Loan Grading and Review Policy - $175.00

Table of Contents

Purpose and Contents - Topic 1
Policy Statement - Topic 2
Loan Grading Policy Statement
Loan Review Policy Statement
Enforcement
Exceptions to Policy
Credit Administration and Committee Responsibilities - Topic 3
Credit Administration
Directors' Loan Committee
Special Assets Committee
Loan Grading System - Topic 4
General
Loan Risk Grade Categories
Upgrade Procedures
Downgrade Procedures
Split Grade Procedures
Loan Officer Responsibilities - Topic 5
General
Supporting Information
Guarantees and Third Party Support
Collateral
Terms and Documentation
Other Considerations
Credit File Availability
Loan Review System - Topic 6
General
Objective
Secondary Review and Credit Denial
Quality Control and Assurance
Loan Review Scope
Other Factors and Conditions
Qualifications of Loan Review Personnel Standards
Independence of Loan Review Standards
Frequency of Review Standards
Review of Findings and Follow Up Standards
Internal Loan Review
Credit Review Examination Report Requirements
Audit

The purpose of this policy is to address the requirements of a financial institution to assign appropriate loan grades to effectively rate the overall strength of its loan portfolio, and to implement a timely, independent and accurate evaluation and formal loan review process of all loans.  This policy template (approximately 23 pages) is available to purchase from BankPolicies.com in Microsoft® Word format for $175.00.

 

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