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
HIPAA Compliance in 2026 — Practical Strategies for Breach …
Launch Your Career: The Ultimate Guide for Emerging Profess…
Moving From an Operational Manager to a Strategic Leader
Discover how Emotional Intelligence turns AI from a technic…
Dealing With Difficult People: At Work & In Life
I-9 Audits: Strengthening Your Immigration Compliance Strat…
Empowering Conflict Resolution: Letting Go to Gain Control
The 60 Minutes Introduction to DAX
The 6 Most Common Problems in FDA Software Validation and V…
High-Impact Performance Management: Tools, Tactics & Coachi…
AI Across the Business: Practical Use Cases for Founders an…
Faster, Better Talent Acquisition: Leveraging AI & ChatGPT …
The Anti-Kickback Statute: Enforcement and Recent Updates
Do's and Don'ts of Giving Effective Feedback for Performanc…
Emotional Intelligence: Mastering the Emotions of Great Lea…
Copilot and HR: An Introduction for HR Professionals
Goal Mastery: From Resolutions to Results in 2026
Your AI Advantage: How HR Professionals Can Use Claude to S…
Human Error Reduction Techniques for Floor Supervisors
Validation of FDA-Regulated Medical Device and SaMD Product…
Human Factors Usability Studies Following ISO 62366 and FDA…
Managing Toxic & Other Employees Who Have Attitude Issues
I-9 Enforcement & Compliance: A 5-Step Plan for Employers t…
Major cGMP Issues: FDA Concerns in 2026
4-Hour Virtual Seminar on Transformational Leadership - The…
Understanding EBITDA – Definition, Formula & Calculation
DOL Reverses Course on Independent Contractor Rule for 2026…
Managing Toxic Employees: Strategies For Leaders To Effecti…
ChatGPT and Project Management: Leveraging AI for Project M…
Navigating HR Like A Pro: What Every Small Business & New H…
HPLC Analytical Method Development and Validation
Negotiating Skills For Professional Results - Winning Strat…
Managing Projects When AI Joins the Team: Human Judgment, A…
Excel Spreadsheets; Develop and Validate for 21 CFR Part 11…
Paying and Receiving Payments for Referrals: You Can Go to …
Ten Red Flags that Signal Financial Distress in Business Cu…
The Age-Inclusive Workplace: How to Lead and Work Across Ge…
Tattoos, hijabs, piercings, and pink hair: The challenges …
Fatal Errors Employers Make When Updating Employee Handbook…
AI Fundamentals for All Leaders and Managers: How to Work S…