BAS Presentations - March 2023

45 administration of the overall loan account, including establishment of sound lending and collection policies, are of vital importance. ” ‐ FDIC Risk Management Manual Evaluation of the loan portfolio involves much more than merely appraising individual loans. Prudent management and


The Loan Policy Should Clearly Outline how Loans are to be Underwritten and Monitored

Lending authorities (officers/committees/ Board)

Acceptable terms (e.g., LTV and amortization limits)

Allowable loan types/desired mix

Underwriting documentation and maintenance of credit files

Internal credit grading/loan review system

Collection procedures


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