Credit Evaluation School Dec 2022

Internal Use Only

Loan Writeups Rules for including a loan writeup in an examination report vary among regulators, states and agencies: • Management disagrees with examiner • Dollar amount represents a significant percentage of assets or capital • EIC discretion • Others (concentrations, economic impact - COVID)

3

Internal Use Only

Loan Writeups The writeup format should cover the 6 Ps: • Person

• Purpose • Payment • Protection • Problem • Prospects

4

Pge 2