Risk Management
Freshman Class

Good risk management is the essence of banking – it’s what bankers do! If a bank takes too little, it can’t make enough money to keep its doors open. A bank that takes too much risk will suffer loan defaults and regulatory action, and once again, will have difficulty keeping its doors open.

Risk comes at bankers from every direction – from external forces like economic conditions and interest rates, and from competition which can prey upon customers and staff alike. Internal risks include systems, processes and outside service providers, plus personnel and factors that can create reputational risk. But every risk when managed correctly also provides opportunity. In this course, students will explore the different kinds of risk and how they interact with one another. Participants will leave with a good understanding of best practices for enterprise risk management within institutions and how the process can be used to build your institution in your community.

Elizabeth VanArsdel

Beth VanArsdelBeth VanArsdel has more than 25 years of experience in finance and over 15 in banking. Her experience working with a leading bankers’ bank (Pacific Coast Bankers’ Bank) and as a community banker (The Bank of Santa Fe and Century Bank in Santa Fe, NM) has helped her obtain a broad background in addressing the challenges facing community banks. She is Senior Vice-President and Senior Wealth Advisor in the Wealth Advisory Services for New Mexico Bank & Trust.

She is also an experienced public speaker, having taught tactical workshops for bank managers nationwide. She has facilitated strategic planning sessions for banks and has presented to numerous professional associations and conferences. Economics, Fed policy and interest rates are frequent subjects, as well as growth and risk management strategies.

Beth was an honors graduate from the Cannon Trust School and holds her CTFA, a trust administration designation. She has her FINRA Series 7, 63 and 65 licenses, received a Bachelor of Music from the University of Texas and a Master of Music from the Manhattan School of Music in New York City.