As commercial banks step up efforts to mitigate risk, they worry about RMs that might ignore the rules and guidelines. Is their concern valid or should they focus risk-reduction efforts elsewhere?

What's it like for commercial RMs in the midst of their first financial crisis? And how should banks handle difficult workout conversations with clients? 

Many banks are trying to reduce risk by only allowing senior execs to make all key commercial lending decisions. Is that approach actually having the opposite effect? 

Mergers and acquisitions - once an attractive tactic for banks - have become more problematic during the COVID crisis. Why are some banks pulling the plug on planned mergers, and how are banks that made recent acquisitions handling the new lanscape?