Concentrations of Credit Policy
This Concentrations of Credit Policy addresses how a bank, credit union, fintech company, or other type of financial institution prudently identifies, measures, monitors, and controls credit activities through concentrations of credit (loan concentrations) in order to help achieve effective loan portfolio management. This process helps an organization to understand not only the risk posed by each credit, but also how the risks of individual loans and portfolios are interrelated.
Table of Contents
- Purpose and Contents – Topic 1
- Policy Statement – Topic 2
- Risks Associated with Concentrations of Credit – Topic 3
- Portfolio Diversification and Concentration Overview – Topic 4
- Identification of Concentrations – Topic 5
- Correlation of Pools – Topic 6
- Monitoring and Controlling Concentration Risk – Topic 7
- Stress Testing – Topic 8
- Management Information Systems and Monitoring – Topic 9
- Audit Policy – Topic 10
- Staff Training – Topic 11
- Retention of Documentation – Topic 12
Recent updates to this product:
10/15/26 Update
OCC Bulletin 2026-49 0 Concentrations of Credit: Revised Comptroller’s Handbook Booklet and Rescissions
This Concentrations of Credit Policy (approximately 24 pages) is available to purchase from BankPolicies.com in Microsoft® Word format.
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