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Loan Grading and Review Policy

$175.00

The purpose of this Loan Grading and Review Policy Template is to address the requirements of a bank, credit union, or other type of 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.

Description

Loan Grading and Review Policy

The purpose of this Loan Grading and Review Policy Template is to address the requirements of a bank, credit union, or other type of 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.

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
  • Automated Credit Scoring – Topic 5
    • General
    • Credit Scoring Guidelines and Methodology
    • Exceptions to Underwriting Decisions and Override Authority
    • Model Documentation
    • Model Management and Tracking
    • Program Reporting
  • Loan Officer Responsibilities – Topic 6
    • General
    • Supporting Information
    • Guarantees and Third Party Support
    • Collateral
    • Terms and Documentation
    • Other Considerations
    • Credit File Availability
  • Loan Review System – Topic 7
    • 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

Recent updates to this product:
01/02/18 Update
Inclusion of Automated Credit Scoring Guidance

This Loan Grading and Review Policy Template (approximately 32 pages) is available to purchase from BankPolicies.com in Microsoft® Word format for $175.00.

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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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