Any banker, regardless of their position within the institution, can tell you that the industry is fraught with challenges and potential risks. At GSBLSU, a core area of focus is preparing every student to understand these risks and how they impact not only their own position, but their bank as a whole. Furthermore, students should understand the most appropriate steps to take when encountered with such situations. This is precisely the goal of our “Credit Risk Management” class, instructed by Professor Gary Higgins. Professor Higgins covers many topics throughout the course, including emerging trends, core functions of a risk rating system, and precise steps that can be taken when transaction risk is just too high.