BAS September 2022 Presentations

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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Learning Objectives

1 – Importance of AQ / Impact on Other Components

2 – Asset and Loan Categories

3 – Asset Classification / Problem Assets

4 – Loan Underwriting and Administration

5 – Allowance for Loan and Lease Losses

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