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Supervisory Insights

Winter 2017 Vol. 14, Issue 2 - Table of Contents

Last Updated: March 30, 2023

Supervisory Insights - Winter 2017 - PDF

Letter from the Director


Credit Management Information Systems: A Forward-Looking Approach

Forward-looking credit Management Information Systems (MIS) provide a powerful tool in the risk management and strategic decision-making process. Whereas performance metrics primarily convey what has occurred in the portfolio, forward-looking metrics assist in identifying underlying risks that could potentially affect future performance. The FDIC conducted a horizontal review of credit MIS programs that identified strong and weak practices. 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

Since 2009, FDIC examiners have completed the Credit and Consumer Products/Services Survey (Credit Survey) at the conclusion of each risk management examination to gather examiner insights on underwriting practices, new and evolving banking activities and products, commercial real estate market conditions, and funding practices. This article 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.

Regular Features

Regulatory and Supervisory Roundup

This feature provides an overview of recently released regulations and other items of interest.

Supervisory Insights

Supervisory Insights is published by the Division of Supervision and Consumer Protection of the Federal Deposit Insurance Corporation to promote sound principles and best practices for bank supervision.

Martin J. Gruenberg
Chairman, FDIC

Doreen R. Eberley
Director, Division of Risk Management Supervision

Journal Executive Board

Division of Risk Management Supervision
George E. French, Deputy Director and Executive Editor
James C. Watkins, Senior Deputy Director
Martin D. Henning, Deputy Director
Maureen E. Sweeney, Deputy Director

Division of Depositor and Consumer Protection
Sylvia H. Plunkett, Senior Deputy Director
Jonathan N. Miller, Deputy Director

Regional Directors
John P. Conneely. Chicago Region
Michael J. Dean. Atlanta Region
Kristie K. Elmquist, Dallas Region
James D. LaPierre, Kansas City Region
Kathy L. Moe, San Francisco Region
John F. Vogel, New York Region

Journal Staff

Kim E. Lowry
Managing Editor

Amanda M. Lee
Financial Writer

Michael T. Register
Financial Writer

Supervisory Insights is available online by visiting the FDIC’s website at To provide comments or suggestions for future articles, to request permission to reprint individual articles, or to request print copies, send an e-mail to

The views expressed in Supervisory Insights are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. In particular, articles should not be construed as definitive regulatory or supervisory guidance. Some of the information used in the preparation of this publication was obtained from publicly available sources that are considered reliable. However, the use of this information does not constitute an endorsement of its accuracy by the Federal Deposit Insurance Corporation.