Loan Portfolio Stress Testing - Young & Associates, Inc. Community Bank Consultants

Loan Portfolio Stress Testing
Commercial Real Estate(CRE)/Commercial Loans Portfolio Segment Stress Testing Model Consumer Real Estate/HELOC Stress Testing Model Complete Stress Testing Package

	Young & Associates, Inc.’s Loan Portfolio Stress Testing models allow you to: Perform a risk assessment of higher-risk segments of the bank’s portfolio Create support documents for ALLL analysis as it pertains to credit risk management Determine the risk potential and pricing adequacy during loan approval Stress test using multiple stress-test scenarios (e.g., loan grades, loan-to-value, debt service coverage, net operating income)
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Commercial Real Estate(CRE)/Commercial Loan Loan Stress Testing Model (#258)
Includes two easy-to-use Microsoft® Excel spreadsheets to complete the required stress tests using multiple stress test scenarios (e.g., collateral values, debt service coverage ratio, interest rates, etc). Most information can be downloaded from the bank's mainframe, eliminating the need to enter all data manually. Also includes easy-to-understand instructions for completing both worksheets, and explains the importance of stress testing to the bank's overall risk assessment of portfolios. Requires Microsoft® Excel 2002/XP or higher. $825 Return to Top
Portfolio Segment Stress Testing Model (#257)
Includes an easy-to-use Microsoft® Excel spreadsheet to complete required stress tests for the higher-risk segments of the bank's loan portfolio. Stressing the bank’s credit risk grades and credit scores by loan type will determine the impact to the bank’s loan provisions and capital. Includes easy-to-understand instructions for completing the worksheet, and explains the importance of stress testing to the bank's overall risk assessment of portfolios. Requires Microsoft® Excel 2002/XP or higher. $425 Return to Top
Consumer Real Estate/HELOC Stress Testing Model (#256)
Includes an easy-to-use Microsoft® Excel spreadsheet to complete required stress tests needed for consumer mortgage loans and home equity lines of credit. Stresses the collateral value as well as the debt to income ratio. Includes easy-to-understand instructions for completing the worksheet and explains the importance of stress testing to the bank's overall risk assessment of portfolios. Requires Microsoft® Excel 2002/XP or higher. $425 Return to Top
Complete Stress Testing Package (#259)
Includes the Commercial Real Estate (CRE)/Commercial Loan Stress Testing Model (#258), Portfolio Segment Stress Testing Model (#257), and Consumer Real Estate/HELOC Stress Testing Model (#256). $1,295 Return to Top
Need Assistance?
If you prefer, Young & Associates, Inc. can complete the stress testing of your loan portfolios for you, and will provide a complete analysis of the results. For more information on our stress testing service and pricing structure, click here to contact Rob Grope.
Young & Associates, Inc. PO Box 711 • 121 East Main Street • Kent, OH 44240 800.525.9775