Usually the easiest sell in when the bank gets a CAMELS 3 or comments on the ROE.
If you passed with flying colors, either
- the examiners missed (or did not check) a few things;
- you have an excellent, experienced and nitpicky staff; or .
- there are already some controls in place, and internal monitoring reflects no exceptions.
In many banks, there is someone in operations that makes sure the i's are dotted and t's crossed, whether they use checklists or some other means. Same for backroom on loans, before they're booked. With loans, a loan review officer usually reviews loans for the credit aspect.
Banks are all about risk. They may already be covered. QC does cost money, coming out of the shareholder's pockets. If the bank is already doing great, no losses or exceptions IMHO, why create another layer of protection? If things start to deteriorate, then the Risk Manager or Committee needs to analyze and recommend something.
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Integrity. With it, nothing else matters. Without it, nothing else matters.