelligently adjust the 'diet'? Resources: Book: A Credit Union Guide to Strategic Governance: Book: Eisenhower on Enlighted Leadership: Blog: Lenders’ Tax Analyzer Software: About Tim Harrington: Author, consultant and international speaker, Tim Harrington has worked with credit unions in all 50 states, Canada, Mexico, Jamaica, the Dominican Republic, The US Virgin Islands and Puerto Rico. His progressive ideas and broad knowledge of credit union issues has made Tim a valuable resource for credit unions nationwide. Tim has spoken to tens of thousands of credit union volunteers and staff and continues to inspire them to improve their credit unions. Since 1996, Tim has been President of TEAM Resources, a firm providing consulting, strategic planning, and training to credit unions from coast-to-coast. TEAM Resources’ clients range from a few million to the billions in assets. Tim is the author of several books including Eisenhower on Enlightened Leadership and co-author of A Credit Union Guide to Strategic Governance. His books inspire boards and leadership teams to lead effectively with high integrity. From 2001 to 2006, Tim was the chairman of the board of a $150 million credit union in Tucson, Arizona. He was appointed to the board of this troubled credit union in 2001 and served until 2006. During his tenure on the board the credit union evolved from losing over $2 million per year to earning a profit of nearly $2 million by 2006. Tim was formerly a partner with the nation’s 3rd largest auditor of credit unions, known today as CliftonLarsonAllen. He has been working with credit unions since 1989 when he directed the internal audit of a large credit union in Tucson, Arizona. Prior to that, he was with a national accounting firm and has been practicing accounting and consulting since 1980. Because of his knowledge, wit and unpretentious delivery, Tim is a much sought after speaker in the credit union movement. Tim has made presentations at conferences for CEOs, Directors, Supervisory Committees, lenders, marketers, and many more. Tim is on the faculty of the CUNA Finance for Non-Financial Managers and Volunteers School, CUNA Volunteer Certification School and CUNA Management School. Tucson, Arizona has been home for Tim since 1980, but he is a native of Montana. He holds a BBA in Accounting from Gonzaga University in Spokane, Washington. He has also attended universities in Morelia, Michoacan, Mexico and Florence, Italy and speaks several languages. Contact Information Timothy Harrington, CPA President, TEAM Resources Phone: 520-290-5721 Cell: 520-906-7501 Fax: 520-290-8378, Address: 7049 Tanque Verde, PMB 136 Tucson, AZ 85715 Find out more about Linda Keith at: LinkedIn: /episode/index/show/creditriskready/id/18647450