This timely article by OptimaFI’s credit risk expert, David Ruffin, explains how today’s regulatory environment is changing the way banks are examined—and why disciplined credit risk management matters more than ever. He outlines the potential impact of fewer and lighter exams, cautions against letting reduced scrutiny lead to weaker lending practices, and highlights practical steps boards and management teams can take to sustain strong credit quality, from honest portfolio assessment to leveraging trusted third-party support.
Read the full article at Bank Director.
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