Daily News: January 11, 2018

FDIC Issues Underwriting Trends Survey


The Federal Deposit Insurance Corporation (FDIC) issued the winter 2017 issue of Supervisory Insights, which includes articles on credit Management Information Systems (MIS) and recent results from the FDIC’s Credit and Consumer Products/Services Survey.

“A key component of a bank’s risk management program is a strong credit MIS, which uses loan data to develop timely and meaningful reporting for a bank’s board and senior management,” said Doreen R. Eberley, director of the FDIC’s Division of Risk Management Supervision. “This article illustrates how banks can strengthen credit MIS by incorporating forward-looking risk indicators and establishing a sound governance framework.”

“Underwriting Trends and Other Highlights” from the FDIC’s Credit and Consumer Products/Services Survey shares recent credit survey results with a focus on lending activity — including trends in underwriting, loan growth and funding. The results suggest that credit risk and liquidity risk are increasing, as reflected in a higher frequency of surveys that report risks associated with loan growth, out-of-territory lending and credit and funding concentrations.

Supervisory Insights includes a “Regulatory and Supervisory Roundup” section, which provides an overview of recently released regulations and supervisory guidance.

Supervisory Insights provides a forum for discussing how bank regulation and policy are put into practice in the field, promoting sound principles and practices for bank supervision, and communicating about the emerging issues that bank supervisors face.