EMM Presentations - March 2023

Internal Use Only

Delivering Difficult Messages

Who might you need to communicate with during the examination process?

Bank employees

Loan Officers

Mid-level Managers Executives

Examiners from Other Agencies

Other Examiners

Supervisory Examiners

Directors

Chief Examiners / Deputy Level

Case Managers

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Internal Use Only

Delivering Difficult Messages

What messages may be difficult to deliver during the examination process?

Findings

Loan Downgrade Downgraded Ratings Supervisory Action

Need to extend onsite exam

Not Ready for an Exit Meeting

Need more time to write the report

Feedback to other examiners

Difference in approach between agencies

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