The regulators want financial institutions to comply with their appraisal guidance. But more importantly, the regulators intend for banks to recognize and avoid situations that create risk for their specific institution. Operational risk incorporates many of the other types of risk an institution can face. There are some conditions under which a faulty appraisal program can inflate a bank's operational risk. This webinar will look closely at those situations and options to avoid them.
WHY SHOULD YOU ATTEND?
- Banks are astute in assessing credit risk, but often underestimate the risk to the institution from lack of full compliance with the Interagency Appraisal and Evaluation Guidelines
- Most banks are not aware that inefficient and improper linkages of the appraisal function with other departments within the institution can create an added risk to the institution
- The big focus in banks is on credit risk, followed by market risk, but internal practices can also enhance risk to a bank's operation
- Many banks' compliance monitoring and risk assessment processes overlook the appraisal function
- This webinar provides context for a better understanding of operational risk and how the appraisal function may enhance or impair the soundness of an institution
AREA COVERED
1. You will be given a framework for and ideas to allow your bank to customize its ORM program.
2. You will learn:
- The impact of the appraisal function on the institution and its operational risk
- How, with an effective ORM program, the appraisal function facilitates loan production and also reduces risk
- How people play a part in successful operational risk management
- How technology can have an impact on operational risk management
- Some warning signs of poor appraisal function integration in operational risk management
LEARNING OBJECTIVES
You will learn:
- How the interagency appraisal and evaluation guidelines stress risk assessment in the appraisal program?
- The definition of operational risk and how this flows through the entire organization, including the appraisal function
- That operational risk can be managed, but not eliminated
- About ORM, discipline, and practice for managing operational risk
- The problems with retaining a more traditional system of risk discipline silos
- The importance of transparency in the ORM process
WHO WILL BENEFIT?
- CEOs and presidents of community banks
- Credit administration officers
- Chief appraisers/appraisal function managers
- Credit officers involved in the appraisal function
- Credit reviewers and other credit side personnel
- Lending group managers
- Employees tasked with elements of the appraisal function
- Banks are astute in assessing credit risk, but often underestimate the risk to the institution from lack of full compliance with the Interagency Appraisal and Evaluation Guidelines
- Most banks are not aware that inefficient and improper linkages of the appraisal function with other departments within the institution can create an added risk to the institution
- The big focus in banks is on credit risk, followed by market risk, but internal practices can also enhance risk to a bank's operation
- Many banks' compliance monitoring and risk assessment processes overlook the appraisal function
- This webinar provides context for a better understanding of operational risk and how the appraisal function may enhance or impair the soundness of an institution
1. You will be given a framework for and ideas to allow your bank to customize its ORM program.
2. You will learn:
- The impact of the appraisal function on the institution and its operational risk
- How, with an effective ORM program, the appraisal function facilitates loan production and also reduces risk
- How people play a part in successful operational risk management
- How technology can have an impact on operational risk management
- Some warning signs of poor appraisal function integration in operational risk management
You will learn:
- How the interagency appraisal and evaluation guidelines stress risk assessment in the appraisal program?
- The definition of operational risk and how this flows through the entire organization, including the appraisal function
- That operational risk can be managed, but not eliminated
- About ORM, discipline, and practice for managing operational risk
- The problems with retaining a more traditional system of risk discipline silos
- The importance of transparency in the ORM process
- CEOs and presidents of community banks
- Credit administration officers
- Chief appraisers/appraisal function managers
- Credit officers involved in the appraisal function
- Credit reviewers and other credit side personnel
- Lending group managers
- Employees tasked with elements of the appraisal function
Speaker Profile
Heidi C. Lee
Heidi Lee is a commercial review appraiser with 18 years of experience at Whitney National Bank, a mid-sized financial institution. Since retiring from Whitney Bank in 2011, Heidi has founded Appraisal Review and Consultation to share her skills and appraisal regulatory knowledge base with other financial institutions. Her firm offers commercial review services and appraisal policy/procedures assistance to small- and medium-sized banks across the country.She has earned the MAI and the AI-GRS designations issued by the Appraisal Institute and the MRICS designation issued by the Royal Institution of Chartered Surveyors. She holds a general appraiser certification in Louisiana and Texas …
Upcoming Webinars
Gossip-Free: Leadership Techniques to Quell Office Chatter
Pivot tables beginner to advanced + 20 advanced Pivot table…
Strategic ways to build your professional brand
Excel - Pivot Tables - The Key To Modern Data Analysis and …
I-9 Audits: Strengthening Your Immigration Compliance Strat…
Fostering a Culture of Respect: Eliminating Gossip, Rumour…
AI Fundamentals for All Leaders and Managers: How to Work S…
Rewiring Your Emotional Triggers: Leading with Clarity and …
H-1B Visa Updates and Employer Strategies for 2026
The $1M Mistake: EEOC Discrimination Claims Employers Make …
Using Claude in Excel for Productivity, Automation & Data A…
2-Hour Virtual Seminar on the 6 Most Common Problems in FDA…
ChatGPT Jumpstart From intro to Download to Personal Assist…
Bootcamp for New Managers and Supervisors: Develop These Es…
2-Hour Virtual Seminar on How to Conduct an Internal Harass…
Why EBITDA Doesn't Spell Cash Flow and What Does?
HIPAA Compliance in 2026 — Practical Strategies for Breach …
Do's and Don'ts of Documenting Employee Behaviour, Performa…
FDA Regulation of Artificial Intelligence/ Machine Learning
Secrets Of Psychology - Why People Do The Things They Do
FDA Compliance And Laboratory Computer System Validation
Utilizing HR Metrics to Illustrate & Improve Human Resource…
ChatGPT for CPAs and Finance Professionals
Understanding EBITDA – Definition, Formula & Calculation
The Anti-Kickback Statute: Enforcement and Recent Updates
The 60 Minutes Introduction to DAX
Maximizing Productivity with ChatGPT: AI Solutions for HR, …
Using High-Performance Coaching for Managers to Address Per…
Analytical Method Validation Under Good Laboratory Practice…
Workplace Investigations 101: How to Conduct your Investiga…
Harassment, Bullying, Gossip, Confrontational and Disruptiv…
THE NEW I9 - Mandated Requirements for Worker Verification …
Language is Code - Intro to AI - Generative AI - ChatGPT an…
Discover how Emotional Intelligence turns AI from a technic…
AI in B2B Marketing: What Your Compliance Team Needs to Know
Stress, Change And Team Resilience Through Humor: An Intera…
Effective And Defensible Documentation Of Employee Problems…
How to Write Procedures to Avoid Human Errors