Pub. 4 2015 Issue 2

GlenLake One • 4140 ParkLake Ave, Suite 530 • Raleigh, NC 27612 • 919-846-1601 • www.CreditRiskMgt.com © 2013-2015 Credit Risk Management, LLC. All Rights Reserved. No part of this document or any of its contents may be reproduced, copied, modified or adapted, without prior written consent of Credit Risk Management, LLC. Effective credit management today is far more than underwriting good loans – Underwriting is just the BEGINNING… Banks today must also monitor and manage to macro credit risks (via PD, LGD, ALLL, CECL, DFAST) along with risk inputs beyond credit. What’s more, it’s vital that banks close the loop between their macro credit performance and the guidelines, policies, pricing and exception-controls at origination. Credit Risk Management’s products and services help banks properly span this Credit LifeCycle. To learn more, please visit our website to view three, short Credit LifeCycle videos. For a free consultation about your Bank’s Credit LifeCycle, please call us at (919) 846-1601. OPTIMIZE Your Bank’s Performance with CRM’s Credit LifeCycle