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Stress Testing Program Policy

$175.00

The purpose of this Stress Testing Program Policy Template is to address a financial institution’s approach to stress testing that is designed to fit its unique loan portfolio strategy, size, loan types, composition, operations, and management.  This process can range from a single spreadsheet analysis to a more sophisticated model, depending on portfolio risk and the complexity of the organization, thereby enabling management to ensure that potential adverse outcomes are appropriately considered.

Description

Stress Testing Policy

The purpose of this Stress Testing Policy Template is to address a financial institution’s approach to stress testing that is designed to fit its unique loan portfolio strategy, size, loan types, composition, operations, and management. This process can range from a single spreadsheet analysis to a more sophisticated model, depending on portfolio risk and the complexity of the organization, thereby enabling management to ensure that potential adverse outcomes are appropriately considered.

Table of Contents

  • Purpose and Contents – Topic 1
  • Policy Statement – Topic 2
  • Stress Testing Program Overview – Topic 3
  • Responsibility – Topic 4
  • Key Principles – Topic 5
  • Approaches and Applications – Topic 6
  • Assessing the Adequacy of Capital and Liquidity – Topic 7
  • Stress Testing Credit Risk – Topic 8
  • Annual Stress Test – Topic 9
  • Audit Policy – Topic 10
  • Retention of Documentation – Topic 11

Recent updates to this product:
08/01/18 Update
Joint Release – Agencies Issue Statement Regarding the Impact of the Economic Growth, Regulatory Relief, and Consumer Protection Act
05/01/18 Update
FDIC Final Rule – Rescind Certain Capital Regulations
03/05/18 Update
Final Rule – Testing and Conforming Changes to Stress Testing – OCC Bulletin 2018-4

This Stress Testing Policy Template (approximately 31 pages) is available to purchase from BankPolicies.com in Microsoft® Word format for $175.00.

NOTE: The complete contents of this product are also included in the Corporate Governance Policy Template.

Want to ensure your purchase from BankPolicies.com remains current? Add a Product Update Protection Plan to your shopping cart to ensure that you will automatically receive an updated version every time it is revised via e-mail within one year from the last date of purchase. This timely and cost-effective solution ensures that you stay on top of federal regulatory changes and industry recommended best practices.

When updates are made you will receive detailed information regarding why the product was updated and what has changed within the product in our Product Update Notification e-mail correspondence. This enables you to make an informed decision on whether to make any changes to the policy or procedure you implemented for your financial institution from the revised template.

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