Three Keys to Managing Risk and Capital in Your Credit Union. Ancin Cooley Founder and Principal Synergy Credit Union Consulting
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1 Three Keys to Managing Risk and Capital in Your Credit Union Ancin Cooley Founder and Principal Synergy Credit Union Consulting
2 Board Training and Strategic Planning
3 4 in 1 Audits: ACH Director Audit IT Audit BSA/AML
4 DAD I wonder what is for dinner Tonight? Gumbo Cook Former Regulator
5 Agenda role as a Manager? Where are we now?: Industry Overview Discuss the three keys to managing capital Questions role as a Board? What is your role as an Internal Auditor?
6 What is this area of the street called?
7 What do you see?
8 I saw a cardinal sin.
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10 What is your role as a Board? What is your role as a Manager?
11 What is your role as a Board? What is your role as a Manager?
12 What is your role as a Board? What is your role as a Manager?
13 What is your role as a Board? What is your role as a Manager?
14 What is your role as a Board? What is your role as a Manager?
15 What issues are keeping credit unions up at night?
16 Weak Loan Growth CECL High Past Dues Talent Risk Slim Net Interest Margins Operational Risk The challenges facing credit unions today are diverse. They will require strategy and execution to overcome.
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18 Talent management is key to strategic success Talent management issues are a major cause of organization underperformance and the root cause of some credit unions consistently missing strategic objectives.
19 Your internal talent is you competitive advantage. Currently there are 2012 credit unions with efficiency ratios greater than 90%. Credit Unions with competent and engaged employee do more with less. Efficiency Ratio = Operating Expense/Operating Rev
20 Talent Management Tip Strong credit unions write down their recipes.
21 Talent Management Tip: Strong credit unions perform skill gaps analysis to ensure everyone can contribute a piece of the success puzzle.
22 Talent Management Tip: Strong credit unions require employees to train their replacements before they can be promoted. You must create a culture where employees who improve others are celebrated and rewarded
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25 Institutional Biases
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29 People have a tendency to rely on the first piece of information offered (the anchor) or their first experience when making a decision.
30 Example: How much should your credit union pay an experienced credit analyst? But, We started Greg at $30k in 2008 CEO When an organization fixates on initial information and fails to adjust for subsequent information, they ve fallen prey to anchoring..
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33 Buffett often invites critics to his board meetings to avoid confirmation biases.
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35 Risk Appetite: Would you fight Tyson For 10 million dollars?
36 Would you swim What is your role as a Board? across a pool What is your role as a Manager? with a crocodile floating inside?
37 What is your role as a Board? What is your role as a Manager?
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42 The Metaphor of Risk Appetite How hungry is your credit What is your role as a Board? union? What, and more importantly, What is your role as a Manager? HOW much should it eat? How does it know when to slow down and diet?
43 Risk Capacity The maximum level of risk a financial institution can assume, given its current What level is of your resources role as a before Board? breaching constraints determined by regulatory capital and liquidity needs. 13% 6%-8% What is your role as an Internal Auditor?
44 What is your role as a Board? What is your role as a Manager?
45 Would YOU approve a car loan with a 580 score, 30% DTI, and where the borrower hasn t missed a car payment? What is your role as a Board? What is your role as a Manager? What is your role as an Internal Auditor?
46 Would YOU approve a car loan with a 700 score and a 55% DTI? What is your role as a Board? What is your role as a Manager? What is your role as an Internal Auditor?
47 Would YOU approve an MBL loan to purchase a commercial building with a 30% LTV and a 2.50x? What is your role as a Board? What is your role as a Manager? What is your role as an Internal Auditor?
48 Risk Limits Quantitative measure based What is your role as a Board? on forward looking assumptions that allocate What the financial is your role as institution's a Manager? aggregate risk appetite statement to business line, legal, and concentrations
49 Risk Capacity For Example: Credit Union A Net Worth + Reserves: What is your role as a Board? $25,204,546 6%-8% Total Assets: $338,362,194 What is your role as a Manager? Net Worth Ratio of 7.44% Cushion before falling below 7%: $1,604,546
50 Risk Capacity For Example: Credit Union B Net Worth + Reserves: What is your role as a Board? $35,000,000 6%-8% Total Assets: $338,362,194 What is your role as a Manager? Net Worth Ratio of 10.34% Cushion before falling below 7%: $11,400,000
51 Risk Capacity What is your role as a Board? 6%-8% $1,000,000 What is your role as a Manager? Capital MBL ( Commercial Real Estate) SBA Loans
52 Risk Capacity What is your role as a Board? 6%-8% What is your role as a Manager? 1) We are too small 2) It is too risky for us 3) We don t have the skillset..
53 Take-Away What is your role as a Board? 6%-8% Do you know how much cushion your credit What is your role as a Manager? union has? What is your role as an Internal Auditor?
54 How do we implement this process? 1) Do you understand your individual risk appetite? 6%-8% 2) Survey the Board. 3) Develop a risk appetite What is your role as a Manager? statement. 4) Create limits and policies that reflect your appetite. 5) Monitor.
55 Risk Appetite Survey What risk appetite do you believe that decision makers throughout the organization currently exhibit in the way they set direction, make decisions, and monitor performance? What is your role as a Board? What is your role as a Manager? Open Flexible Cautious Minimalist Averse
56 There is a limited number of borrowers with credit scores over 700 and unfortunately everyone is fishing in the same pool.
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58 What is your role as a Board? What is your role as a Manager? What is your role as an Internal Auditor?
59 This gets me upset What is your role as a Board? 6%-8% What is your role as a Manager? What is your role as an Internal Auditor?
60 me for a complimentary toolkit Contact Information: Acooley@syncuc.com
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