For this phase of the course project, you will conduct additional research for the bank you chose as the subject of your project. Write the next section of your risk management plan in which you discuss individual versus commercial lending practices, risk measurement techniques, and benefits of transfer credit risk. This paper needs to be done on US Bank.
In this paper, please address the following questions:
- How would you describe the individual and commercial lending practices at the bank?
- How would you measure credit risk at the bank? Be sure to discuss techniques for measuring individual credit products and commercial credit products.
- How would the bank benefit from transfer of credit risk?
- What changes would you recommend in the bank’s lending practices?