Accolade, in partnership with MSCUA and the Tennessee Credit Union League, is hosting its second complimentary educational session for credit unions of all sizes.
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9:00 am - 3:00 pm CT
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1400 Lakeover Road, Suite 200
Jackson, MS 39213
Risk appetite is one of the most talked-about and least well-defined concepts in financial institution governance. Too often, it lives as a paragraph in a policy no one revisits. This session changes that. We'll walk through how leading credit unions set credit and investment risk appetites that drive decisions.
You'll learn how to:
Translate strategic goals into concrete credit and investment limits
Distinguish risk appetite from risk tolerance from risk capacity
Build a risk appetite statement
Use appetite as a forward-looking tool.
Whether you're formalizing appetite for the first time or sharpening a statement that's gone stale, you'll leave with a framework you can put to work immediately.
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For the past 15 years, Ancin has served as the principal and owner of Synergy Bank and Credit Union Consulting, a boutique firm that partners with banks and credit unions nationwide. His firm specializes in strategic planning, enterprise risk management, credit and lending operations, board governance, and regulatory readiness. Ancin’s work bridges the gap between strategy and execution, helping financial institutions not just develop plans but implement them in a way that drives results.
The balance sheet serves a singular purpose: to generate stable earnings to drive your mission forward. Every decision you make should be framed within your mission. Look beyond loan volume and market share to understand if your practices are sustainable and serving your mission impact.
Learn to use your unique cost to lend to drive pricing decisions.
Understand how a benchmarking framework can guide decision making.
See how credit risk modeling can support pricing strategy.
Since joining Accolade in 2017, Phil has worked with credit unions across fixed-income investment advisory, ALM and liquidity management, credit union policy, and profitability analysis. Phil also provides training and market commentary to credit union boards and executive teams, including the regular production of credit union strategy thought leadership.
Rate expectations have changed, has your strategy? Examine how the new base case impacts key ALM metrics and the three levers you can use to manage NEV:
Credit Quality in the Loan Portfolio: Understand what credit spread is and how it impacts your NEV
Investment Yields: See the yield curve trends and understand how current yield trends can influence NEV
Deposit Portfolio Management: Loan and deposit rates are shifting with market changes, allowing for strategic rate adjustments
As CEO, JD sustains a clear vision for the organization and establishes the business strategy to support Accolade's mission of helping credit unions. JD has been a vital part of Accolade and Corporate One since March 2019, when he joined us as Vice President of Strategic Advisory Solutions. In this role, he significantly contributed to Accolade clients in helping them formulate and execute effective balance sheet strategies.
Before making decisions for your credit union and your members, it is essential to understand the economic forces shaping the environment in which you operate—and how those forces are likely to affect your institution’s risk profile, earnings, and capital over the next several quarters. Strategic choices around lending, funding, investments, and liquidity cannot be made in isolation from the broader economy.
In this session, Peter provides an in-depth look at the most recent economic data through the lens of credit union financial managers. He connects key indicators—such as interest rate trends, inflation, employment, consumer behavior, and market liquidity—to the practical challenges you face in asset-liability management:
- Your balance sheet structure and interest rate risk
- Loan growth, margins, and credit performance
- Deposit stability, funding costs, and member behavior
- Investment portfolio positioning, duration, and liquidity
Peter is responsible for the day-to-day management of the Accolade’s client investment portfolios and economic research. Gibson has over 20 years of financial services experience including four years at Southeast Corporate Federal Credit Union as a Portfolio Manager. He came to Southeast Corporate from Constitution State Corporate Credit Union, where he was responsible for the management of their overnight and commercial paper portfolios.
