Objectives On completion of this tutorial, you will be able to:

• Recognize how a bank's credit culture - strong or weak - drives staff behavior
• Identify the key issues surrounding the creation and maintenance of a strong credit culture

Tutorial Overview This tutorial describes in detail how a bank's credit culture drives behavior. It looks at both appropriate and inappropriate staff behaviors as well as a number of common risk culture failures. Some examples of high-profile events where weak risk cultures were a root cause are discussed. Finally, the tutorial also outlines many of the difficulties and challenges in creating and sustaining a strong credit culture. Prerequisite Knowledge Credit Risk Management - An Introduction Tutorial Level: Intermediate Tutorial Duration: 60 minutes