Introduction To the Loan Review Process
In today’s current economic environment, managing the Commercial and Consumer Loan Portfolio is paramount in order to maintain a safe and sound financial institution. The five regulatory agencies are becoming more demanding in their review of banks in light of recent bank failures and the increased number of banks currently on their “trouble bank” list. Managing the loan portfolio in the face of these factors requires a different approach than in normal times.
The program begins with a discussion of those Macro Economic, Industry, Business and Management factors that must be considered as part of loan portfolio management, then followed by examining the quality of credit file documentation, which includes an assessment of the Credit Memorandum and Loan Documentation; then, followed by a discussion on effective management tools required to navigate the bank through today’s challenges.
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