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Concentrations of Credit Policy

$100.00

The purpose of this Concentrations of Credit Policy Template is to address how a bank, credit union, or other type of financial institution prudently measures, monitors, and controls concentrations of credit (loan concentrations) in order to help achieve effective loan portfolio management (LPM).  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.

Description

Concentrations of Credit Policy

The purpose of this Concentrations of Credit Policy Template is to address how a bank, credit union, or other type of financial institution prudently measures, monitors, and controls concentrations of credit (loan concentrations) in order to help achieve effective loan portfolio management (LPM). 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
  • Portfolio Diversification and Concentration Overview – Topic 3
  • Pools of Transactions – Topic 4
  • Identification of Concentrations – Topic 5
  • Correlation of Pools – Topic 6
  • Stress Testing – Topic 7
  • Concentration Risk Mitigation – Topic 8
  • Reporting and Monitoring – Topic 9
  • Audit Policy – Topic 10
  • Staff Training – Topic 11
  • Retention of Documentation – Topic 12

This Concentrations of Credit Policy Template (approximately 11 pages) is available to purchase from BankPolicies.com in Microsoft® Word format for $100.00.

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When updates are made you will receive detailed information regarding why the product was updated and what has changed within the product in our Product Update Notification e-mail correspondence. This enables you to make an informed decision on whether to make any changes to the policy or procedure you implemented for your financial institution from the revised template.

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