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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.  See more information about this product below.

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
    • Depth of Transaction or Portfolio Reviews
    • 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
    • Communication and Distribution of Results
    • Internal Loan Review

Recent updates to this product:
06/01/20 Update
Joint Press Release – Federal Financial Regulatory Agencies Issue Interagency Policy Statement on Allowances for Credit Losses and Interagency Guidance on Credit Risk Review Systems
03/04/19 Update
Current Expected Credit Losses (CECL) Accounting Standard
01/02/18 Update
Automated Credit Scoring Guidelines

This Loan Grading and Review Policy Template (approximately 33 pages) is available to purchase from BankPolicies.com in Microsoft® Word format.

Want to ensure your purchase from BankPolicies.com remains current? Add a Product Update Protection Plan to your shopping cart to ensure that you will automatically receive an updated version every time it is revised via e-mail within one year from the last date of purchase. This timely and cost-effective solution ensures that you stay on top of federal regulatory changes and industry recommended best practices.

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.

BankPolicies.com provides your financial institution with the best bank policy template products available in the industry. You will always be up to date with the latest changes to bank policies and never have to worry about being out of compliance with the various laws, rules and regulations issued by the Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve, Office of the Comptroller of the Currency (OCC), or other federal regulatory bodies that may apply to your organization.

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