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Commercial Real Estate Loan Policy

$375.00

The purpose of this Commercial Real Estate (CRE) Loan Policy Template is to address commercial real estate loan products, underwriting, and related lending operations of a bank, credit union, or other type of financial institution. In general, the primary purpose of an organization’s commercial real estate lending operations is to generate income while serving the credit needs of all creditworthy businesses within its geographic area by maintaining an effective loan policy and underwriting standards, in conjunction with sound loan administration by its officers and lending personnel, in order to achieve a healthy loan portfolio.

Description

Commercial Real Estate Loan Policy

The purpose of this Commercial Real Estate Loan Policy Template is to address commercial real estate loan products, underwriting, and related lending operations of a bank, credit union, or other type of financial institution. In general, the primary purpose of an organization’s commercial real estate lending operations is to generate income while serving the credit needs of all creditworthy businesses within its geographic area by maintaining an effective loan policy and underwriting standards, in conjunction with sound loan administration by its officers and lending personnel, in order to achieve a healthy loan portfolio.

Table of Contents

  • Purpose and Contents – Topic 1
  • Policy Statement – Topic 2
  • Definitions – Topic 3
  • Risks Management – Topic 4
  • Responsibility – Topic 5
  • Loan Portfolio Management, Diversification and Concentrations – Topic 6
  • Market Conditions and Analysis – Topic 7
  • General Credit Underwriting Guidelines – Topic 8
  • Acquisition, Development and Construction (ADC) Lending – Topic 9
  • Income Producing Real Estate Lending – Topic 10
  • Owner Occupied Lending – Topic 11
  • Letters of Credit, Assurance or Cash in Lieu Bonds – Topic 12
  • Title Insurance Procedures – Topic 13
  • Commercial Real Estate Loan Workout Program – Topic 14
  • Appraisal Policy Reference – Topic 15
  • Environmental Risk Policy Reference – Topic 16
  • Audit Policy – Topic 17
  • Staff Training – Topic 18
  • Retention of Documentation – Topic 19

Recent updates to this product:
08/01/18 Update
Joint Release – Agencies Issue Statement Regarding the Impact of the Economic Growth, Regulatory Relief, and Consumer Protection Act
02/05/18 Update
FDIC – Supervisory Insights Journal – Winter 2017

This Commercial Real Estate Loan Policy Template (approximately 110 pages) is available to purchase from BankPolicies.com in Microsoft® Word format for $375.00.

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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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