At TRB, a consistent approach to credit is fundamental to how we manage risk, structure relationships, and support long-term growth.
The 10 Guiding Principles of Commercial Lending establish a shared framework across the bank, defining the core concepts, standards, and practices that guide credit decisions.
Together, these principles bring both policy and strategy into focus, supporting a disciplined approach that drives consistency across markets and teams.
10 Guiding Principles Video Series
To reinforce alignment across the organization, these principles are supported through a series of short internal videos featuring leaders from Credit Administration and Loan Production. Each video focuses on a single principle, offering practical context and perspective grounded in how credit is evaluated and managed at TRB.
(Note: Additional videos will be added here as they are released.)
1. Loan Policy – The Backstop of Every Credit Decision
Featuring Gaby Garza, Chief Credit Officer
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Ongoing Credit Education
The Guiding Principles video series builds on the foundation established through the CreditStar Learning Playlist, recently introduced in TRB Learning as a curated library of core credit coursework.
While CreditStar focuses on foundational concepts, the Guiding Principles series extends that foundation—bringing those concepts into practice and reinforcing how credit is applied within TRB. Additional training components will continue to expand this structure over time, supporting a consistent and scalable approach to credit development across the bank.
Note: Managers are encouraged to share these videos with their teams as part of ongoing development conversations.
